davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (SD)

XX/XX/XXXX I filed a fraud complaint with Amex on my bluebird card ending in XXXX. There was a charge from XXXX XXXX XXXX for XXXX I didn't authorize this transaction. It is a scam preying on Amex cardholders. There is no such club. They said their investigation could take up to 45 days, time is up. I ve tried calling several times including a couple times waiting 1 hour or more, to be disconnected without anyone answering. I realize they don't care about their customers since most cardholders can't get an active checking account. I am not one of those people, I just use it to get my check faster. Had to pay XXXX  to have my card XXXX XXXX after not getting the new one after 2 weeks. The customer service was the worst ever.
Consumer complaint received 2022-03-07
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. (UT)

Equifax Information Services, LLC is in violation of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax Information Services , LLC. 
1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 
2. Equifax Information Services, LLC chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 
3. Equifax Information Services, LLC has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. 

These are just stall tactics. I am being continuously damaged by Equifax Information Services , LLC and their violations of the Fair Credit Reporting Act. 

They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (CA)

I have been using XXXX XXXX XXXX XXXXXXXX XXXX for my renting room in XXXX, XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The company has sent all the statements through paper and email notification. I moved to XXXX  in early XX/XX/XXXX, and I have transferred the entire utility account to another tenant on XX/XX/XXXX, the account has been closed at same time. I also contacted XXXXXXXX XXXX  XXXX customer service multiple times on XX/XX/XXXX, and all the reps said I have no outstanding balance, and non of them asked me to update my new billing address even I mentioned for moving out. Since I always used online service for make payment and check billing statements, I went back to XXXX without any concerns on my closed utility account. 
Until yesterday night, I've received a credit alert from XXXX XXXX bank, indicated there's a XXXX points decreased from XXXX, and I saw XXXX XXXX XXXX and collection company 's name on my XXXX credit report. I spent couple of hours to contact XXXXXXXX XXXX XXXX and collection company about that last statement which is only {$100.00} dollars. I was so frustrated and helpless after I saw XXXX points dropped on my credit report, and XXXX XXXX XXXX refused to admit this is an error.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (NJ)

1. I've have requested that Experian delete XXXX XXXX from the consumer file concerning me 2 times ( XX/XX/2022 and XX/XX/2022 ) and requested full 609 disclosure of my consumer file each time. Experian in is violation of the Fair Credit Reporting Act. I provided them with a copy of my ID and a utility bill and they have ignored me twice. I even notified Experian through their registered agent in New Jersey, so they can not say they did not receive my request and dispute. 
2. Experian has never responded to my dispute letters or even noted this account as being disputed. 
3. Experian was supposed to send me the full 609 disclosure of everything in my consumer file within 15 days of my 609 request and they have failed or refused to do it. I requested written copies. 
4. XXXX XXXX is not even a legal entity in Nevada or New Jersey. I have submitted proof of this with my dispute letters and Experian still refuses to delete this inaccurate in tradeline from my consumer file and consumer reports. I am including the same proof with this complaint. 

Failure of an entity to be registered to do business in my state or the state they are supposedly organized in is a violation of my rights and prevents me from being able to bring suit against them. I am being damaged by Experian allowing this inaccurate account that is not 100 % accurate to be in my consumer file or my consumer reports. Experian is required by law to ensure maximum possible accuracy which is 100 %.
Consumer complaint received 2022-03-07
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. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-07
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. (NJ)

I have tried many times to get these Account of my credit report. i have submitted the correct information please help XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-07
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. (AZ)

TRANSUNION is violating my rights under the FCRA. Pursuant to the FCRA I am to be given a free credit report upon demand. As you can see, TRANSUNION denied me access to my credit report, violating my federally protected rights.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

new accounts, but nevertheless they tell me to contact you because the research still appears in my system and I did not go! I ask for help and assistance removing any inquiry of the XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-03-08
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. (CA)

Trans Union is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Trans Union ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Trans Union refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Trans Union refused to delete information that I provided proof of inaccuracy, I sent evidence from the California Secretary of State showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Trans Union has information that I am not privy to that refutes my disputes. Trans Union can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Trans Union conspiring against me with entities that are elusive to me? It appears that Trans Union has some vested interest in continuing to damage me. 

Trans Union has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Trans Union 's registered agent in California, so they can not say that they did not receive it. I also gave them a copy of my ID card. 

I have also requested that Trans Union delete addresses that do not belong to me. I can not and do not receive any important and/or legal mail at any address other than what I've provided to them. I demand that any and all other addresses immediately be deleted as I've been requesting. They do not have my permission to have any other address associated with me. This will expose me to identity theft attacks. 

I demand deletion of the information listed below. Trans Union can't possibly send my dispute to a company that does not exist and they have never provided me the address of the entity. Therefore, no further investigation is necessary. DELETE the accounts instead of continuing to harass me, defame my character, and damage me.
Consumer complaint received 2022-03-07
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, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX : XXXX -- -> : {$1300.00} DEPT OF ED/XXXX : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX  : XXXX -- -> {$3900.00} DEPT OF ED/XXXX XXXX XXXX -- -> {$3700.00}
Consumer complaint received 2022-03-07
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. (KY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Caddis Funding, LLC (FL)

This is my 3rd time filing a FCPB complaint about this and this is criminal at this point. The 2 previous complaints are numbers XXXX and XXXX. 

So basically they are illegally trying to collect on a debt that is passed the statue of limitations and are FALSELY stating the amount owed. The court judgment they tried using before is long expired and was never renewed so it is passed the statue of limitations. 

So please stop telling lies that this debt is owed, enforceable or collectable. Everything you have provided so far has been passed the statues of limitations so explain yourselves?
Consumer complaint received 2022-03-07
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-07
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. (CA)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (NV)

Experian has been notified that XXXX XXXX is not my account I have contacted them and the company to let them know its not me this is the second time the same debt that is not mine is showing up on my record.
Consumer complaint received 2022-03-07
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. (CA)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-07
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. (MS)

I have a paid subscription through Transunion to have access to my credit report and credit score for {$24.00} a month. 

I have been unsuccessfully able to access my credit through the paid for Transunion website and the free XXXX website. 

When I try to login on the Transunion website, it keeps saying my credentials are invalid. When I try to reset my password, it keeps looping over and over to the same login page even after I enter my social security number and name. 

I have called on numerous occasions to Transunion. The customer service representative tells me that some one will call me back and I never hear anything. 

Meanwhile, TransUnion has taken at least {$300.00} in the past year, possibly longer, and I have no access to my TransUnion credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting 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. (GA)

Please remove these inquires from my credit report. There are four inquires that needs to be removed. 

XXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an an investigation on my report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-05-30
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. (FL)

I went to buy a car and Left my wallet at the dealership and came back and got it from lost and found, to my surprise when i checked my credit i saw all of these Fraudulent inquiries on my credit.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This collection company called LVNV Funding that is located on C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX continues to harass me about debts that i do not owe or have any clue what they are. I have Personally never seen a contract from them between my self and them proving that i owe them anything. LVNV Funding is reporting an alleged debt on my consumer report XXXX, XXXX that i have never seen before. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. XXXX XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c. 

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly