davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the XXXX XXXX placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the XXXX XXXX, Experian, XXXX  and XXXX and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of XXXX  XXXX, Experian and XXXX  as XXXX  has " DELETED/BLOCKED '' the account as required BY LAW. 

XXXX XXXX will be held labile for damages for Breach of Duty, Breach of Duty cause for injure and loss!

Experian and XXXX  will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX  for XXXX XXXX dollars  for this " negligence ''!
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc. (PA)

Dear XXXX XXXX I am responding to previous CFPB complaint XXXX, Allied Account services , Inc stated that the account was assigned for collections by the creditor of record, XXXX XXXX .I did not consent to have my non public personal information to be shared with any other company/agency/entity regarding the account that I had with XXXX XXXX I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information, As of today XX/XX/2022, I no longer give your company, its partners, and affiliates knowingly and unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have my personal information. I am a consumer and consumers have a right to privacy. Privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy you company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an " assignment of accounts '', chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only, which is what your company ( a debt collection agency ) is doing by demanding I owe an alleged debt, you were prohibited to take this account in the first place, but you decided to buy this alleged debt anyways. Therefore I am demand your company, its partners, and affiliates to have this account deleted from any CRAs you reported it to, for infringing my right of privacy within 10 business days and I prohibit your company from transferring this account to another debt collector. I am giving your company 30 days to update my request, cease furnishing my private information and cease and deist all communication unless it pertains to resolving this matter. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C. 1692e ( 3 ) which states '' The false representation or implication that any individual is an attorney or taht any communication is from any attorney.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. 

Attached highlighted in yellow is inaccurate information on my credit report
Consumer complaint received 2020-11-20
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)

Experian and XXXX  has a dismissed bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accuraste. I would like to exercise my ights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... Experian rep and I call experian on a conference call and they confirmed it was not there..on XX/XX/2020 experian removed the bankruptcy then on the XXXX put it back on my report without prior notice which is violation of the FCRA in which they have to notify me with in five days in writing of the reinsertion. I respectfully ask that you investigate they actions and have them follow proper protcol and remove this dismissed bankruptcy from my report
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Complaint # XXXX previously submitted is NOT closed or solved. Please reopen this case. THIS CASE IS STILL NOT RESOLVED. 

There is still major problems going on with my loan closing and I am still being reported as having a delinquent account as well as my payment being returned to me, again. This is the the third payment that has been returned to me and there is no resolution or access to my account online as of today. Documents are signed and notarized. XXXX has been closed. This bank has us financially XXXX. We still can not obtain a loan for XXXX XXXX XXXX plans this year and we still can not get a loan on a car that we need badly due to the fact that this bank has reported us over and over for nearly a year as delinquent. All Citizens bank parties are confused and never give me the same information. No one seems to understand why my loan is not allowing me to make payments or that I still have delinquent reporting. It seems almost as if there are XXXX loans in my name. PLEASE REOPEN THIS CASE. It is not over.
Consumer complaint received 2022-07-30
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. (AL)

I called the 3 Credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX and XXXX XXXX om XX/XX/XXXX. After receiving a copy of my report, I saw the UNVERIFIABLE item on my personal profile, I noticed that there was erroneous item on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account will be updated. 

XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX Balance {$5700.00}
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (PA)

On XXXX XXXX I discovered my PA Eppicard had been compromised. I reached out to Eppicard and its been horrible dealing with the representative at this company. Im on hold for hours and hours, hung up on and giving conflicting information. Ive submitted in all necessary documents within the requested timeframe and have not been given a provisional credit. XXXX XX/XX/2020 I call in concerning another issue and the representative mentions that there has been no decision made on the provisional credit by the investigator. I advise the representative thats not my reason for the call however since he mentioned I asked how long does the investigator have to decide on if a provisional credit will be issued. The representative explained there is no time frame. I asked to speak to a supervisor because that is not what was explained to me by a level 3 supervisor on XX/XX/2020. She explained that they had until end of business on XXXX XXXX to give a provisional credit. I need to have this resolved. I need to be given correct answers. Per Regulation E, I thought banks had 10 business days to issue a provisional credit. I asked to speak to a supervisor on XXXX XXXX and was transferred to a supervisor by the name of XXXX. Somehow while speaking to XXXX her call disconnected and even though the company has all my contact information there was no return call from XXXX.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have never done with this debt collector, nor do I owe them any balance. I have never been in agreement to work with them. I have requested for this debt to be validated multiple times. When I submit a request, the company retaliates by adding derogatory comments or marks on my credit bring my score down lower. They have even deducted {$1.00} from the balance. There are various inaccuracies regarding dates across all XXXX bureaus. I am requesting evidence in the form of a signed agreement with this company.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am trying to close my HSBC checking and saving accounts because I do not want to be migrated to XXXX XXXX. Unfortunately there is no way to contact HSBC. I have been on hold with hold with all three available options ( phone, chat and apple messages ) for an hour now. I strongly suspect that they have shut down communication to avoid mass exodus of accounts in order to boost their sale numbers to XXXX.
Consumer complaint received 2020-11-21
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: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Unsecured Balance - Date Opened XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/2020. 
Account Type Unsecured Balance {$240.00} Date Opened XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/2020. 
Account Type Unsecured Balance {$240.00} Date Opened
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and suedXXXX XXXX XXXX XXXX XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts
Consumer complaint received 2021-03-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridgecrest Acceptance Corporation (NM)

