davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
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)

Experian XXXX XXXX , XXXX, neglected to show my Auto Loan History. I need to buy a Car.

Experian removed all my previous 3 Auto Loan Payoffs causing negative responses from Lenders.

Several Dealerships say that Experian removed my payment history. The report indicated I dont have Auto Loan History and falsely classified me as a First Time Buyer.

Good Auto Loan Payoffs should be Required By Law to remain on my Payment History so this information can be used to buy a car.

I am requesting that my Auto Payoffs be reflected on my Report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2022-02-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2021-06-11
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: ENCORE CAPITAL GROUP INC. (PA)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain loan.
Consumer complaint received 2021-06-11
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. (TX)

I mailed a dispute letter to Transunion back in XX/XX/XXXX, after not hearing from them I contacted them in XX/XX/XXXX to inquire. I was told that my letter was never received and they asked what I was trying to dispute, I told them and they told me I would have to send another letter with a police report or FTC report. Up until this point I never heard of a report having to be made in order to dispute. I called again on another occasion and was told the same thing at this time I disputed another account which eventually came back as verified as accurate. This let me know that no investigation was done or it was not investigated properly because the accounts that was disputed are accounts that I have settled and paid. This is the only bureau that I have this issue with. I even let them know that one of the items that I disputed was already removed from another bureau.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date filed XX/XX/XXXX Identification number : XXXX ; XXXX XXXXXXXX .... Balance : {$400.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX ; XXXXXXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (PA)

UPON REVIEWING MY CREDIT REPORT I HAVE NOTICED INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE INQUIRIES DO NOT BELONG TO ME. 
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 XXXXXX/XX/XXXX ).
Consumer complaint received 2022-02-22
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. (NV)

I recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I believe I have been a victim of Identity Theft. There are several mistakes and inaccuracies regarding the account status. I am demanding this account be immediately removed off my credit report. 

Bankruptcy XXXX XXXX I have contacted the District Court and they have confirmed that they have not given any private information in reference to this account. 



I also have attachments along with this complaint containing the correct information. 

28 USC 1746 Unsworn declarations under penalty of perjury
Consumer complaint received 2022-02-22
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. (PA)

This isXXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-25
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. (LA)

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my 3rd attempt to correct my XXXX credit report and these XXXX continue to break the law. This is absurd. I am a true victim here! I have sent in FTC and Affidavit and 609 letter before and nothing was done. It has been 75 days, 75 days!!! The information located inside of my FTC report needs to be corrected NOW! I have my lawyer contacting the Attorney General 's office in reference to my credit report. I will sue if I do not get cooperation immediately. Its been 75 days already. How much longer should I suffer? I will be homeless if this is not corrected. Do you want to be the ones who could be the solution, but chose to continue to break the law and my rights? Correct my credit report, NOW!!! 

And before you XXXX ( Transunion, XXXX and XXXX ) try to stall and say I'm doing this for goods, or I did not authorize you to correct/investigate my report, THIS IS XXXX XXXX XXXX I have attached my social security card, proof of address and ID. Please do not try the XXXX tactics. Again, this is my last attempt! Thank you.
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (NV)

I received a preapproved loan/letter from XXXX XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX pm, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

