davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello Since XX/XX/XXXX, I have been trying to re-finance my home in order to shorten my mortgage at a lower rate and remove PMI from the monthly mortgage payment. I contacted 5 mortgage companies, including my current lender. 

Upon running my credit report, multiple lenders told me of a " Repossession '' and a " Repossession/redeemed '' remark on my credit report that i was unaware of. 

The source of the " repossession '' remark is XXXX XXXX. I am a co-signer on an auto loan with my daughter through XXXX XXXX. In XX/XX/XXXX, my daughter lost her job and ran in arrears on payments for the auto loan, which she had been making prior to that point. She did not tell me until XX/XX/XXXX that she lost her job and had been 1-2 months delinquent for several months. Once i became aware of the delinquency, I immediately contacted the lender, XXXX XXXX, and worked with them to bring the account current. 

As mentioned above, the auto was never repossessed. I have no record of any notice from XXXX  threatening repossession, or any other notice with the word " repossess '' in it. Except for an engine repair, the auto has never left my possession or my daughter 's possession at any time. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX ( XXXX ) to request that XXXX XXXX provide me with a correction of the errant repossession remark on all 3 credit reports. He gave me a Reference Number for my request. XXXX told me that they had 45 days to correct the bad information. I accepted that at face value, believing that period was calendar days. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX. XXXX said that 45 days were " business days '' and not calendar days. XXXX said he would " expedite the request '' and that I would receiving something shortly. Again, I accepted that at face value. 

On XX/XX/XXXX, I called XXXX again and spoke with " XXXX '' at XXXX. I referenced the prior conversations with XXXX and XXXX, who once again promised escalation of the matter with a written result to be sent to me. Still, I accepted that at face value too. 

On XX/XX/XXXX, I spoke with XXXX and summarized my conversations with XXXX, XXXX and XXXX. XXXX said she would send me an email that would contain information I requested. 

On XX/XX/XXXX, I received an email from XXXX. The only contents of the email were contained in a grid showing the number of times payment was recorded as " 30 Days Late '', " 60 Days Late '' and so forth. There were payments recorded more than 60 days late. 

Throughout the period of time above, and immediately prior to the referenced calls, I have used my XXXX XXXX  account to monitor the content of the 2 credit bureaus listed. Each time, and even today my credit report continues to show a remark indicating repossession on the XXXX XXXX loan. Again, the vehicle was never repossessed, and to the best of my knowledge there was never a notice received that threatened repossession.
Consumer complaint received 2022-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

Ive sent two emails in Mohlea system with no response One was sent on XX/XX/XXXX and the other on XX/XX/XXXX. This group is quickly becoming worse than my last servicer. The XXXX on XX/XX/XXXX was asking about the XXXX process and when Id know about the waiver I submitted in XXXX. The reason I have the questions is Im concerned about what will happen if the application is not processed by the XXXX cut off date.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (FL)

I have already disputed this, and I recently sent a cfpb complaint and Experian wrongfully responded saying they do not have those inquiries on file. I am now demanding this be removed as it is the 3rd time I have brought this up to Experian. 

Experian is wrongfully reporting several inquiries on my credit report that I do not recognize nor authorized. I am writing to inform the CRAs to delete these erroneous inquiries. As they are violating my consumer rights governed by the fcra. I am writing to file a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by EXPERIAN. I believe that the CRA 's have failed to comply with several provisions of the FCRA in its handling of my credit report, including the following sections : Section 604 - This section requires CRAs to provide consumers with a copy of their credit report upon request. Section 609 - This section requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. Section 611 - This section requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 - This section requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. Section 617 - This section provides consumers with a private right of action to sue CRAs and other parties that violate the FCRA. Section 623 - This section requires users of credit reports to provide notice to consumers before taking adverse action based on information in a credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 623 sets out the responsibilities of credit reporting agencies ( CRAs ) and furnishers of credit information with respect to the accuracy and completeness of credit information. Some of the relevant subsections of Section 623 include : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. 623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs. 623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information. 623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. The inquiries that need to be deleted are : XXXX XXXX XXXX You applied for a credit card on XXXX 2022 XXXX XXXX XXXX You applied for credit on XXXX 2022 Experian Business Cred You applied for credit on XXXX 2022 XXXX XXXX XXXX XXXX You applied for credit on XX/XX/2022 Please remove these immediately, or I will take legal actions.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

