davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (NJ)

I paid XXXX XXXX and they are showing on my credit report as I still owe them I paid them on XX/XX/XXXX they reported on my report as I still owe them and its a charge off. I sent in documents through XXXX  to fix the situation and the still are reporting a balance. They where to take this off my credit report and did not do it.
Consumer complaint received 2022-12-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (FL)

I had a banking issue with XXXX XXXX Which i had mitigated on the XXXX of XXXX. Which in turn have funds return on the XXXX of XXXX, due to a misunderstanding with a dispute dating back 3 months which they in turn disputed a all transaction with in that time frame. Due to this mishap my vehicle was repossessed by GM FINANCIAL. Ive sent in proof of payments via bank transactions and proof they I myself approved said transactions. They claimed they never recieved payments when i recieved emails from other merchants as well stating they recieved payments
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (UT)

Please see attachments. The information being reported by all of these bureaus is inaccurate and needs to be corrected. They claim to have contacted you and that you verified this as accurate. I know it's not accurate and you should too. I am hereby demanding this be immediately corrected by you. If it is not I will not hesitate to include you in the law suit against all 3 bureaus! I will also go public with the law suit! Anyone else having issues with you too will be able to take legal action too. The bureaus are notorious for constantly creating these types of errors then refusing to correct them. I'm sick of it and am not afraid to sue all of you for violating the Fair Credit Reporting Act laws! The bureaus do it all the time. YOU should not be doing this!!!
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (OH)

XX/XX/XXXX I sent a dispute to XXXX in regards to identity theft. I have not lived in XXXX since XXXX. Someone has gotten my personal information and opened a utility account in my name. XXXX said they would send out a fraud affidavit on 6 different occasions and I have yet to receive one. The amount total is {$2000.00}
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Larry H. Miller Group of Companies (MO)

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).
Consumer complaint received 2020-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TN)

I contacted PayPal to inform them on XXXX XXXX, 2019, that a credit card was on my Paypal account that was not mine. I also informed PayPal there was a balance of {$1900.00} that is not my money and this is not my credit card. The representative said they would handle this. Then I receive an email from PayPal stating I owe a balance of {$970.00}. I do not know why this was happening to me when I reported this credit card on my PayPal account. I then contacted my monitoring service to see what to do. I was told to file a police report which I did and get all the documents together to prove my case. I also contacted the bank that PayPal uses to see if they could give me more information on this account that was now tied to my Paypal account. I called XXXX XXXX XXXX XXXX  and was told this bank is set up through XXXX which is like a XXXX XXXX account and there were other charges that were made on this account. The charges started on XXXX XXXX, 2019, for the amount of XXXX cents and XXXX cents. These charges were never shared with me through PayPal. I also had my monitoring service file a dispute and a dispute package was sent with my documents proving I did not add this account to my Paypal or open this account. My monitoring service has not been able to speak with PayPal even though the power of attorney was submitted by certified mail and also by fax.
Consumer complaint received 2020-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Reliant Financial Corporation (AR)

Almost every payment I made to this company was for more than the amount due. I thought that was a good way to pay it off sooner. I found that not only was it not being applied to the principal, it was miscalculating the interest as well. In addition, they frequently would charge me a fee for not having insurance. I have always had insurance. The insurance company would send them proof of insurance, as would I and they always said they didn't receive it until about the 5th time sending it. After that they would reverse the charge for the fee for not having insurance. Except once .... they charged me {$1200.00} for not having insurance, which I had, and didn't reverse it. 

They then proceeded to sell my loan to another company for the wrong amount. Now I am down to 2 last payments. I have paid more than owed for 4 years. My payment amount is {$310.00}. The current loan company says I still owe {$1900.00} after my last 2 payments. How is this possible when I never missed a payment and I paid extra every time? I went through the statement and their calculations are an absolute mess. Now I have had an accident moving cross country and the car has been totaled. The insurance company has to pay off the loan before paying me and there is a {$1900.00} error and their accounting is so screwed up that i can not even calculate their figures except to see the that the extra I paid every month did NOTHING to help me at all. Statement attached.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

About a week ago I saw my credit score had reduced. Transunion shows this hard inquiry fromXXXX XXXX who service some types of XXXX credit cards : Name : XXXX Requested on : XX/XX/2023 Location : XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type : Individual I haven't requested credit cards in years, and have not made any new requests. I didn't make this one. I called XXXXXXXX XXXX who confirmed that they have NO data at all for my name, phone number, or SSN, and have nothing that can confirm I ever made a request. They declined to provide any written confirmation of this fact. 

I then called Transunion, who claims that is impossible, and that if the hard inquiry exists, it was from XXXXXXXX XXXX systems. The rep straight-up said XXXXXXXX XXXX  is lying about this. This alone puts it well out of anything I could deal with myself. 

I even got an email, supposedly from XXXX, about the " status '' of my " request ''. It was this that made me call them, and they said no such request exists. Yet there is the hard inquiry, which XXXX says absolutely did come from them. Here 's the main part of that email : -- -- -- -- -- -- -- -- -- -- -- -- -- Your XXXX XXXX online credit request. 


