davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (TX)

This company refuses to update my credit report in a timely manner. The account with them was paid off in full, early. Yet they still report a revolving balance and open account. I have submitted disputes and they verify that their information is accurate. I have no open account with Rise, nor do I owe them any money.
Consumer complaint received 2022-05-18
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. (GA)

XXXX report the inquiries as fraud XXXX XXXX asked for an investigation of accounts XX/XX/XXXX aked for a reiview and reinvestigation of inquiries XX/XX/XXXX reported inquiries as unauthorized fraud XXXX XXXXreported inquiries as unauthorized fraud XXXX XXXX XX/XX/XXXX reported inquiries as unauthorized fraud These are all unauthorized hard inquiries XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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
Consumer complaint received 2021-11-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX SXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX  Account # XXXX ) have violated my rights. 

15 U.S.C.1681 SECTION 602 A. States I have the right to privacy 15 U..S.C. 1861 SECTION 604 A SECTION 2. It also sates a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-29
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. (CA)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX  Account # XXXX ) have violated my rights. 

15 U.S.C.1681 SECTION 602 A. States I have the right to privacy 15 U..S.C. 1861 SECTION 604 A SECTION 2. It also sates a consumer reporting agency can not furnish an account without my written instructions.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX loan id XXXX is reporting incorrect information to transunion. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report., ... ... XXXX. Loan ID : XXXX Is reporting inaccurate information on my TransUnion credit report.from XXXX of 2021 to now they are reporting my account as 149 days late. I have submitted several disputes through cfpb but XXXX  keeps verifying the account as accurate.This account is over 300 days late and should be closed. Please remove this inaccurate information from my TransUnion credit report.XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information. Please block and delete this account from my credit report. XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 249 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 291 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 321 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 354 days XXXX XXXX XX/XX/2021 is more than 149 days late, as of XXXX this account is more than 300 days late. Please block and delete this inaccurate information
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am being denied credit because of some information that is no longer correct. 
Case or ID # XXXX Chapter XXXX was discharged on XXXX XXXX 2015. This is still showing up as being filed and needs to be listed as discharged. This is causing issues on my end. Please correct this asap. Thank you .... 
DOCKET # XXXX -- this needs to be removed. it is more than 8 years old ... deleteDOCKET # XXXX -- Needs to be deleted ... I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 2019-11-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NJ)

I found out that there was debt {$470.00} on my credit report so I contacted the company AmeriFinancial Solutions LLC list on XX/XX/XXXX. I verified my personal info and was told the debt from XX/XX/XXXX was for a hospital. I explained that I was unware of this bill and to sent me proof. I was told that a letter would be sent to me and I could send it to my insurance. A month later I XXXX XXXX, XXXX I reached back out because I had not received any documentation from them about the debt. I was told by the company that they would not be sending any documentation until I made a good faith payment. I stated that I didn't believe the debt was mine and needed proof. I contacted the credit bureaus to debt this debt, however they keep claiming the debt is mine would out sending proof besides only verifying my D.O.B. and SSN I have not received any written communication from AmeriFinancial Solutions LLC at  all. I believe this to be fraud. This is a deceive practice to not verify and show proof but request payment. As a result my credit has been impacted. I have tried contacting the Hospital in XX/XX/XXXX directly however I am being told that the record is not longer accessible and that I must contact the collection agency.
Consumer complaint received 2017-06-28
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I am currently being XXXX XXXX from the XXXX XXXX XXXX after 11 years of service. I have been paying on my mortgage with Fifth-Third Bank for over 4 years, but because they never contacted me that my payments were XXXX dollars short, they claim that I never made payments for XX/XX/XXXX or XX/XX/XXXX. The company had my phone number and my email address ; however, these modes of communication were never used. Somehow they had an incorrect address for me. The payment of XXXX was made on the XX/XX/XXXX and the XX/XX/XXXX. They took these payments and sent them to the incorrect address. They could have sent them to the property address, emailed, or called me, but they chose to report it to the credit bureaus. I am asking that this negative mark on my credit be removed because of the miscommunication, the fact that I immediately resolved the matter once I realized what had happened, the nature of my XXXX, which contributed to the situation, and my consistent record of making on-time payments in the past.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: FIRST ADVANTAGE CORPORATION (VA)

First Advantage conducted a criminal background check on me and rendered results that included false, inaccurate, incorrect and imcomplete information. I have had to dispute this issue with First Advantage several times to have the errorneous information removed. First Advantage is a violator of the FCRA. First Advantage removed/deleted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX of XXXX and removed the errorneous information again in XXXX XXXX. Recently, XXXX XXXX First Advantage reinserted the incorrect, incomplete, inaccurate infromation again causing me to be denied employment. Please see attached : the attached case XXXX shows where the case was DISMISSED and I was never charged nor incarcerated, First Advantage has failed and neglected to include this pertinent information in the background screening and DISSIMENATED this inaccurate, incorrect, incomplete information to third parties.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

