davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX  This is a charge off account and the balance should be {$0.00} and why is it showing {$490.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$2000.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$330.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party XXXX.The 3 Credit Bureaus is reporting inaccurate information on KAY JEWELERS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National credit system at XXXX. XXXX XXXXXXXX XXXX, GA XXXX has been sending me collection notices in the amount of {$620.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

I truly feel like a ping pong ball at this point I sent a letter to Amerifinancial certified receipt ( XXXX the ending of XXXX I never received a response. I later discovered the wrong address was listed on XXXX  website so I filed a complaint with cfpb please reference complaint # XXXX. Amerifinancial told you guys that they couldnt locate my account. Why is it still reporting. I know you guys are busy be aid me in making this company validate the debt please I cant afford to keep sending mail certified this account has already been removed from XXXX  and XXXX  only XXXX  is reporting this Im asking for validation of this medical debt that I have declared numberous times doesnt belong to me! Sorry if I should disrespectful Im just frustrated please help.
Consumer complaint received 2022-03-30
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. (NJ)

Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF INQUIRIES : 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 XXXX XX/XX/XXXX According to FCRA ( XXXX ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C Section 604 A Section A : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-25
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-09-02
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (VA)

XXXX was paying a company to call me everyday and I was being spammed. I signed fafsa forms against my parents will and they continued to call. 

Reference Number : XXXX Total Due : {$4300.00} Settlement Offer Amount : {$2600.00} Dear Friend, XXXX XXXX, Settlement Offer XXXX XXXX University will forgive 40 % of your balance! 

Welcome to our emailing service! We received your email address from XXXX  XXXX University. The account listed above has been in a delinquent status for an extended period of time and remains unresolved. 

We have an offer to resolve your unpaid balance with XXXX XXXX University. We are willing to settle your account for 60 % of the Total Due stated above which equals {$2600.00}. 

It is understandable that you may not be able to take advantage of this opportunity at this time. We are willing to work with you on a payment plan that meets your current financial situation. You are encouraged to contact our office at the number listed below so we can assist in putting this matter behind you. 

If you would like to make a payment on your account we have many convenient ways to pay : Pay Online : Click on the button below to access our payment portal and use your reference number to log in.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There have been unauthorized inquiries made on my report under my social security number and I need the removed based off the fair credit reporting act I have the right to have them removed. 

XXXX Personal Loan Companies XX/XX/XXXX XXXX  XXXX XXXX  Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous Sporting Goods XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX  Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion
Consumer complaint received 2024-10-27
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. (GA)

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in viola<on of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge O : XX/XX/year> Amount : {$170.00} Under the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my report. 

I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. 
Please provide me with a written explanation of the results of your re- investigation and action taken to rectify the inaccuracies. 

I expect a prompt response within the required 30-day timeframe as mandated by law. Failure to comply with the Fair Credit Reporting Act may result in further action being taken. 

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of the inaccurate account information from my credit report. 
Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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. (AR)

I would like to state that XXXX, Experian, and XXXX is in direct violation of 15 U.S Code 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX, Experian, or XXXX written consent to report anything on my consumer credit report or to create a report on my behalf. No consent is identity theft. Pursuant of 15 U.S Code 16819 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, Experian, and XXXX to furnish these inaccuracies on my consumer credit report XXXX cause me to lose confidence in the banking system. If XXXX, Experian, and XXXX wants to continue doing business with me, they should delete these inaccuracies off my consumer report immediately.
Consumer complaint received 2021-09-02
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. (NC)

I have a balance of XXXX with XXXX XXXX but its reflecting on my report a balance that is incorrect I have proof it is incorrect and have asked the bureaus to remove these collections from my credit report immediately there was a mix up between me and my son name and the small details of sr and jr been confused in certain circumstances I ask the bureau to please correct and remove this negative account
Consumer complaint received 2022-07-05
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND CREDIT would verify the debt. So I took it upon myself to ask MIDLAND CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-01-08
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. (PA)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-08-23
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. (CA)

Equifax continues to show that I have a balance of over {$18000.00} on a XXXX XXXXXXXX Credit card. This card has been paid off for a few weeks now, yet continues to show on my report. Please remove and update so my credit score can be updated please.
Consumer complaint received 2022-08-12
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. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) he 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners (NJ)

This company has called me repeatedly using a phone number very similar to those that I frequent ( much like other scam callers ) so I had been ignoring the calls I received on Tuesday XX/XX/XXXX at XXXX and Wednesday XX/XX/XXXX at XXXX XXXX. Today, however, I recognized that the entire number was the same as the past two days and not just the area code and next three numbers. I answered and they inquired if my father was available, who is not registered to nor associated with my mobile number, so I asked who was calling. The woman told me she was calling from Affiliate Asset Solutions and again asked if my father was available or if I knew him. I asked her what this was regarding, and she said it was regarding " a business call, '' and once again asked if he was available. I asked her to repeat where it was she was calling from so that I could search it while we spoke and asked again what the call was in regards to, which she instead just replied with the question as to whether my father was available or if I knew him. I repeated my question of what is this call in regards to and by then saw on XXXX they were a debt collection agency. She repeated that it was " a business call '' and said she could not give me further information but still wanted to know if I had any connection to my father, to which I replied that I can't give her any additional information if she can't even tell me what the call is in regards to. She was about to start some script about it being a " business offer '' so I cut her off and let her know I'm aware that she's calling from a debt collection agency, that this number is not registered with the person they're trying to reach yet they've been calling me all week, and my number is also on the federal do not call list so this is collection harassment. I understand debt collectors are permitted to contact you, but after reading through my rights, it does not say anywhere that they can legally contact you and harass you on behalf of a relative 's debt.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Comenity Bank has been repeatedly calling me while I am at work. I have asked them to stop calling me as I have talked with someone about the collection, but they have been continuously calling me at work. This is harassment and is interfering with my job performance and livelihood.
Consumer complaint received 2022-08-23
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. (NY)

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/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}