davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (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. 

XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (CA)

On my medical bills, I have california, XX/XX/XXXXcompensation I have had it for 26 years and they still don't bill it I even worked at one of the XXXX  for 16 years and they still don't bill it correctly. I have this years new award letter. I get every year.Due to Complex XXXX I have XXXX XXXX  and XX/XX/XXXXXX/XX/XXXXbut why do I have to have had credit because they don't do it right.a victim should be victimised by the bill for treatment on her credit. Just saying.so please remove it and after being told 26 years to bill it right can't u make a note on ur system instead of bringing my credit down cuz someone didn't bill it properly XXXX  I have XXXX debt on credit and most is medical and can email u a copy of award letter please remove it thank u and I apologise but I'm trying to buy a car and I shouldn't have to do your companies billing just so I can have a proper credit rating to buy a car. Please don't be offended I know how billing Is I understand but from this side I have to fix the billing on my medical before I can buy something for 26 years it gets old. I was abudted in XX/XX/1993so that's along time of fixing it Everytime I want to buy somethint. Thank you have a great day
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I requested my account be closed XXXX XX/XX/2023 i called bank of america because i noticed my job did not change my direct deposit information and the funds were sent to the bank of america account . bank of america told me that because i requested the account to be closed i can not access the funds because there is a credits only status. they will not remove the credits only status on the account and i was told no one can help me. they told me i would be without funds for the next 10 business days until the account actually closes. then after that i would have to wait another 10 business days in order to receive the check with the funds. The representative i spoke with did not tell me that my account would be on a credits only status for the next 10 business days once i requested the account closure. now i am unable to pay bills, be financially stable, or financially free for the next month. No one at bank of america will help me. i asked the rep for corporate details and i was not provided the information she told me go to a branch to get it. ive spoken with 4 representatives and no one can give me the name or the number to the person who had the authority to release my funds!
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, The Secretary of State of Texas does not allow credit bureau collections without a license. Collection agencies, including credit bureaus, are required to obtain a license and surety bond from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in order to operate in Texas. 

After searching for a verified license via the Texas Secretary of State website and the Texas office of consumer credit website at www.occc.texas.gov, I have found that the consumer credit Trans Union is NOT licensed in the state of Texas to operate. 

It has also come to my attention that XXXX XXXX also does not have licenses as well, which means that they are illegally submitting information to collect an alleged debt. 

I have submitted a complaint with the state of Texas Secretary of State, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the Consumer Finance Protection Bureau.

I am requesting that the following listed items be removed immediately. 

I appreciate you notifying me once they have been removed. 

I have never used this account, yet they are reporting to bureau. In XXXX, I received a notice that I have paid on time for three months? Then in XXXX, I receive a notice that I am 60 days past due? Clearly this illegally operating company is faulty and must be removed. ( See attached notice from XXXX ) How can one have three months on time in XXXX, and less than 30 days later have 60 days past due? ) Item to be deleted : XXXX XXXX
Consumer complaint received 2022-10-29
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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

Toyota Financial Service created fraud statement of more than XXXX on the outstanding balance I was expected to pay. 
Immediately I went to the brokerage and I asked for explanation before making any payments. 
The brokerage said this is not our duty, its Toyota Financial Service. 
Toyota financial have asked me some days by phone why I am not paying. I told them I noticed fraud statements and I am willing to pay only when you send the right statement. 
While disputing, after XXXX payments passed they allegedly towed the car, slummed my credit score and they transferred to several collection agencies. When the collection agencies failed to collect they transferred to IRS and the IRS asked me for explanation. But the amount of money they transferred to IRS was much less than what they used to put on the document. 
The IRS asked me the document I have and I faxed to them. Thus they failed to collect through IRS too.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with XXXX XXXX, is not reporting on my credit report. 
I would like for my mortgage to report to credit report.
Consumer complaint received 2021-01-06
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the numerous inaccuracies and incomplete information on my TransUnion credit report, which has resulted in significant adverse effects on my financial well-being. Despite my efforts to rectify these issues, the results of the investigation conducted by TransUnion remain unsatisfactory and fail to address the fundamental errors in my credit report. 
The erroneous information on my credit report has led to adverse outcomes, including denial of mortgage loan applications, credit line increases, and even employment opportunities. I demand immediate action to rectify these inaccuracies and ensure that my consumer rights are upheld. 
Specifically, I have identified several accounts with excessive inaccuracies and incomplete information, including but not limited to : XXXX XXXX XXXX : The account history provided by TransUnion is incomplete and inaccurate, failing to include accurate payment history since the account was opened. Several months of payment history are missing, which has distorted my credit profile. 

XXXX : Despite previous requests for complete and accurate information, my XXXX account is missing all relevant account details. TransUnion previously reported complete and accurate information, yet crucial account data is now absent, leading to inconsistencies in my credit report. 

