davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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: 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 XXXX XXXX, 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 US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
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. (NJ)

I am writing to dispute unauthorized inquiries on my credit report that I believe were made without a permissible purpose or any legitimate business reason, in violation of my right to privacy. This is a clear violation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) and 15 U.S.C. 1681b ( f ). 


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Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXCLUSIONS its ILLEGAL TO REPORT INNACCURATE INFORMATION on my consumer report. 
DELETE ALL WITHIN XXXX DAYS
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXCLUSIONS its ILLEGAL TO REPORT INNACCURATE INFORMATION on my consumer report. 
DELETE ALL WITHIN XXXX DAYS
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXCLUSIONS its ILLEGAL TO REPORT INNACCURATE INFORMATION on my consumer report. 
DELETE ALL WITHIN XXXX DAYS
Consumer complaint received 2021-10-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

On the week of XX/XX/XXXX, my CHECKING account got hacked into. The total amount taken from my CHECKING account was XXXX. However, I only got back XXXX. I called them again about where my remaining XXXX is they said they could not find a claim for that amount. So I thought, oh perhaps they somehow missed in our first conversation that the date of XX/XX/XXXX and onward are not my transactions. That includes XX/XX/XXXX. I made it clear, the only transaction that is mine is a payment to my credit card for XXXX and a XXXX of XXXX. Anything else was not mine starting XX/XX/XXXX up to XX/XX/XXXX. I called them several times only to be moved around from department to department for hours with no one able to help me. During this time my SAVINGS account was also hacked. I did get my full refund for that claim with no issue. It is only the CHECKING ACCOUNT that they have NOT funded me for the full XXXX dollars. Attached is proof of XXXX additional claims that make XXXX sense and are NOT the remaining XXXX that I originally asked for. I NEVER made a inquiry about the XXXX cents or XXXX cents. I did make plenty of inquiries and asking for the XXXX dollars that is still not returned ....
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NC)

On XXXX XXXX, I received a lawsuit to collect a debt for the amount of XXXX for a membership for a vacation club, that it sold the debt and the person who sold the debt sued me, the membership was canceled but I do not understand why they want to pay for something that has already been canceled
Consumer complaint received 2021-06-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (MD)

I filed for bankruptcy in XX/XX/2018. At the time, we had a first and second mortgage. First was with XXXX XXXX and the second with Ocwen, now PHH. My husband DID NOT file for bankruptcy. He is also on the mortgages. We are trying to refinance our mortgage now that my bankruptcy is discharged. We are trying to refinance only in my husband 's name since I'm working on rebuilding my credit. During this process of the new lender and XXXX XXXX working to obtain a payoff amount from PHH, it was discovered that my husband was removed from the PHH loan in XX/XX/2018, and PHH is saying it was a modification. There was no such modification nor should my husband have been removed from the loan. In addition, we never authorized this or signed any documents. We are unable to refinance in my husband 's name until the situation is rectified. PHH removed him from the loan unlawfully.
Consumer complaint received 2016-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Dream Center Education Holdings (CA)

I enrolled in The XXXX Institute of California - XXXX XXXX and graduated XXXX in both XXXX and XXXX. To cover the cost of education I took out both types of Federal Loans and also a private loan from the school itself. I currently owe the school just over {$8000.00}. The issue is that when I got into the XXXX field I found out that the degree is nearly useless. It 's only use is for XXXX that most companies will only hire after years of experience, which I could have gotten without the degrees. Even more so is that the job help that they provided was the same, XXXX positions that I could have gotten through basic job searches. 
My time and money were wasted and all I got out of it was constant phone calls asking me to pay for my schooling, but no job that pays enough to afford it. 
Even more, when I was going to school my monthly payment they asked for was {$79.00}. After my first year, that was bumped up to {$120.00} then finally hitting over {$200.00} after the second year. This was explained after the fact when they said XXXX the semesters out of each year was not covered by the loans. 
So I sit, fighting to find a job that can pay, taking odd XXXX jobs that can barely keep me above water and having the school call me to threaten me with debt collectors to take money that I do n't have. 
I was trying to help my family and now I 'm lost.
Consumer complaint received 2021-10-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a victim of identity theft, I have had several other vehicles and credit accounts removed from my credit. USAA is refusing to allow the removal of this fraudulent debt. 

The dispute for the account with USAA FEDERAL SAVINGS BK that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 

I want to see what they are claiming is certified proof-
Consumer complaint received 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX  XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-02-04
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: CL Holdings LLC (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDCOUNTRY FINANCIAL CORP (FL)

A loan was taken out on XX/XX/2014. The last payment received was XX/XX/2014. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (TX)

XXXX XXXX Acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These accounts were created when my identity was stolen and I want them removed and deleted from my credit profile
Consumer complaint received 2022-12-02
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. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-02-13
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. (CA)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 2022-02-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion has failed to verify accuracy of account : XXXX. TransUnion have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. TransUnion have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. TransUnion must comply with the law by providing the requested information within the 15 days allowed. 
A certified mail sent to TransUnion to challenging the validity of this account and requesting that TransUnion open an investigation, but TransUnion has violated my consumer rights by not sending a statement to let me know if they have opened an investigation into the matter. 
I have attached a picture of the receipt of the certified mail I sent to TransUnion concerning this matter.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent several requests over to the credit reporting agency to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. The credit reporting agency has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, they simply update the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. 
The credit reporting agency has ignored my requests and its been 6 months later.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-02-04
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: Bread Financial Holdings, Inc. (CT)

Comenitybank/Victoria Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (FL)

I deposited a check using mobile deposit on XX/XX/XXXX, and received notice that it would be held until XX/XX/XXXX. The notice provided the general list of exceptions to the maximum hold time limit, but did not specify the reason for the hold. I requested clarification and a specific reason multiple times, and was told first they hadnt placed a hold at all, then that they couldnt give me a reason for the hold because its proprietary, then that the hold was discretionary due to their agreement which says they can hold a check for any reason. They declined to lift the hold, and I have no idea why it exists or what to do because I cant use the {$2000.00} that was deposited.
Consumer complaint received 2022-10-10
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-07-30
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)

Acct # : XXXX Acct type : Medical Collection  Furnisher : XXXX XXXX XXXX XXXX Dispute type : Incorrect information I requested to remove incorrect information from my credit history many times. Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. DEFINITELY, THE DATE OF 1ST DELINQUENCY IS INCORRECT, BECAUSE THERE IS NO STATEMENT VERIFYING IT, AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.