davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

in accordance Fair Credit Reporting Act 15 USC 1681b- Permissible purpose of consumer reports. 
XX/XX/2024 I XXXX XXXX notify TransUnion, XXXX, XXXX that are in violation of my consumer Rights. 
15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), term " credit report '' does not include- ( A ) Subject to secection 1681s-3 of this title, any ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. 
There are inaccurate ( late payments ) on my credit report XXXX {$170.00} Account number XXXX XXXX {$1100.00} Account numberXXXX XXXX {$12.00} Account number : XXXX Also without written instruction inaccurate inquiries i did not authorize nor did i consented : XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024XXXX XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024
Consumer complaint received 2020-12-08
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. (MD)

I have recently reviewed a copy of my credit report. I noticed that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The credit report agency continues to violate my rights according to 15 USC 1692 d '' Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. ''
Consumer complaint received 2015-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CT)

Today, XXXX/XXXX/2015, I took out a bank certified check to payoff my car loan to Wells Fargo in the amount of {$27000.00}, in which the payoff amount is good until XXXX/XXXX/2015. I took that check to my nearest Wells Fargo branch along with the payoff statement from Wells Fargo. The branch said that I could not pay off my loan there and that I would have to either send a wire or mail the check to California. To process a wire normally costs {$30.00}. Sending the check via USPS certified mail costs about {$7.00}, not including the time it takes fir the check to be delivered to the west coast from the east coast, which will probably result in interest being accrued for another entire week, thus costing another {$30.00} unnecessarily. 

Due to the bank 's refusal to take a payment today, I am requesting that the accrued interest is dated back to today, XXXX/XXXX/2015, upon receipt of the bank certified check in California, and the certified mail fee of {$6.00} be refunded to me.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXX  accounts, XXXX BankXXXX XXXX account, XXXX XXXX XXXX  and 2 XXXX XXXX accounts. These accounts were not authorized by me and are fraudulent.
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: EQUIFAX, INC. (TX)

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 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: EQUIFAX, INC. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-08-09
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts I found on my Credit Reports. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because because of their willful non-compliance of the dais FGCRA statute. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I PLACE A ORDER WITH XXXX XXXX ON XX/XX/XXXX FOR XXXX XXXX AND PAID ADDITIONAL TO HAVE THE ORDER SENT SECOND DAY AIR {$1300.00}. VENDOR ENDED UP SENDING IT THROUGH POSTAL SERVICE AND ITEM WAS LOST NO MOVEMENT FOR OVER A WEEK. I CONTACTED VENDOR OPTICS PLANET AND I WAS TOLD TO WAIT 25 DAYS AND IF THERE WAS NO MOVEMENT THEN THEY WOULD FILE A CLAIM FOR ME. I WAS UPSET AND TOLD THEM THAT WASN'T OK AND I WANTED A REFUND OR A REPLACEMENT ORDER. THEY SAID NO. I CONTACTED BANK OF AMERICA AFTER THAT CONVERSATION AND STARTED DIDPUTE PROCESS, THEY ASSURED ME A IMMEDIATE CREDIT SINCE I PROVIDED THEM PROOF AND THAT THE PROVISIONAL CREDIT WOULD BE PERMANENT IN 45 DAYS. I NEVER RECEIVED CREDIT FROM BOFA XXXX XXXX SAID THEY CANT CREDIT ME BECAUSE ITS TIED UP WITH DISPUTE PROCESS AND I CAN GET A STRAIGHT ANSWER OR EVEN SOMEONE ON THE PHONE AT BOFA. CLAIM AT BOFA WAS STARTER XXXX AND EVEN IN THERE POLICY IT STATES 45 DAYS TO BE COMPLETED
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US Dept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (FL)

Creditor - XXXX XXXX XXXX ( Mortgage from XXXX XXXX ) Please change Status to CLOSED PAID IN FULL. BALANCE XXXX. I was part of the governments sanctioned forbearance plan and as a XXXX  protected person I am unfairly being targeted by this additional statement by not being able to obtain housing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2016-01-22
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

PennyMac purchased my mortgage and has repeatedly refused to allow me to opt out of PII sharing. I have notified them by phone and in writing of my intent, but they have refused to provide me an e-mail address that would allow this to be properly documented. PennyMac 's actions are a violation of this US statute : XXXX
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems have placed a collections account on my credit report. I have never had an account with them and I do n't know what this collection is for. I 've never receive any information regarding this account and would like for it to be removed from my credit report.
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I right 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.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

Creditor - XXXX ( Mortgage from Shellpoint NewRez ) Status comment : Paid, was past due 180 days or more Remove the was past due 180 days or more. I was part of the governments sanctioned forbearance plan and as a XXXX protected person I am unfairly being targeted by this additional statement by not being able to obtain housing.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (TX)

Upon reviewing my reports, 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 XXXX and XXXX was XX/XX/XXXX, 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 proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I right 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.
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: EQUIFAX, INC. (NM)

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 2022-08-09
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$1900.00} U S DEPT OF ED/XXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX Balance : {$610.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$390.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

This is XXXX 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 Experian was XX/XX/XXXX, 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 proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (TX)

This company kept renewing the loan instead of letting me pay off causing continuous financial hardship. When I asked for a payment plan so the payments would go towards payoff due to paying for so long they said I could gave one because I was not in default or collections. I defaulted on purpose due what was told to me so the drafts would stop and I hoped to get a payment plan. However, they would not work with me and have been unfairly reporting this as an active late account every single month which has caused me to be denied financing for a home. This is abusive and unfair!!
Consumer complaint received 2023-08-19
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: BARCLAYS BANK DELAWARE (CA)

Hello! 

Barclays Bank Delaware has pulled my report without permission on XX/XX/XXXX. Ive called numerous times with absolutely no help on removing this
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are XXXX incorrect addresses showing on my credit file. Please remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (TX)

My consumer credit report is reporting incorrect information for a Chase card that was closed as of XXXX. The debt to the creditor was discharged on XXXX/XXXX/16, and they were advised of this, XXXX credit-reporting shows the condition of the account to be derogatory as well as a revolving account, and after speaking to multiple reps at chase on XXXX/XXXX/16 they are advising that the account shows charged off, and debt still owed to me in their system. As this information is incorrect and this is no longer a debt and is also XXXX old and should not be showing on my credit at all.
Consumer complaint received 2021-11-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exists.
Consumer complaint received 2023-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: C/C Financial (KY)

I purchased furniture and used this company to finance. I went back and forth with the furniture store and the finance company because I received broken furniture and missing parts to a table I purchased. I was under the assumption this was fixed and now its showing up on my credit report. This isnt fair at all. Why would I pay for broken furniture or things that are missing parts?
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NJ)

My experience applying for a Chase Credit Card. I have excellent credit and was advised to apply for a Chase Credit Card by my bank 's branch manager. I was denied, not for a bad credit score or anything regarding my ability to pay but because I 'm very responsible with credit. I have XXXX credit lines. I feel this is a fraudulent penalization and false advertisement on the part of XXXX XXXX Chase. If I would have known of this rule of having too many opened accounts within a 24 month period I would have never applied and wasted a hard inquiry on this Credit Card Application.