davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (SC)

I closed my account XXXX XXXX with Self Financial INC. and was advised that I would receive my deposit within 10-14 days. I have not received my deposit and the statement indicates the account still open with an available balance and a $ XXXX amount listed for the security deposit which is incorrect as I secured this account from transferring funds from the Self XXXX XXXX account in XXXX. I want the account closed and reported as closed to the credit reporting agencies and my security deposit returned to me immediately. I have attached for reference : Previous Statement Current Statement Email Communications from Self
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments
Consumer complaint received 2020-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Financial Services (OH)

On XX/XX/2019 my XXXX  showed a hard inquiry to my credit file from the company stated above. I didn't request in writing, in person or over the phone to have my credit ran for any type of credit. Company stated above also sent personal loan information such as amount owed on my loan to my mother. They also called her multiple times a week and would give her information regarding the amount owed on my loan without my permission. I never gave this company my permission to run my credit on XX/XX/2019. I also never gave them permission to to disclose my account number, money owed or payment history with my mother written or verbally.
Consumer complaint received 2022-10-27
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: Kikoff Inc. (CA)

In accordance with the FCRA Account # XXXX  with Lender : KikOff Lending , LLC, 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 a 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 2022-10-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I have written to Nissan Motors on two occasions pointing out they are reporting a 90 late in the Payment Status when the account shows closed with a XXXX  balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX   balance.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-02-28
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. (MO)

On XX/XX/2019 XXXX XXXX sent an alleged claim of debt to 'CONSUMER '. As precribed within Consumer Protection Statute, a prompt Notice of dispute was sent to XXXX XXXX. This Notice was recieved by XXXX XXXX via USPS, on XX/XX/2019 ; subsequently XXXX XXXX   were in recipt of a series of NoticesDemanding proof of claim, Full Disclosure, Assurance of Due Performance, Holder in Due Course & Notice of Non Response ( all were provided to EXPERIAN ). 

II. On or about XX/XX/2019, EXPERIAN began reporting this fraudulent account without lawful verfification, and without having any physical evidence on file. For this reason, A Notice of dispute was sent to EXPERIAN, which they received on XX/XX/2019. Also, this account was being reported as an alleged Medical debt. For this reason, a 2nd Notice of dispute was sent on XX/XX/2019 and received by EXPERIAN on XX/XX/2019. 

In response, EXPERIAN provided REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$580.00}, & being past due as XX/XX/2019. For this, a Notice was sent to EXPERIAN, requesting the process of its investigation. EXPERIAN was in receipt of Notice on XX/XX/2019. 

Further, EXPERIAN supplied REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$600.00}, & being past due as XX/XX/2019. Lastly, EXPERIAN provided REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$600.00}, & being past due as XX/XX/2019. 

III. It appears EXPERIAN has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. By continuing to communicate incorrect and defamatory information, as received from this third party. 
XXXX XXXX behavior seems to fall under Section 1031 of the Dodd-Frank Act that bans Abusive, Unfair, and Deceptive acts or practices. And EXPERIANs willful acts clearly, violates FCRAs rules of accuracy, disclosure to consumer, procedure of dispute.

IV. I request the Commission provide equitable relief & remedy, pursuant to Title 12 & 15 U.S.C., in light of the above stated violations, in favor of CONSUMER.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There are XXXX different XXXX loans on my credit report. I did not have any business with any. The one XXXX XXXX educational has the largest amount I never heard of. I thought that part of my loan was removed. I find out that they increased the amount that they claimed I owe is not the amount that I owe. I believe it is a scam. The other one is XXXX who has been calling my voice message again. I do not owe anything with them. I thought all of the loan was removed years ago. This is what I asked for. They were there on my credit report causes my credit score to downward XXXX points. I think that this a scam to use against XXXX people, and lowering my credit scores is one way that has been used in the past, and hopefully not again.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

dear XXXX XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-14
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. (NC)

