davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
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: Experian Information Solutions Inc. (GA)

On   XXXX   XXXX   2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.
Consumer complaint received 2023-01-27
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. (LA)

Prior complaint # XXXX In an attempt to rectify this deceptive at by the car dealership and lender whose falsified payments being made on a loan for a XXXX XXXX XXXX XXXX which never happened due to uncovering the vehicle had been wrecked and resold multiple times prior to our agreement and was not disclosed to us. The car immediately went into a lawsuit against XXXX XXXX and XXXX XXXX XXXX. Please see the attached document and responsibility of the vehicle being retracted back to the dealership. Being that my credit report is miscategorized on purpose, it is definitely an intentional act placed by the lender. I want this vehicle immediately removed off of my credit report and my additional signer credit report. We have endured enough with this bad deal. If not, I will seek immediate action.
Consumer complaint received 2020-08-19
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. (CA)

MY XXXX  AUTO LOAN ACCT NUMBER XXXX SHOWS A LATE PAYMENT IN XX/XX/2020 WHICH IS NOT CORRECT. EACH BUREAU SHOULD BE ON THE SAME PAGE AND REPORT DATA CORRECTLY.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I received an alert from my credit monitoring companies and I received a credit card in the mail, I had not applied for. When I called the company, they informed me at least two different credit card accounts had been opened. One for Ulta and the other for XXXX. 

Ulta - Charged : {$530.00} XXXX - XXXX : {$1000.00}
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I phoned in to capital one to make payment arrangements as I was sick with the flu and out of work for one month. Payment arrangements were made on both accounts that I have with them. I specifically concentrated in the account ending in XXXX due to the length of time a payment was not made. I was sent an email confirming that no payment was necessary on XX/XX/XXXX. The payment was now due on XX/XX/XXXX. I received notification on XX/XX/XXXX that a late payment was recorded on my report with regard to this account. This is NOT the first second nor third time that Capital one has incorrectly reported late payments to the credit bureau concerningcmy accounts. At this point does capital one need to be taken to court??? It's absolutely ridiculous. Not only did this affect my report but my husband is an authorized user and this gas decreased his score XXXX points!!!! It's absolutely unacceptable. I want my report updated correctly and my account monitored by corporate. There's no way in XXXX this happens repeatedly. I want it corrected like yesterday! I had plan 's on purchasing a new car on valentines day with a now XXXX point decrease!
Consumer complaint received 2023-01-27
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. (VA)

I have made numerous attempts at getting EXPERIAN to remover the following off my consumer credit profile in pursuant of 15 USC 1681 B the following had no been authorized by me to place on my consumer credit profile XXXX XXXX XXXX ... ... ... .... collections XXXX XXXX XXXXXXXX ... ... ... ... ... ... ... ... ... .. late pay XXXX XXXX XXXX XXXX.. ... ... ... ... ... ... ... .. late pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections XXXXXXXX XXXX XXXX... ... ... ... ... ... ... ... .... collections XXXX XXXX XXXX... ... ... ... ... ... ... ... ... ... ... ... .... late pays XXXX XXXX XXXXXXXX ... ... ... ... ... ... ... ... ... .. late pay XXXX XXXXXXXX ... XXXX ... ... ... ... ... ... .... late pay XXXX XXXX ... ... ... ... ... ... ... ... .... late pay XXXX XXXXXXXX ... ... ... ... ... ... ... ... .... late pay XXXX XXXX XXXXXXXX ... ... ... ... ... ... ... ... .... late pay XXXX XXXXXXXX ... ... ... ... ... ... ... ... .. late pay
Consumer complaint received 2020-08-19
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: Professional Debt Mediation, Inc. (FL)

THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-04-05
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. (IN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2018-03-31
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. (WI)

Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX  have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lexicon Title Services LLC (SC)

Sold my home XXXX XXXX, XXXX. XXXX XXXX XXXX ( Lexicon Title Services LLC ) has not returned {$450.00} to me from this sale. I want it to be immediately wired to my account at XXXX XXXX, with interest. I paid EVERY WATER BILL MYSELF. I only discovered this in preparing my taxes yesterday. I called XXXX yesterday ( XX/XX/XXXX ) to learn there was a remaining bill ( {$77.00} ) and I paid it. Also, I was charged for a bill ( {$100.00} ) that I had paid on XX/XX/XXXX from my checking account and {$350.00} for Water Escrow to Lexicon Title Services LLC. That woman hasn't even contacted XXXX in OVER SIX MONTHS to see if I own anything. I DO NOT.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (IL)

I called back in XXXX to settle this account after they switched to a new collection agency for a XXXX  XXXX  account. We agreed to 3 payments of XXXX appx. They took the first payment in XXXX, all events are for year 2018,. After the first payment I called back within that same first week and asked to cancel the arrangement because I could not afford it any longer and I was moving soon. The representative was very rude and threatened to report the account back to the credit bureau under the previous full balance versus what I even just paid. She told me she would cancel the arrangement and when I asked to speak to her supervisory regarding her service she refused and told me no supervisors were available when I called back I was placed on a block list. I called back today XXXX to find out why they charged my account again I spoke with a very rude supervisory who began to raise her voice to me and yell. I asked to speak with her manager because I wanted the previous call reviewed in XXXX she told me she would not do that nor did she have available and begin to get really rude saying I could call back and speak to a supervisory who was her equivalent. Once again when I tried to call back to customer service my number was blocked and I did record it this time. They charged my account when I asked to cancel the arrangement and refused to resolve the bill error they caused and threatened to report the full amount less the one payment I made.
Consumer complaint received 2022-06-09
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. (CA)