XXXX XXXX ( XXXX XXXX ) : The XXXX XXXX account managed by XXXX XXXX exhibits over 60 unknown dates, and the account is erroneously categorized as a charge-off. However, there is no record of a charge-off on my credit report. Despite my efforts to dispute these inaccuracies, TransUnion has verified and reported them as accurate. 
These errors not only undermine my financial credibility but also violate my rights as a consumer to fair and accurate credit reporting. I urge the Consumer Financial Protection Bureau to intervene and compel TransUnion to promptly remove these erroneous accounts from my credit report. 
I appreciate your attention to this matter and request a thorough investigation into the inaccuracies outlined above. Please provide me with updates on the progress of your investigation and the actions taken to address these issues. 
Thank you for your assistance in resolving this matter promptly. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO. (VA)

Ford motor credit and XXXX continue to deny any wrong found in credit reporting. I have filed multiple disputes that the information being furnished by the credit bureaus is incomplete and inaccurate. Completely violating my consumer rights under 15 USC 1681eb and 15 USC 1681s-2b. FIX THIS NOW OR GET SUED.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (AZ)

Chime.com I received a few emails said congratulations on a new account being opened, even a debit card being sent to an address ( not mine ). I called the company to report that I didn't set this up, it was someone from XXXX, and wanted to get more of my information to confirm the account was indeed mine, this gave my more concerns and I told them I wouldn't share anymore information to just cancel the account because I never opened it. All they said is they would close the account associated with my email? Not sure if that worked.
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

On XX/XX/XXXX, the USPS stamped that Mohela received my revised PSLF form to per XXXX XXXX response to the prior complaint I lodged on this site. Today I called Mohela to check the status of my PSLF application. When I entered my SS number, the recording stated : " PSLF form last received on XX/XX/XXXX. '' this is unacceptable!!! Now I must wonder and worry about the status of my PSLF application, with no way to speak to ANYONE about the true status, with only an erroneous response from mangled XXXX!!! I need the TRUE status of my time limited, modified PSLF, which I originally submitted before the XX/XX/XXXX deadline! Also, due to president Biden 's new regulations imposed on student loan balances, I need to know the recalculation of my student loan balance, per the new rules, as I have been involuntarily retired due to age discrimination, and need to financially plan going forward for tax and retirement purposes!!!!
Consumer complaint received 2023-02-16
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. (FL)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING. I HAVE A POLICE REPORT MADE AND IS IN A PDF FORM. 


CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

I am writing to dispute several inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus maintain accurate and up-to-date information and allows consumers to dispute any inaccuracies. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize or recognize. These unauthorized inquiries negatively impact my credit score and financial well-being. According to Section 1681b of the FCRA, credit inquiries must have permissible purpose and consumer consent.

I request that you conduct a thorough investigation into these inquiries and provide evidence of permissible purpose and consumer consent for each. If you are unable to provide such evidence, I request that these inquiries be promptly removed from my credit report.

Furthermore, I remind you of your obligation under Section 1681i of the FCRA to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to comply with this requirement may result in legal action.

Enclosed with this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documentation I have regarding their unauthorized nature.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-16
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. (TX)

I have had a loan previously with this company XXXX. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use XXXX. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXX ) since XX/XX/XXXX. I have sent letters and made calls to XXXX. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.
Consumer complaint received 2020-06-10
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)

There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX XXXX ( Experian, XXXX, XXXX ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX/XXXX  - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX  XXXX - Opened XX/XX/XXXX Balance. XXXX
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (TX)

In XXXX  I opened a line of credit for XXXXXXXX XXXX XXXX. This line of credit was through Fortiva. This was not a credit card. It was purely for the equipment. Recently, I checked my credit report and I saw that the line of credit had been closed and a Fortiva Mastercard account had been opened ( with the balanced transferred ). This caused my credit score to drop nearly XXXX points ( I am trying to buy a house, so it looks like I took out a credit card and I did not ). I called the company and they explained that they sent out a notice and if the customer did not respond the account was automatically switched. They also sent out an email, however, this email was deactivated. I have not had any interactions with this company because my bill is on autopay. I did not receive a paper notice. My bills are electronic ( assuming because I do not receive mail from them ). 
I have not bothered with it since it is on autopay. 
I paid off the remaining balance and expressed that this was for the closed XXXX  account and not the Fortiva credit card that I did not apply for or want. After talking to a manager, it seemed that it was alright, ( although they were very pushy in wanting me to keep this account- sayings like, " are you sure, you can use it anywhere ''. Again it was not my desire to have another credit card as I am trying to get myself into a position to buy a house, which I should have been there, but this has caused a setback. I am now waiting another 30-60 days for my score to update so I can continue looking for a home. 
I got another call today and they said that they can not remove the credit card from my report, they can only close it. After research online, this is not a new thing with Fortiva. Just bad business.
Consumer complaint received 2022-12-12
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AL)

US Bank erroneously reported to the credit bureaus that the house I owned at XXXX XXXX XXXX in XXXX, GA, was foreclosed upon. This is patently false. The home was never in foreclosure. I sold the home to XXXX XXXX XXXX on XX/XX/year>. No foreclosure agents or attorneys were involved. US Bank can not produce a single court document backing up its assertion. When I spoke to representatives of US Bank last week, a person from their Loss Mitigation Department admitted that the entry was an erroneous one, and promised to correct it. But then I got an email from US Bank stating that their assertion of foreclosure was correct and that they will not correct their false assertion. My attorney in XXXX, XXXX XXXX, can back up everything I have said in this statement. US Bank has never dealt fairly with me and I almost sued them before for difficulties they presented in allowing me to come off their mortgage forbearance program and resume regular mortgage payments, with the deferred payments tacked onto the end of the mortgage. Internal communications within US Bank are atrocious and one hand never knows what the other is doing. I want my credit reports corrected NOW. If US Bank can produce a single court document that shows my property went into foreclosure, I will retract my complaint. I am attaching a document that affirms the sale of my property WITHOUT any foreclosure actions attached to it.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Southwest airlines credit card associated with Chase Bank to take advantage of {$200.00} credit toward my trip to Hawaii and my application got rejected. I have over 750 credit score as per the XXXX credit bureau this morning and over {$350000.00} annual income and I have been banking with Chase Bank for over 10 plus years and my credit utilization is 28 % as per XXXX  snapshot attached. 
I felt like Chase Bank doesnt take care of their customers at all.