davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 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 2021-02-21
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)

Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.
Consumer complaint received 2021-02-21
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. (FL)

Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.
Consumer complaint received 2022-06-04
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Balance {$0.00}
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have excellent credit and FICO Score, however, I'm being rejected by Banking Institutions and denied credit for credit cards. This action and the reasons the Financial Institutions provide, Specifically Bank of America and XXXX deny my new applications based on wrong information reported on my Credit Report. I'm being discriminated against as a woman, age and young retired XXXX XXXX Employee. I own a home, paid off mortgages and car loans and there is no reason to deny me on a new credit card application. I've demonstrated sound payment judgement, and deny me access to credit cards or for financial institutions to deny my candidacy for credit lines or loans when I have property and have not filed a bankruptcy is against a host of laws. It takes 25 months to remove a hard inquiry from your credit report when applying for credit cards. This activity negatively impacts my ability to be employable. Employers look at your credit report, whether it's a hard or soft inquiry. I subsequently applied for 2 credit cards online on the same day and was denied by both Financial Institutions. The reasons stated are due to wrongful and outdated credit card information on my XXXX Report. I received my free credit report dated XX/XX/XXXX inquiry number XXXX, where Bank of America denied me credit due to too many inquiries on my report, serious delinquency, lack time of delinquency is too recent or unknown and lack of recent installment loan information. My credit score is between 709-726 as a retiree. I should be able to access all forms of credit cards and loan products, but XXXX XXXX actions and the Banking Industry are purposefully negating my applications. I would like your agency to investigate the situation and have XXXX remove the outdated credit card accounts, look into the response Bank of America provided when they denied my credit card application which gets reported to the credit agencies and placed on my report for 25 months making me ineligible for a employment, new applications, loans. This actions cripples a persons ability to support themselves. I would also like the CFPB to ensure that XXXX and Bank of America takes the necessary steps to submit information to correct it. A consumer can not ask or receive an appeal in the mail for a Credit Card Application  when the Banking Institution is wrong. When the action is inappropriate and negates a Consumer 's credit rating and is allowed to remain on the report for 25 months-its gives other lenders the ability to also discriminate. I'm asking for your assistance. 


Bank of America Ref, Number XXXX letter dated XX/XX/XXXX XXXX XXXX ( Former XXXX XXXX EMPLOYEE )
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

On Thursday, XX/XX/19, I received a note in my door to call a telephone number within 24 hours re : needing to be served legal documents. 
I called the number and left 4 voice mail messages. When the process server responded, he was rude - we set up a time for today at XXXX XXXX here at my house for me to receive said papers. It's now XXXX XXXX   and this person has not showed up. I left another voice mail message to schedule a time to meet at our local police department tomorrow between XXXX XXXX  and XXXX XXXX. 
I XXXX what this could possibly be for as I know of no unpaid debts. 
This directed me to review my credit report, which I did. There is one unknown company, LVNV funding. This could be the only possible source. 
Because of reading how this company operates, I'm concerned this is a scam - hoping I will not dispute whatever this may be and they will simply be able to enter a judgement to garnish wages. 
We have the ring, which showed this person, when they did leave the note in our door, did not knock nor ring our door bell. They simply placed a note in our door.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2021-12-29
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: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-09-20
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. (ME)

Used the company XXXX to purchase a vehicle. Recently obtained my credit report and there are numerous numerous inquiries on my report that I did not authorize from them. I used the pre qualify tool and when I wanted to obtain financing on the ONE date it was provided through XXXX XXXX. I have attempted to contact shift directly numerous times and I can never get through to speak with someone to address this and delete these inquiries. I spoke with credit bureaus and they told me to reach out to shift for deletion. The dates include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was improper use of my credit information I would never have authorized them to pull my credit file this many times until the actual purchase of my vehicle. I feel like this is false advertising!
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On or about XX/XX/XXXX or XX/XX/XXXX I called Kohls to discussed a closed account and possible getting a settlement offer with the ability to make monthly payments. The agent that I spoke to was able to provide me with a settled offer of {$190.00} making 6 monthly payments of {$32.00} which I accepted as it was what I could afford. The amount of the acct was {$380.00}. The agent then advise me that I would need to make a payment of {$32.00} by XX/XX/XXXX which I did. I even asked him if I could make the payment in the store that Friday evening which he advise he is not certain but I can try. I then tried but the acct was not in store so I ended up sending a money order. On XX/XX/XXXX I got a email advising that my account was changed so I was confused as to what was happening so I called the number provided in the email only for the agent to tell me that I settled for {$230.00} and would only be allowed to make 2 separate payments. I then told her that I already set up arrangement on this account only for her to tell me that they have no notes of this ever happening and that I did not call to do so and I will have to pay the {$230.00} no matter what. Is this even legal to go back on your word and if your calls are even being recorded why would this changed with no explanation of why and then make it looks like I am lying and did not make contact with the office? I then asked to speak with a supervisor and at this point was transfer to some collection agency called XXXX XXXX apparently after they saw my settlement with the agent they went ahead and wrote it off and send it to the collection agency which this is not fair or even ethically right. the account was transferred almost a whole 10 days later. I know these calls are recorded can we have them listen to the calls as I know I spoke to someone at the Kohls office. I never had any interaction with this XXXX XXXX office until XX/XX/XXXX so of course when they look into their notes they would not see any communication. I was asked to send a letter requesting investigation but how can I send a request to investigate when I did not spoke to anyone in XXXX until XX/XX/XXXX? I am writing this as I need help in resolving this with Kohls. it is not fair to offer something and then said whoops sorry you have to deal with the collection agency as our offer apparently is not valid or we did not record it so it is not considered legal. I don't know what you can do but any help is appreciated.
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 — Account status incorrect
Company: The Outsource Group, Inc (VA)

The bill was not paid because the bill was not filed with the insurance company in a timely manner so they denied the claim.The insurance company sent a letter to me and them explaining i was not at fault for the non payment, however Medicredit refuses to remove as there company policy is and i quote " we do not remove any collection once we submit it ''. I have made calls at least XXXX times with the same statement repeated to me. When asked for a supervisor they never have one available and the reps say they will have them call within 24 hours. I have never gotten a call back in 24 hours so i call them back and we go thru the same cycle all over again. I have sent Medicredit the letter from the insurance company, as well as, XXXX and the medical company that submitted the claim. None of which as helped. The account shows a ZERO balance. And is no longer in collections. But they refuse to remove the collection off.
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion 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.