davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint to request your assistance in resolving a matter concerning inaccurate and potentially damaging accounts being reported on my credit report by Experian. Despite my attempts to resolve this directly with Experian, they have failed to remove the inaccurate accounts from my file. 

Below is a list of accounts that are inaccurate or unverifiable : XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed, {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$150.00} written off XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Charged Off, {$1000.00} written off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$380.00} written off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Status : Paid, Closed XXXX XXXX Date Opened XXXX XX/XX/XXXX Status : Charged Off, {$120.00} past due XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$32.00} written off SELF / XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed, {$690.00} written off XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection, {$110.00} past XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection, {$370.00} past due XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection, {$600.00} past due XXXX XXXX XXXX XXXX : XX/XX/XXXX Status : Paid in Settlement Legal Violations : Uniform Commercial Code ( UCC ) XXXX and XXXX ( b ) ( XXXX ) : These accounts have not been properly validated, nor has any original wet-ink signature contract been provided. Without these, the accounts are considered legally unverifiable and inaccurate. 

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) : Experian has failed to ensure the accuracy of the information on my credit report and has not provided verifiable proof that these accounts belong to me. 

Estoppel Law : Continuing to report these accounts after acknowledging the inaccuracy is a legal violation under estoppel. I request that these accounts be removed immediately to prevent further harm.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MA)

On XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX stating I had an outstanding debt to XXXX for {$310.00}. I was shocked by this as I no longer had XXXX and had terminated my services 6 months prior, nor did I ever receive a bill from XXXX stating that I had an outstanding balance prior to receiving the collections notice. I called the collections agency and immediately paid the debt in full on XX/XX/2020. A month later, onXX/XX/2020 I get a all from a collection agency in XXXX mass ( ph : XXXX ) attempting to collect the same debt. I told them I paid this debt and was prompted to go online and provide proof. I did so. I provided them with Acct #, Credit agency, confirmation number of payment and my actual bank statement providing them proof of payment. On XX/XX/XXXX I was speaking to my mortgage lender about making an offer on a home i was attempting to purchase and he tells me that there was a new debt collection account on my credit as of XX/XX/20 that was now blocking my eligibility for a particular mortgage program that would significantly lower my mortgage and interest rate. To my surprise once again it was the SAME XXXX  debt I paid in full back on XX/XX/XXXX. I called the collection agency and they stated that they sent all the proof to XXXX of my payment to the other debt collector ( XXXX XXXX XXXX ) and that XXXX never retracted or cleared the debt so they reported it to the credit bureaus even though they had the proof I paid it. I then spent the next 5 hours on the phone with XXXX who gave me the complete run around. No clear answers, and no resolve. This is in clear violation of Fair Credit Reporting Act Rights. I conferenced in both collections agencies and XXXX on a call and both agree XXXX needs to simply tell the second collections agency that the debt is no longer owed and to clear it from credit accounts and reporting to the credit bureaus. Then I am was transferred around again and for some odd reason there are zero supervisors to assist. This is having a major impact on my life. After much stress, work, and searching, and sacrificing, I may lose the home I have worked so hard to get for my family over {$310.00} debt that was paid. This is outrageous and I most certainly will be filing a lawsuit if this is the case.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-02
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. (WA)

XXXX  XXXX XXXX XXXX sold or sent the loan to XXXX XXXX XXXX. I was working with XXXX  XXXX XXXX company to consolidate my loans. I spoke with one of XXXX loan officers to let them know I was consolidating my loans. They tried to get me to consolidate with their company and I declined. They told me my loan was going to be charged off as default. I said Im working with a loan servicer now. I was told if I made a payment it would keep the loan from default until it was consolidated. So I made a payment. My loan was paid off by XXXX  XXXX and consolidated but the XXXX still reported my loan as a negative and charge off. I have sent in disputes and tried to reach them but they havent corrected my credit report.
Consumer complaint received 2020-07-02
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: EQUIFAX, INC. (KS)

I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, XXXX, Equifax via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from Equifax. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
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. (IA)

I paid in full my collection to XXXX XXXX for a total of {$160.00} on XXXX XXXX, 2020. It was still showing delinquent on my TransUnion credit report, so I disputed it. They said it was not removed and the balance had only changed. This account was paid in full and should be removed from my credit.
Consumer complaint received 2020-07-02
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. (IA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-02
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)

I paid a collection and I submitted the paid letter from the car company but they said they cant change the balance to show {$0.00}. This needs to be corrected. Thank you.
Consumer complaint received 2022-07-04
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. (TN)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (OH)

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX -XXXX  XXXX XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX  # XXXX
Consumer complaint received 2024-11-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I ordered an item that was never delivered by XXXX  to my home. Instead it was delivered to another home, which is evidenced by the signature provided on the proof of delivery. I have explained this over and over to Macys and to no avail, Im still being charged {$250.00} for XXXX XXXX that I have never received. Myself and my husband both work at XXXX XXXX and were not home at the time of the supposed deliver, we also have a XXXX camera, which shows no one delivered anything to our home. I also reached out to the vendor that delivered the package several times through the Macys app and through email. Still no response. Highly disappointed in Macys and how they treat their customers. Its highway robbery to hardworking people.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Fair Collection & Outsourcing ( XXXX XXXX XXXX XXXX XXXX ) for committing identity theft. I have never given Fair Collection & Outsourcing any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Fair Collection & Outsourcing before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Fair Collection & Outsourcing can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am demanding a cease and desist of all illegal activity and any communication of this and any alleged debts until Fair Collection & Outsourcing can provide me with sufficient documentary evidence that I have/had any legal obligation to pay them. If this documentary evidence can not be produced and Fair Collection & Outsourcing continues its collection efforts ( Reporting to Consumer Reporting Agencies ), I will file for litigation for actual damages caused and Fair Collection & Outsourcing will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Purchased some crypto currency using an address from my coinbase wallet. Horrible customer service. Still trying to get a useful response from coinbase after 25 days of repeated attempts. Case # XXXX I am not alone with this problem 100 of people accross the USA and around the world have fallen victims of this fraudulent company which has its head office in XXXX  XXXX XXXX. 
Here are some of the key players at Coinbase you can contact : XXXX XXXX CEO XXXX XXXX COO XXXX XXXX Head of Engineering Will Conder Recruitment XXXX XXXX Global head of belonging Inclusion and experience XXXX XXXX Director of Product management