I have requested information/ documents on accounts that I feel were not mine and inaccurate the disputes occurred XXXX Credit bureaus have failed to conduct the proper investigation on accounts disputed. With no response for over 30 days and when receiving letters of investigation no documents where provided to prove the accounts where accurate and mine. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the two accounts disputed.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters before this with no response and it has created a very stressful situation. The statute of limitations for the state of New Jersey have expired.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. This is my follow-up complaint to my previous submission. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00}
Consumer complaint received 2021-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Contacted loan service Specialized Loan Service XX/XX/XXXX and XX/XX/XXXX. Current in forbearance want me to will end XX/XX/XXXX. They want me to pay {$23000.00} all at once or move out, or they will start the foreclosure process. I am a Veteran, age XXXX XXXX XXXX XXXXXXXX XXXX XXXX and a XXXX patient. President Biden and Congress has announced a plan to help Veteran even if they don't have a VA Loan. The Palm Beach Mortgage Assistance Program sent them a check for {$9200.00} and they sent the check back to Palm Beach Housing Assistance. 

PLEASE HELP!!!! Deadline is XX/XX/XXXX. 

Veteran XXXX XXXX
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service (NV)

We moved and forwarded our mail, AND WE CHANGED THE ADDRESS ONLINE. ALSO we paid off our card in the Fall. We made one new charge during this time and THEY STILL MAILED IT TO THE WRONG ADDRESS AND NEVER BOTHERED TO SEND AN EMAIL, CALL OR WRITE TO LET US KNOW WE HAD A LATE FEE, INSTEAD CONTINUED TO CHARGE US. We signed up for alerts and didn't get them. ALSO WE SIGNED UP FOR AUTO PAYMENTS AND THAT DROPPED OFF THE MAP, NO FAULT OF OUR OWN, YET THEY ARE REFUSING TO REVERSE THE NEGATIVE ( 1 MONTH LATE ON OUR CREDIT REPORT!!!! )
Consumer complaint received 2021-08-09
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. (MI)

I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that XXXX  and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also XXXX  and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am not using a third party. I am a consumer who knows their federally protected rights. XXXX XXXX XXXX XXXX XXXX is in direct violation under federally protect consumer rights 15 U.S 1681b ( c ) ( 2 ) as I did not give this corporation permission to furnish a consumer report. No consent is IDENTITY THEFT. Additionally, XXXX XXXX XXXX XXXX XXXX is violating federally protected consumer right 15 USC 1681 ( a ) ( 1 ), " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Additionally, XXXX XXXX XXXX XXXX XXXX is violating federally protected consumer right 15 USC 1681 ( a ) ( 4 ) - violating the consumers right to privacy. As a consumer, I have a right to privacy and reporting ANY personal information without my direct written consent is a violation of the consumers federally protected rights under 15 USC 1681. As a consumer with a right to privacy, I demand the deletion of XXXX XXXX XXXX XXXX XXXX from all consumer reporting agencies XXXX XXXX XXXX XXXX XXXX provided my information to.
Consumer complaint received 2024-02-08
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (IL)

I have been out of town and when I got home and opened my mail, there was a Chase debit card in there saying my new Chase debit card is here. I dont bank with Chase. I dont have a checking account anywhere ending in those four numbers. I called Chase spoke to about 3 different people. Chase told me to contact you. Coincidentally this same thing is happening to a friend of mine. Same small town and we frequent the same places. Theres no date on the letter. It could have been sitting at my house for several weeks. Maybe even a month or more. I tried to activate it thinking it had something to do with the IRS as per the recording from Chases customer service. I couldnt activate it so I called Chase and here I am.
Consumer complaint received 2018-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (AL)

Disputing : Account : Frost Arnett On XX/XX/2018, I disputed the following account in writing due to me having no recollection of ever having an account with Frost Arnett who is reporting negative information to my credit profile. In my first dispute, XXXX  and Frost Arnett failed to provide Verifiable Proof such as, an original Consumer Contract with my Signature on it for the account listed above. 

Their failure to positively verify these accounts prior to reporting them, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove these accounts. I believe that they have failed to follow the law ( s ) on this matter. 

Also, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to physically verify the original signed consumer contract, and all accounts they they post on someones credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX  and Frost Arnett 's refusal to follow the law has left me with no other option, but to file this complaint.. 

I am submitting my dispute letter that I sent to XXXX on XX/XX/2018.
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Tesla, Inc. (CO)

tesla finance approved my lease transfer from original owner on XX/XX/20, i have been making lease payments since then and they lost my paper work to send to DMV to register the car - they are not finding a resolution for the problem and when i call once a week to talk to a manger they keep saying no one is avail and will call me back. i can not drive the car due to this and i have to still make payments.
Consumer complaint received 2023-01-28
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC. (TX)

Car was leased in XXXX from XXXX XXXX. Car was repossessed in year XXXX and Gap insurance paid the difference to Santander due to the XXXX XXXX ongoing trial at the time. I was told the negative repossession report would be removed off my credit.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX to remove these : XXXX 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 XXXXXXXX XXXX XXXX XXXX that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again. Remove these items as soon as feasible
Consumer complaint received 2021-08-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (FL)

An employee of XXXX XXXX has fraudulently taken a loan for {$16000.00} with my name as a cosigner for a new car. I was alerted to this by the credit company as the individual has stopped making payments. I was never at the dealership authorizing any loan in my name. I contacted the dealership numerous times to get this resolved. They refuse to do anything to correct the matter. I have contacted the loan company and was told that the dealership has to correct the issue. Please investigate the dealership located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Maryland XXXX