davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

On XX/XX/2022, an unauthorized organization ( USAA Savings Bank ) attempted to access my credit report. I have no affiliation with this organization at all and is unsure how and why my information was provided to them without consent. I received an alert from XXXX XXXX XXXX XXXX XXXX. After looking more into, I took action my making sure my credit report remained locked and was informed to report this to CFPB. I have a screenshot of the action and information regarding the bank who attempted to access my information without permission.
Consumer complaint received 2022-02-11
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. (TX)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (GA)

The Credit Bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : Experian - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX and XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

There is something " odd '' going on with my account I had a negative balance in my PayPal account ( of the chargeback less the PayPal fee ) after making several transfers to correct the problem it is finally fixed. 

I was wrongly charged for a PayPal XXXX XXXX for XXXX less the PayPal fee, that really is not supposed to be covered by PayPal as it is a SERVICE BEING SOLD. 

AFTER MAKING MORE THAN XXXX TRANSFER THE PROBLEM WAS NOT CORRECTED. YET THE PAYPAL DISPUTE HAS NOT BEEN ADJUDICATED YET? I would like a full accounting of both of my PayPal accounts ( XXXX XXXX My bank account that I have been trying to add for months will not allow me to add it and they are the correct deposits as you can see from the evidence attached
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was a victim of the recent TransUnion inquiry issue and was needing to have inquiries moved. I have spoke to a transunion rep on the phone who refused to help me in any sort of way. The inquiries needing to be removed are as follows : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

XX/XX/2015 Nelnet has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.
Consumer complaint received 2018-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

On XX/XX/2018, Conns home appliance called Mr. XXXX XXXX XXXX on his personal cell phone which is XXXX. The debt being collected belongs to XXXX XXXX, his ex wife of 8 years. The initial contract signed with Conns, which I do have a copy of, no where lists Mr. XXXX responsible for this debt. I asked representative how hisnumber was obtained and it seems they XXXX Mr. XXXX name. This exceeds the limits of debt collection. I have no problem with Conns contacting me the debtor or any one listed for contact. They are however will be held legally responsible for calling someone that is totally not obligated.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ACOPIA CAPITAL GROUP (CA)

Acopia refuses to correct its record to reflect my correct payment dates. My XXXX and XXXX payments were cleared/received by Acopia on XXXX XXXX and XXXX XXXX, respectively ( which Acopia acknowledged ) ; however, Acopia recorded my XXXX and XXXX payments as XXXX XXXX and XXXX XXXX, respectively, and refused to correct its errors. The reason Acopia gave me is that its prior servicer forwarded my XXXX payment to them on XXXX XXXX and it applied my XXXX payment to XXXX 's balance due. The fact that Acopia changed it 's servicer is not an excuse to record my payments inaccurately. I paid my mortgage payments timely, and now Acopia recorded it as late. Although no late charge was assessed, I can not accept the incorrect recording of my payments, which would probably affect my credit history. I have brought this matter to Acopia 's attention since end of XXXX when I did n't see my XXXX payment on the XXXX statement. Numerous follow-up were made since then. Acopia acknowledged that my payments were received on XXXX XXXX and XXXX XXXX but refused to correct it 's accounting errors : their records are now showing my XXXX and XXXX payments were received on XXXX and XXXX, instead of the correct dates of XXXX and XXXX. Attached are two sets of recent communication with Acopia.
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 602a : States that I have the right to privacy.

15 U.S.C. 1681 604a Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-12-12
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 contacted TransUnion and XXXX to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 there were items resolved at that time but not all. The second contact was XX/XX/2018 at which time the following items were addressed but remain on the report still : I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that are inaccurate. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following name is NOT my name XXXX XXXX, please remove from my report. The following accts have NEVER been late, please cease reporting as late XXXX/ XXXX XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX XXXX  XXXX acct # XXXX. This is my third letter with the same accts and information still being reported inaccurately. I will pursue this issue until I receive an accurate credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : 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 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 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-06-14
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. (FL)

In accordance with the Fair Credit reporting act XXXX the following accounts have violated my 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 XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX ACCT NUMBER : XXXX DATE : XX/XX/2018
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have recently checked my credit report and noticed there are numerous errors regarding XXXX XXXX XXXX. I see that the last active dates are different. Dates of last payment are different. On my XXXX report it has been reporting C/O and on my XXXX the payment history doesn't match. From my understanding under the FCRA all info on my credit report must be 100 % accurate. There are 2 accounts that are reporting the same mistakes. I have not received a 1099-c regarding the charge off for both of these accounts neither. Dispute letters have been sent and nothing has been resolved to fix this.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

XX/XX/XXXX I received a call from Diversified consulatants inc. for a XXXX account claiming that I owe them {$3900.00}. Ive never had a XXXX account. So i began to explain to them I had identity theft with my SSDN, name and address. They told me they would send me a letter with information required for fraud. While on the phone I heard cheering and partying in the background. The guy on the phone instantly muted the phone while telling his crew to be quiet. I knew at that moment it was a scam. 
In XX/XX/XXXX when i learned that my identity was stolen i had my credit report ran by XXXX ( the credit agency that was hacked ) and XXXX  came up as one of the companies they tried to open a account with. We called XXXX and they told us there was no account open. I continued to call XXXX again right after receiving this call and they told me again there is no account. 
its weird too because all of the credit agencies that i have been turned over to because of identity theft have told me that i have to contact the company directly and deal with their fraud company. this is the first collection agency that claims they do it themselves. 
XX/XX/XXXX i receive a letter in the mail asking for all my information SSDN, name and address, police report to make a claim. the letter looks unprofessional and is a copy not a actual printed letter.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NV)

There is a late payment reporting on my US Bank account. As you can see I have had this account open for years and never made a late payment and there is not XXXX single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (MA)

XX/XX/XXXX Check XXXX from XXXX XXXX deposited into my wife 's account at Ally Bank via mobile deposit. 

