davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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. (NV)

Experian XXXX and XXXX XXXX have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.
Consumer complaint received 2022-04-22
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. (NV)

XXXX Equifax and XXXX XXXX have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

Credence Resource Management Acct # XXXX stated I owed XXXX. This was paid back on XXXX/XXXX/2018 by XXXX due to the driver being at fault in the car wreck. They refused to give me a bill. I had to spend 3 hours at the hospital getting the bill to show this was paid.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to Transunion, XXXX and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 
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 2022-04-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (ID)

This number called me 7 times in the span of 1 minute this evening at XXXXXXXX XXXX, as they did this morning at XXXX XXXX They did not identify themselves or leave a message. I had to look up their number to see that theyre associated with Comenity Bank XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

how can an account be late 90 days 11 times after it was closed on XX/XX/2018 and charged off XX/XX/2018 on a voluntary repossession THIS IS INACCURATE REPORTING
Consumer complaint received 2015-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

We were discharged from chapter XXXX. Our home is underwater and wife being out of work since XXXX 2015. We ask Our second lender ( Carrington ) to settle the debt so we can retain the property. They only offered help with a short sale. In a short sale they wo n't get nothing. We never reaffirmed the loan. Can you help us?
Consumer complaint received 2023-03-08
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. (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. 

Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or list of inquiries 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 tha

n 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 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SC)

I qualify for the loan forgiveness and I have tried to do this for years and I have always been given the run around and have been told no. I worked for a XXXX XXXX XXXXl for thirteen years and I know I qualify. Last time I contacted NelNet, they told me I have to reconsolidate my loans and see if I qualify. NelNet just wants to deter people from having their debt whipped out and I owe a little under {$6000.00}.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hi, my name is XXXX XXXX and I have three Capital One accounts, across these three capital one accounts I have auto pay enabled so that every month when a payment is due they are able to pull the $ out of my accounts so that there is no issue. On my credit report capital one is reporting under the account # XXXX XXXX, & XXXX late payments for XX/XX/XXXX, and XX/XX/XXXX. These payments are reporting 30 and 60 days late respectively in which I had auto pay enabled so there could have been no way these payments were late and I also called and spoke to a representative about this issue. They have stated that there was nothing they can do even though I have been a customer of capital one and have had these accounts open since XXXX and am reaching out to the CFPB for help in reopening my accounts and getting these late payments removed as these are substantially hurting my credit in which I am about to get evicted from my apartment as they do frequent credit checks and with this happening it has dropped my score over 100 points.
Consumer complaint received 2024-02-19
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. (SC)

XXXX XXXX Account # XXXX was reported as charge off in XXXX of 2023. Since then the account has been reported as charge off for multiple months, this is an update in the payment history, in which charge off account CAN NOT include an active payment history. This inaccurate information falsely manipulates the statues of limitations. You have failed to properly investigate this account and your negligence have violated my rights. I demand deletion of the XXXX XXXX Account # XXXX
Consumer complaint received 2022-09-28
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. (GA)

I have previously requested the Credit bureaus to investigate this following information and they have failed to correct the errors they are reporting on my credit report. Now it's not the time to update, I demand that the credit bureaus immediately delete the inaccurate information in my credit report. 

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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Listed below are the Fair Credit Reporting Act violations : 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604N section 2 : it also states it's similar reporting agency can not furnish an 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 items of information, other than records of convictions of crimes 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. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) states ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with others with whom he/she is acquainted or who may have knowledge concerning any which items of information.

The credit bureaus failed to provide proof of your investigation, according to 15 US C 1681 section 603 ( 3 ) ( E )
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX and Trans union have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.
Consumer complaint received 2021-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have been paying on my student loan for 21 years and I owe more money now than what I originally borrowed. I borrowed approx XXXX  now I owe XXXX. Though this account has been paid off through XXXX XXXX  XXXX  I would like my account looked at for accuracy because it doesnt make sense. Before I consolidated with XXXX XXXX  I called Nelnet and was told I had another 180 payments.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

To whom it may concern My Name is XXXX XXXX XXXX XXXX XXXX, my wife and I have been a customer of US Bank for approx. 42 years. In XX/XX/2021. I had applied for a car loan at my local US Bank on XXXX XXXX. When I went in to sign the documents for the loan I was made aware of two facts that concerned me : 1. XXXX XXXX XXXX XXXXXXXX XXXX had taken it upon herself to use my application information to log into my XXXX XXXX account where I had my new car loan to review my personal/Bank information. Her actions violate the Fair Credit Act since she previously ran my credit and now was also using this tactic to research my personal information with XXXX XXXX for approval of this loan. 


2. In addition to this XXXX XXXX demanded that I allow the loan to be paid monthly via direct deposit. I had a problem with this as well since my wife and I were customers of US Bank for approx 42 years and NEVER paid a loan late. When I explained this to her she informed me that my previous loan history with US Bank " didn't matter '' and that this was the only option I had. I told her that I was going to cancel this loan and leave. I asked her to destroy all the paperwork so I can leave. She refused and I left without taking the check. 

I didn't think much of this until I recently received 3 notices 1. dated XXXX -- - 2. dated XXXX both stating that if I didn't send them the Title to my vehicle I would be in default and that they will be forced to put a lien on me. 3 Notice dated XXXX Closing all my accounts I called the Branch Manager with this concerns, but all she ( XXXX XXXX - XXXX ) wanted to do was discuss the fact that occurred back in XX/XX/2021 with my loan. She refused to address my concerns with my notices. I called the US Bank XXXX number and spoke to XXXX but she refused to give me any written information that would assure me that it was taken care of. 

Today, I received a Certified letter from XXXX XXXX at the XXXX XXXX telling me that she had closed all my accounts including the checking account that we have had for over 40 years Account # XXXX. 

I believe that the methods used by US Bank not only are illegal and unethical but violate the fair credit acts and are discriminative Title VII. I need your help in resolving all this issues. For this reason I authorize you to speak to anyone at US Bank on my behalf. If you need copies of all the information that I have from US Bank let me know. 

Vehicle Account # XXXX VIN XXXX Checking Account # XXXX Title Service Department US Bank XXXX XXXX XXXX XXXX email XXXX Thank you in advance
Consumer complaint received 2020-02-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (AZ)

The attachment has the original letter of complaint as The text Box will not let me paste into it. I hope that's acceptable please let me know if that poses any problems with publishing it. Thank you for your assistance I can't tell you how much it means.
Consumer complaint received 2022-04-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-02-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2019 I certified mailed Bank of America a Qualified Written Request ( QWR ) referencing an unlawful unjustifiable lien on my property XXXX XXXX XXXX, XXXX, PA XXXX. Pursuant to 12 U.S. Code 2605 ( e ) ( 1 ) ( a ) and Reg. X Section 3500.21 ( e ) ( 1 ) Bank of America violated this law due to no response to me ( the consumer ) within 20 business days and never followed up addressing my QWR to  date.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (GA)

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
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 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 2022-11-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.