I've filed a dispute on several occasions with all three credit bureaus regarding my loan being paid in full over the last 2 months and my credit report still has not been corrected. XXXX is the loan servicer and it needs to be reported to all 3 credit bureaus immediately and this issued resolved as soon as possible.
Consumer complaint received 2021-09-24
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. (PA)

XXXX XXXX is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments
Consumer complaint received 2020-02-28
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: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

XXXX XXXX : XXXX, XXXX  XXXX : XXXX, 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 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 2022-09-13
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: EQUIFAX, INC. (TX)

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-27
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)

I have written Experian on XXXX occasions regarding some inquiries that I have found on my report, which have been causing damage to me as a consumer. After several attempts, they have not deleted them. Therefore, I am escalating this matter to you, the CFPB, with confidence that you will be able to properly assist. I am seeking to have the following inquiries deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX. These inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order per XXXX XXXX XXXX XXXX. These are also a non-account holding inquiries. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit.
Consumer complaint received 2022-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC. (CA)

Net Credit has been reporting a closed installment loan incorrectly to my credit report. They have been reporting me as XXXX XXXX late in XXXX and XXXX XXXX  late in XXXX. There was an error on their part for debiting my account for the aforementioned XXXX I received an email from a representative of Net Credit, XXXX XXXX XXXX, who recognized the mistake and claims they have corrected it on my XXXX report. To date, my XXXX credit still reflects me having late payments. However, during my last conversation with Net Credit, they stated that Net Credit had reported my account as paid and in good standing. This reflected as paid as of XXXX but failed to remove the late payments of the aforementioned XXXX. This has dropped my XXXX XXXX and caused me irreparable harm. I've had my credit lines on credit cards decreased recently due this erroneous reporting.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-27
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)

15 U.S.C 1681b ( c ) breach of my privacy rights I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a serious violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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
Consumer complaint received 2019-01-24
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: EQUIFAX, INC. (GA)

The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

i have been attempting to get Equifax report and score as well and their customer service team has no idea why customer keep getting error messages. THis appears to be widespread and their own reps say this has been escalated for months to their technology team. There are blogs on my fico speaking about this.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

XX/XX/23 a letter of dispute was sent to equifax because there are some items on my consumer report that i have no idea where they are reporting from. I waited 30 days and have yet to get anything from the company going over my dispute.
Consumer complaint received 2020-02-28
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: EQUIFAX, INC. (NV)

I do not moniter my credit often, I see an ample amount of account showing on my credit profile that I have no knowledge of. I have contacted the credit bureaus via mail and none of my request are being responded to.
Consumer complaint received 2019-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

I have written, called Flagstar Bank , FSB regarding my status as a XXXX veteran and its refusal after multiple contacts by myself to stop escrowing property taxes that my city/state has granted me an exemption from. 

Our local tax authority here in XXXX XXXX meets several times per year to review documents received from the XXXX veteran proving his or her qualification for this benefit. Apparently in early 2018 I either missed a submission of this proof or it was lost somewhere before reaching the board. It has since been approved. 

I am including copies of documents received from XXXX XXXX indicating I am exempt from these taxes and they should stop escrowing for them. The improper escrowing of property tax I do not owe is costing me approximately {$350.00} more PER MONTH, I would like them to return my house payments to the amount we budgeted for when we signed the documents for the mortgage which was {$1000.00}. 

I provided documentation to Flagstar Bank on XX/XX/2018 as requested to enable them to do a new escrow analysis, and I have not received one as of yet. The last escrow analysis was run on XX/XX/2018 2018
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon checking my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.
Consumer complaint received 2020-02-28
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: EQUIFAX, INC. (CA)

There are 2 hard inquires on my credit report that I did not authorize. Ive also disputed the account as well. The company said that they will correct it. However they havent done so and will not get back with me. I filed a dispute. After later calling Equifax to check on the status, the rep & supervisor told me that the did an investigation and the other party did not respond but they will not delete the inquires although I did not authorize them and have proof. The rep and supervisor said that the are factual records even though the other party did not respond.