credit card theft account was sold to debt collector who has sued me. My son was an authorized user on my Capital One account. It was my daughter in law, XXXX XXXX XXXX, who stole his credit card from his desk drawer and every single purchase was made by my daughter in law after she stole the credit card. The purchases were made in CA and I live in TX. I never made any of these purchases on this card. All I need to show this was her is the itemized statement from XXXX and XXXX of XXXX. I requested this but what they sent only showed the balance due and was from XX/XX/XXXX. I specifically requested the itemized statement/invoice for those months. They said they would send it to my attorney but she has still not received it. Please send anything related to my attorney : XXXXXXXX XXXX XXXX, Attn : XXXX XXXX, Phone : XXXX or XXXX, mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX.
Consumer complaint received 2022-09-03
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)

Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX  XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.
Consumer complaint received 2022-09-03
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. (AZ)

On XX/XX/2022, I submitted a dispute regarding the reported incorrect balance yet again to all three bureaus. I provided documents directly from the lender again and the agent reviewing my information at Experian did not attach my documents sent in for the dispute, yet closed it without verifying the information attached. I am sure that all the bureaus are doing the same. I called and spoke with another but helpful representative at Experian who saw my dispute and stated that " she '' did not attach my supporting documents and did a manual request and attached the files to be reviewed. I have been disputing this information for over 12 months with all 3 bureaus and never have the attached documents from the lender been considered due to the scripted automated replies.
Consumer complaint received 2022-09-03
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. (MD)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX   XXXX  was the original creditor the account was first delinquent in  XXXX  and they subsequently sold the account. However, after the account was sold they continued to report the sold charge off for the next 5 years. The last update was  XXXX   XXXX ,  XXXX . The account is listed as sold. They are not allowed to continue to report once they sell the account.
Consumer complaint received 2023-02-15
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. (AL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " XXXX, XXXX, and Equifax " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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. (NY)

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. 

Account name : XXXX XXXX Account # : XXXX, Account XXXX : XXXX - Account # XXXX 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't 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

On XXXX XXXX XX/XX/2021, I received 31 missed calls from the phone number XXXX ( XXXX ) XXXX within a span of two minutes. 

No voicemails left for me to listen to. 

I have not called the credit card company back ( comenity capital bank )
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/ SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Consumer complaint received 2023-05-29
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. (OH)

XXXX accordance with the Fair Credit Act XXXX XXXX XXXX Last reported XX/XX/XXXX {$440.00} Open balance XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$5900.00} 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 2022-09-03
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: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (CA)

I sent letters to XXXX, Experian and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back. 

I want the items I disputed in my letters to be removed off my credit ASAP. I am trying to buy a house soon and need the bureaus to respond. Please help me out.
Consumer complaint received 2022-09-02
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)

XXXX XXXX  acct XXXX this account shows as late 30 days then charge off in XX/XX/2016 and again charge off in XXXX XXXX once a company charges off a account they can not continue to state it is being charged off again. there is 3 negative portions to this account that is against me. please remove this account from my credit report or i will pursue legal action against this company for still damaging my credit.
Consumer complaint received 2021-01-27
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: JPMORGAN CHASE & CO. (TN)

The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me. And provide me with the documents with the original signatures.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

this card is closed due to the merchant going out of business, I still owe on the card and can no longer access my acct online to pay it. I have to try and call every month and try to get through their automated system. They also will not set me up on auto pay even though I have asked. No time frame on when we will be able to access our accts online again or when we will be able too set up auto pay.
Consumer complaint received 2023-05-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.