I have decade old defaults on my credit reports that belong to my wife prior to our marriage. I paid for her defaults in full in XXXX. We married in XXXX. I have written letters to the credit bureaus and did n't receive any assistance and my issue was never investigated. I should n't have any defaults on my credit reports. I have honored every loan I have ever acquired. I 'm a small business owner, my income is {$XXXX} yearly and I have difficulties getting loans because of the discrepancies on my credit score that are not mine. I have to pay cash for everything since I have trouble getting financed which is slowing the growth of my business. Also, I have multiple addresses on my credit file but I 've lived at the same place for the past ten years. And I have inquiries on my credit files that I never sought. The last legitimate inquiry I was responsible for was in XXXX when I bought a car for my wife. But for some reason there are multiple inquiries in XXXX and XXXX. And my credit score has lowered since XXXX and I do not know why. Furthermore, I thought defaults were supposed to drop off after seven years. These old defaults, that were paid off, are over nine years old. I do not trust the credit bureaus and banks. I feel that they intentionally try to lower ones score to make more money via high interest rates on loans. I would also like to add that I do not like credit cards, I do not use credit cards, and I will not use credit cards. Credit cards are rip offs. I dislike that credit cards can have such an impact on ones credit score, good or bad. I always pay for what I purchase but my credit score makes me look like an incompetent derelict. I 'm wondering if I may need to hire an attorney to resolve this if I ca n't on my own. I appreciate your time and look forward to any assistance.
Consumer complaint received 2022-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I the attempt to get my credit score up and repair my credit rating I have attempted to acquire a personal loan to take care of an old debt that is in collections. I paid off my vehicle note in an attempt to increase the score that was hovering around the XXXX mark and reduced any current card usage. XXXX XXXX and XXXX score today went to XXXX which is helpful but Experian has lowered my score to XXXX. I call Experian at XXXX on XX/XX/22 to see why it is such a huge difference and they actually lowered my score upon paying off my vehicle loan and they only tell me it is due to the way their XXXX scoring model works. How are they allowed to use a model that is so different than the other credit reporting agencies? They is a XXXX point difference. This has done more damage to my credit score and I will not be able to get the funds I am needing to try and clear up the issue with the collection account. I feel I as a consumer have been robbed by them with this action. If i needed to get a home or even a new job at this time and they run a credit report I am just out of luck at this point. This does not seem to be fair or even legal. What can myself or anyone else do about this.
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  / XXXX / {$3800.00} XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

Account Name : WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2018-12-21
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. (AZ)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of these accounts : XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX and XXXX XXXX XXXX/XXXX   XXXX
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (FL)

on XXXX XXXX i sent a letter regarding my inaccurate and unverifiable informations on my credit report. to this day over 60 days later. i haven't received any response yet. I'm so stressful about this situation
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XXXX XXXX i sent a letter regarding my inaccurate and unverifiable informations on my credit report. to this day over 60 days later. i haven't received any response yet. I'm so stressful about this situation
Consumer complaint received 2019-07-30
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: Southwest Credit Systems, L.P. (NC)

Southest is collection agency that has reported a fraudulent account on my credit report I have provided them with my information and police report regarding the matter and they have not removed the fraudulent and erroneous reporting
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a letter in the mail stating that I needed to send in drivers license, social security card, and two forms of documents verifying my address for TransUnion to update my address on my credit file in order for me to get access to my credit report. I sent that information in ( drivers license, social security card, two utility billls ), and I am still unable to get access to my credit report.
Consumer complaint received 2022-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (IL)

Had a school loan with Wells Fargo that started payment in XXXX of XXXX, after I graduated. Unfortunately, in XXXX I was struggling to make payments, contacted them multiple times. Im XXXX, I had my son and decreased hours at work. I struggled many days trying to speak with someone about options : lowering my payment, deferment, etc. They said based off of how much money I made, my payment was accurate. I reiterated thats great, but thats all you see. You dont see rent, a child, child care, groceries, insurance, etc. and unfortunately told them on the phone I could no longer afford my XXXX $ + monthly payment and if it came between food and the loan, the loan wouldnt be paid. They said there was no other options. I struggled to make payments : maybe I paid XXXX $ /month. After multiple phone calls with them re explaining it to them, and not helping me they sold my loan to a collection agency. Its amazing how a XXXX $ payment I can afford but it took excessive harassment by them, feeling absolutely abandoned by them, and basically being told my life or needs do not matter and I need to pay. I do not have a ton of supporting documentation except for phone calls and my now loan I pay. Unknown because it was a few years ago if anything can be done for me, but even if it helps someone else it is worth filing the complaint.