Hi XXXX, Thank you for your recent XXXX XXXX credit request. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX None of this could be verified in my call to XXXXXXXX XXXX They insisted there is absolutely nothing in systems about this.Again, XXXX says that if there's a hard inquire from them, then they DID make it, and they should have records.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was surprised when reviewing my credit report and found a late reported a 30 day late in XX/XX/2019. 
I am not sure how this is reporting, since according to REG Z I should have gotten a notice from Bank of America letting me know that my account is late. I did not get any notice.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I was sent a letter from XXXX XXXX XXXX advising that my account was paid off due to my auto insurance company XXXX paying the balance of XXXX in full and I owed XXXX. This account is still reporting to my credit report in error and violating the fair credit reporting act The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX email : XXXX You are in Direct Violation Of The Fair Credit Reporting Act ( Westlake Financial SVCS, # XXXX ) has violated several of my rights.

15 U.S.C section 602 ( a ) Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The following dates indicate late credit card payments on my credit report : - XX/XX/XXXX ( Preparing for XXXX to XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Military Training ) At the time of these late payments in XX/XX/XXXX, I was in the process of deploying/deployed to XXXX in support of XXXX XXXX XXXX. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. In XX/XX/XXXX, I was in the process of a Permanent Change of Station due to ongoing military obligations. In XX/XX/XXXX, I was attending military training with little to no internet or telephone access. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my Duty Orders with this letter for reference.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My credit rating was at XXXX for years. 
On XXXX I traveled from XXXX  to XXXX  to look fpr a new home. Suddenly, my credit rating dropped to XXXX. I was ineligible to buy many co-ops and condos due to my credit rating being under XXXX. 
I looked at my credit report and XXXX charges from years ago appeared on there. In addition. XXXX claimed I paid only XXXX of my accounts on time. 
I have been devastated by this inaccurate reporting.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Over a span of two months. We were slandered, discriminated and verbally assaulted about a {$200000.00} loan we received. The money was frozen which in turned caused us to become in debt with bills and finances. We were not allowed to access our money until one person said so. We would not take our calls nor speak with us. Credit cards and car payments went unpaid and my credit score and my fathers dropped drastically. We have never been provided with any form of apologies or reasons behind the freeze. We are seeking financial assistance in the settlement as well. Do to the neglect that was displayed by staff members that we trusted with our savings.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (LA)

Im trying to get these inquires removed off my credit because I didnt have no knowledge nor did I authorize these. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Ive notice 6 inquiries on my consumer report which are these companies and the dates. XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, I want to bring to your attention that, according to the FCRA, entities requesting my credit report must certify a legitimate business reason or permissible purpose. I am requesting verification of this certification from the entity that requested my report in connection with the disputed information. If Experian or the entity can not provide evidence of this certification, it raises concerns about the legitimacy of the permissible purpose and potential violations of my privacy rights. As a consumer it is the grave responsibility of the consumer reporting agency to respect my right of privacy and furnishing my consumer report to an entity that did not provide any certification or documentation demonstrating a legitimate permissible purpose then Experian has furnished my consumer report to an unauthorized user under the FCRA it is the consumer reporting agency duty to follow reasonable procedures to assure maximum possible accuracy. If neither creditor or credit reporting agency provide any documentary evidence please delete all inquiries IMMEDIATELY.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I tried to get a home loan XX/XX/2022. I was told by my mortgage lender that I had a defaulted loan with XXXX XXXX that was having a very big negative impact to my credit score causing me to get denied. 



After months of going back and forth with XXXX XXXX, I was able to get them to send me a copy of the application which clearly shows me that this is not my account as none of the data including my name, phone, email address or physical address is valid for me. I assume the SS and DOB arent either, but I wasnt provided this information. 



I have 2 possible theories.. 



1- I am a victim of fraud. This doesnt seem likely as none of the data matches my true data. See highlighted data below. 

2- XXXX XXXX and Experian are incorrectly matching this charged off account to my credit bureau report, in error. Please note : XXXX is not.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After receiving verified account accuracy from the credit bureaus on a reported bankruptcy. 

I the contacted the United States District Court XXXX Division who confirmed that they do not furnish information to credit bureaus. 

How can this information be 100 % accurate if it was not received from the actual alleged furnisher? it was received by a third party? 

On XX/XX/2021 I mailed an affidavit of truth to XXXX XXXX stating but not limited to XXXX XXXX is illegally furnishing information on and to my consumer report that I did not consent to nor authorize and violating my rights to privacy. The way such information is obtained is unethical and against the law.

15 US Code 1681a ( 4 ) Congressional Findings and Statements of purpose ( a ) accuracy and fairness of a consumer report. ( 4 ) There is a need to insure that a consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy.

15 US Code 1681b ( 2 ) Permissible Purpose of a consumer reports : Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 US Code 1681a ( e ) The term INVESTIGATIVE obtained through personal interviews with neighbors, friends, or associates of the consumer Transunion never Conducted a proper investigation. No documents of verification methods were provided.

And an unrebutted Affidavit from XXXX XXXX serves as Truth.

I am a federally protected consumer and natural person. Under the FCRA 100 % Accuracy and Verifiable is what Congress permits and the 14th Amendment protects my privacy.