I had a loan with Bridgecrest Financial for the purchase of a used vehicle through XXXX XXXX, the purchase date was XX/XX/2021. On XX/XX/2021, I paid {$13000.00} to Bridgecrest towards my loan. Later when I checked my account, I found the amount to have gone towards the loan payments instead of the principal, so I called them. During the the call I was advised that the {$13000.00} payment I made would not reduce my {$330.00} loan payments and I would need to call in every time I wanted a payment to be applied to the principal of the loan. These two points I found to be unacceptable and decided to pay off my loan. When looking for a payoff quote I found the interest over the life of the loan was not being adjusted. I called Bridgecrest again to discuss my dissatisfaction with now three different point of my loan, but got no satisfaction. I had emailed them twice with no response, voicing my concerns and frustration. During the phone call I was informed that the payoff quote would stand and if Bridgecrest saw fit, they might pay interest that wasn't owed. My due date for my first payment was XX/XX/XXXX & I paid the remaining {$8700.00} XX/XX/2021. To date I have not received my title or any of the {$3300.00} interest that had been applied to the life of the loan.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX you threaten to sue me for Collection of {$270.00} of a Debt of a XXXX account. Under the Fair Credit Act and Fair Credit Reporting Act this is wrongfully and Deceptive. XXXX XXXX Associates you owe me not less than {$25000.00}. As asked before from you send me the chain of custody of the XXXX account, along with address and phone number of XXXX Account and the one month term contract your still reporting on my credit report Also send XXXX XXXX XXXX XXXX license number to collect a debt in Michigan. The State of Michigan shows no license for XXXX XXXX XXXX to operate in Michigan. 
XXXX XXXX XXXX XXXX your Fake XXXX Account still appears on my credit report and decreased my XXXX XXXX twice for the recent validation of your Fake XXXX account. I am sending XXXX XXXX XXXX XXXX a letter from XXXXXXXX XXXX stating that they do not own the debt, not reporting the debt and account was sold. XXXX XXXX XXXX XXXX also tell me were did you get my name and identity from to support your Fake XXXX account that damaged my credit.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX XXXX, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have contacted the 3 credit bureaus as well as XXXX XXXX XXXX  to investigate this account for accurate reporting as well as to verify and validate this account. I at one point had an account with them but i never owed them the amount that they state {$1400.00} ... ..im so confused because when i look at the report i see so much difference in the reporting between the 3 bureaus for example thhe high credit limits are different in all 3 bureaus ... .how can this be charged off and still have a credit limit? the comments are all different, date of last active and date of last payments are all different. look at the 2 year payment history on the bottom on what i attached..its different on all 3 ... .my question is how have all 4 of these companies investigated, verified, and validated this debt when the reporting is all over the place ... they did not conduct a full an honest investigation is what i believe and this is affecting my ability to purchase a house.
Consumer complaint received 2022-12-15
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : ( XXXX ) XXXX Acct # XXXX Balance {$5200.00} status : open Date XXXX Balance update : XX/XX/2022 I have disputed this account several times to all 3 bureaus. XXXX deleted the account on XX/XX/2022 and now it has returned to my credit report. I have never heard of this company. Nor have I signed any financial agreements for education from this company.
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc. (MO)

I received a letter from RS Clark & Associates, Inc on XX/XX/2020 stating that I owed an alleged amount of {$69.00}, I immediately responded on XX/XX/2020, asking them to verify the alleged debt as I did not recognize nor owe it. I never received a reply back, but immediately this collection was put on all three credit bureau reporting agencies, XXXX, XXXX  and XXXX, since XX/XX/2020 Ive sent two other letters demanding verification and validation of the alleged debt and have not received it, I have requested that they immediately remove the negative collection from my credit bureau reports which they have not done either. They have violated so many consumer protection laws that they should be closed by the attorney general of Missouri as well as Texas.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MA)

I have a Citi Bank credit card account for over 14 years one of my oldest accounts, that has stopped reporting to credit bureaus which have affected my credit score and credit history, especially now that I was looking to get a new mortgage.

How can you help?

I have talked to Citibank much time, they told me they have email credit bureaus with my account information, but is still not showing in my credit reports. 

Thanks, XXXX XXXX XXXX XXXX Here is my account Information : Member Since XX/XX/XXXXAccount number ending in : XXXX Billing Period:XX/XX/XXXX-XX/XX/XXXXRevolving Credit limit {$20000.00} Available Revolving credit {$20000.00} Account number ending in XXXX TTY-hearing-impaired services only XXXX XXXX   XXXX XXXX XXXX, SD XXXX Includes {$1100.00} cash advance limit
Consumer complaint received 2020-10-09
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. (OH)

This is not my account XXXX  XXXX  XXXX  XXXX  # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My rights have been violated in relation to an account on my credit report. I reached out to TransUnion and requested that inaccurate information be deleted off of my credit report. TransUnion states that an investigation was done ; however errors and inaccuracies still exist on the report. The dates of last activity are not consistent among the XXXX reporting Credit Bureaus. Furthermore, my payment history is still not accurate. It is still showing a late payment and the XXXX reporting Credit Bureaus do not show the same payment history. How can validated information vary among the Bureaus? 

I have attached the investigative results and a copy of my credit report with the errors highlighted in yellow.

15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted and all negative information removed. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I opened a XXXX XXXX credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XXXX of XXXX. This was due to bank processing errors. I submitted a letter to XXXX XXXX from the bank confirming this and they have not removed these late payments from my account.