This law firm is garnishing my wages- and I wasn't even notified. When I attempted to resolve the debt, I was directed to a website, given an account number, and told that I had to pay the amount in full and then my wages garnished would be refunded and a satisfaction of judgement issued within 30 days. When I went to pay the debt online, first of all, it would not accept the file number given to me, and the directions say to include the hyphen. I tried twice in a week, and finally, tried without the hyphen and it was accepted. I tried to pay the entire debt amount that was given to me over the phone with my company debit card. This is my company that I own, and there is plenty of funds in that account. I was given an XXXX  error ... .when I called and spoke with a XXXX XXXX XXXX he said that he called the XXXX department and said my address did not match what was on file with my card. This is the only address I ever use, and I've lived there for 10 years. There's no other address. Right before this call, I attempted to pay bills with this card and had no problems doing so. I was told that if I didn't pay with a debit card, it could take XXXX days to process and then I would have to wait another XXXX days for them to stop the garnishment and another 30 days to wait for my refund and satisfaction of judgement. So he proceeds to tell me that I could pay on the site using the checking account method. The instructions say that it will take XXXX days for processing, but if I needed it processed quicker to call. I also tried to pay this way, and it wasn't being accepted either. So I called back and had this same man take the information over the phone. I then learn that my balance grows by XXXX each day. So perhaps the amount was the issue in accepting payment. Regardless, this firm is making it nearly impossible to settle this debt. I have waited on hold for over an hour, and I don't have that amount allotted in my workday for that. I feel this firm is engaged in predatory practices that only make it more difficult on the debtor. It shouldn't be that hard to pay this online or contact someone over the phone who could resolve this in a matter of minutes.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited {$650.00} on XX/XX/2020, XXXX, at Bank of America, XXXX XXXX, CA. location. The ATM number is XXXX. But the ATM got problem, took all my money in and only printed a receipt of deposit of {$300.00}. On the receipt shows they created an issue record that will be attached to my transaction. And call them to claim, number is XXXX. I went into the bank, they tell me to call the number. I called them on XXXX, they refund me a credit of {$300.00}. I got this {$300.00} on XX/XX/2020. I called them again says they still short me {$50.00}. They said they will make record and come back to me. But I never got respond. I wish they can refund me the {$50.00}. Every deposited I made on this account is {$650.00}. they can see the history.
Consumer complaint received 2022-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (CA)

Hello, I would like to share my current unfair experience. My wife and I have always paid on time. We both have never missed a payment. I had been paying off a car that I purchased at Carmax. Last year was the last year for the payment of 5 years. I have never been late on the payment or even missed a payment. For some reason in XX/XX/XXXX, I received a notice that the XXXX payment was past due. On our side, the payment was removed like all of our other auto payments. There would be no reason autopay was disconnected for the last XXXX payments! As soon as I received the letter in XXXX, I called Carmax. We spoke with the the local office and the corporate office. They confirmed that they would not report this to the credit bureau, but if they did, it would reflect in 30 days. I patiently waited, and no negative impact was posted on my credit score. I was of course sensitive because my wife and I had been preparing to purchase our first home. We had been preparing and making sure everything was okay for months before. We finally purchased in XX/XX/XXXX and everything has been going well. 

This month ( XX/XX/XXXX ), XXXX XXXX XXXX program alerted me that there is a missed payment. My score had gone down XXXX points. This was very shocking to me especially because the loan disclosures have been sent and the rate has been locked. We are 19 days from closing and they did a final check for credit score. They found this and now the whole situation is a different story. Now the numbers on our loan are looking to be much higher & to keep the same rate, we need to pay an additional point cost. 

Because of Carmax 's faulty autopay program, my credit score went from high XXXX to mid XXXX. This was a very large difference and making it difficult as I have this unexpected extra upfront point cost of {$6800.00} and additional {$100.00} of mortgage insurance each month ( it is expected to stay for 10 years= {$12000.00} ) Please help me receive this amount. 
Thank you for your time in advance.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: E*TRADE BANK (MN)

E-Trade has completely removed access to all of my records for a checking account I closed with them. There are no statements online for the checking account. The only thing accessible is Brokerage account statements for an IRA that I closed with them as well. I need these records for potential upcoming legal matters and request IMMEDIATE ACCESS to all of my checking account statements from E-Trade. I contacted the organization and did a " screen share '' with one of their reps. She was unhelpful and couldn't figure out why the statements were no longer there.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian continues to report inaccurate information that is causing me serious harms. These accounts listed as XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting inaccurately. The accounts can not be charged off with a balance due when federal law states any balance that is over a {$1.00} is due to the consumer so Experian reporting this information is a violation of federal law under FCRA when they know the information is inaccurate. Experian previously stated they removed the information and they did not. These accounts are still showing inaccurately on my credit report and Experian has failed to removed them as stated with the paperwork they sent to my home. This proves Experian is not doing what they reported to the CFPB but instead the exact opposite. Furthermore Experian is required to send opt out notice every 30 days to the consumer so they may opt out of certain information being reported. I have received no such notice. My name is also copyrighted and trademarked which means Experian would need permission from my estate to use the property. Experian is selling my information for profit as well and listed on the XXXX XXXX XXXX which means they are securitizing consumer reports and most get authorization from whom it relates.
Consumer complaint received 2022-03-29
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. (TX)

THere are accounts under my name that is a result of Identity Theft. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.
Consumer complaint received 2019-07-26
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. (WA)

Equifax is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) These accounts report a {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} past due balance. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Consumer complaint received 2020-09-14
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: Nelnet, Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2017-07-15
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. (IL)

Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through experian, XXXX and XXXX systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.