XX/XX/XXXX My wife notices funds have been removed from Ally Bank and calls Ally service number. Representative states we should follow up with check issuer as the funds were removed by request. 

After back and forth with check writer, they state they did not receive the funds from Ally and tell us they do not have the funds. 

XX/XX/XXXX My wife contacts Ally and representative states we may be victim of ID fraud and that a claim has been opened. 

Since that time we have not been able to speak with the Loss Prevention Unit of Ally Bank and they refuse to return our calls.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had 16 months of exceptional payments with Capital One Bank and I sent a goodwill letter because I was going through hardships and I couldn't pay it on time. Despite sending the goodwill letter Capitol One Bank still wants a payment. I paid a settlement amount of {$280.00} in full and I spoke to a representative from the collection agency and kindly asked them to delete the negative reports on my credit report they refused to do so. This is unfair practice and after making a full payments this deragotory item remains. This is hurting my ability to get credit I need help to get this removed off my credit report.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NY)

I have had two auto loans with Bridgecrest, one that was paid off early, the other since 2018. Until issues related to the pandemic, I have made timely payments. Because of the pandemic and my mother being treated for XXXX, I temporarily had unexpected closure of two of my companies and made all of my payments in a timely manner or received forbearance.

Additionally, my checking account was hit with fraud and it took over 90 days to resolve.

I was using an app called Prism to pay bills and the app malfunctioned and did not update my new banking info for drafts and did not send two payments and as soon as I got this resolved, I paid the payments. Bridgecrest has reported 2-3 late payments on loan and I asked them to, as a courtesy, given that I have always payed timely, to remove the late payment reporting from all credit bureaus so that I could be approved for a mortgage. They called saying that they are unwilling to remove the reporting. 

Since the billing issue was promptly resolved, I have made timely payments, as I had up to that point and it is completely at their discretion to do a good faith removal of the negative reporting. 

By obtaining the HELOC, I am able to pay off the auto loan and my credit cards and also purchase equipment needed ro expand my transportation company with our XXXX XXXX XXXX. Their unwillingness to make a good faith removal is hampering my ability to take care of my elderly mother and child.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

CFPB Complaint # XXXX. XXXX 's response to my original complaint is absolutely false and inaccurate. First, we provided proof there was no storm lien at all ( letter from the City of XXXX XXXX on their letterhead ) and faxed to XXXX 's loss mitigation department in XX/XX/XXXX. We called XXXX to ensure they received the fax letter stating there was no outstanding storm lien and were told they received it and nothing further was needed. Second, XXXX had our new mailing address yet we never received the letter dated XX/XX/XXXX ( attached to their response dated XX/XX/XXXX ). We received all other mailings from XXXX at our new address but no receipt of this letter. XXXX failed to comply to proper foreclosure notice requirements and never notified us ( should have been sent certified mail ) of the decision to proceed. We were never given the option to cure the deficiency before proceeding with foreclosure. We were financially damaged and harmed as a result XXXX 's failure to follow proper protocol and has damaged my VA housing benefits forever. I want action taken to correct my credit report and my VA housing benefits or I will proceed with legal action
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX . Customer Service XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX I received an unexpected E-mail from this company notifying me that my credit limit was suddenly and without prior notice reduced due to a company review of my account. My account was reduced from a remaining credit line limit of {$1900.00} to within {$100.00} of my balance. Their action brought my account now to within a maxed-out range. I spoke to one of their managers on the phone shortly thereafter and she confirmed this change. She was not able and/or not willing to undo the changes. She stated that the decision was based on a review of my credit report with XXXX   XXXX. Upon checking my credit report with XXXX  I did not find anything negative. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of XXXX bank 's action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have been a customer of XXXX bank since XXXX. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been lowered by XXXX points. I respectfully ask your office to investigate this matter fully. 

E-Mail from XXXX bank >Your revolving credit limit has recently been revised From : XXXX   XXXX To : Date : Wed, XX/XX/XXXX XXXX XXXX Security Zone : Dear XXXX XXXX : There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$4700.00}. This decision was based on the information obtained from a consumer reporting agency. Specifically, your credit report indicates a substantial number of debts owed to other creditors. Your current account balance is {$4500.00} We're online Please visit XXXX XXXX to view your current account information. If you've enrolled in Electronic Communications, please check the XXXX XXXX for more information. Otherwise, a letter has been mailed to you and should be received within the next 7-10 days. This is the most up to date information available to our credit specialists. If you believe your credit limit has been reduced due to inaccurate information on your credit bureau report, and such inaccurate information has been corrected on your report, please visit XXXX XXXX within the next 60 days to see if you qualify for a credit limit increase. 
Sincerely, XXXX XXXX XXXX XXXX