davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : 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 I XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX OHIO XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

To CFPB, I have a public record on my file for the last 7 years, that is not mine. I have tried disputing with the Experian and XXXX  multiple times. 

The weird part is, I called the bankruptcy court myself today and they told me they do not share or communicate any information with these credit bearus at any time. Not even XXXX XXXX a thirds party company. 

The only credit bearu that has deleted this bankruptcy off my credit is XXXX. They are following the FCRA as for Experian and XXXX they are breaking the law of inaccurate and unfair reporting. 

This letter serves as record I have done my part to communicate with them but they dont want to correct it.
Consumer complaint received 2022-08-01
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. (IL)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-22
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-12-10
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: Fidelity National Information Services, Inc. (FNIS) (FL)

On XX/XX/XXXX, I attempted to cash a check at XXXX XXXX, but it was denied and I was given a print out advising to call XXXX for more information. On XX/XX/XXXX, I called XXXX and requested a XXXX XXXX XXXX Report. Upon receiving the report, I observed on XX/XX/XXXX, check # XXXX for {$350.00} written to XXXX XXXX was never paid, reporting source is Complete Payment Recovery Services with contact information ( XXXX ) XXXX. On XX/XX/XXXX, I called Complete Payment Recovery Services and spoke to Representative, XXXX XXXX, which advised their company no longer holds that debt, and that I should notify XXXX Stores customer service ( XXXX ) XXXX. At that time, I notified XXXX Payment Solutions at XXXX XXXX XXXX XXXX to enter a dispute for nonpayment of check # XXXX for {$350.00} at XXXX XXXX. On XX/XX/XXXX, I spoke to a representative at XXXX XXXX customer service which advised check # XXXX for {$350.00} is, currently, an outstanding debt and that i need to make contact with XXXX XXXX XXXX to make a payment. On XX/XX/XXXX, I made contact with XXXX XXXX XXXX, spoke to Representative XXXX XXXX, and made a credit card payment of {$400.00} with a processing fee, included, confirmation # XXXX. In addition, knowing in my gut that I had already paid this debt, I notified my financial institution on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Representative, XXXX, advised check # XXXX for {$350.00} was paid on XX/XX/XXXX via draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to Accounting Representative, XXXX XXXX, to advise him of this information and he advised me to email Accounting Supervisor, XXXX XXXX at XXXX with the proof of payment. On XX/XX/XXXX, I emailed XXXX XXXX the portion of my XXXX bank statement that represents the payment of {$350.00} on XX/XX/XXXX and a copy of the canceled draft check from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Mr. XXXX, advised via email that a refund is being sent to me by mail. 
Please take the time to investigate this matter. This is an attempt to erase a paid debt. I am looking forward to hearing from you. 
Thank you, In advance.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a formal written request to all 3 credit bureaus ( XXXX TransUnion and XXXX ) on/around XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 7 months from my written request I still have not received any responses.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX I paid off a collection XXXX XXXX XXXX  in the amount of {$330.00}. They agreed to report to all 3 major credit bureaus that the account was " paid as agreed '' and to have to have it permanently removed from my credit report. So far the only bureau it has been deleted from is XXXX XXXX. Equifax and XXXX  it is still showing as UNPAID. I have called the collector and the amount was paid on XX/XX/XXXX. It's almost been a month and I would like to have this trade line permanently REMOVED from Equifax and XXXX. I have a attached 4 documents. ( 1 ) A photo copy front and back of check, ( 2 ) a screen shot of USPS proof that it was delivered, ( 3 ) a screen shot from Equifax showing it is STILL showing on my credit report, ( 4 ) and a screen shot from XXXX  showing it is STILL showing on my credit report. Thank You.
Consumer complaint received 2023-03-23
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: SANTANDER HOLDINGS USA, INC. (CT)

n accordance with the Fair Reporting act Santander acct # ending XXXX, SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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. This creditor has reported to XXXX XXXX and XXXX
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/20 regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet for all my disputes on incorrect items. I know this is not right, and I feel like my disputes are being put on a back burner. I am following up with the CFPB because I feel like I'm being taken advantage of. Section 611 ( a ) states that the credit bureaus ' failure to investigate all of my listed items within 30 days gives a reason to immediately remove those items from my credit report, but it has been over 70 days so they should be deleted promptly. I demand all of these accounts be deleted immediately or I WILL FILE FOR LITIGATION due to the stress and pain you have caused me. I also noticed that there are major errors on my report due to my information being impacted by the XXXX  data breach. It is obvious that people have been applying for things in my name. Not fun!
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (MD)

I defaulted with a credit card, XXXX  which is owed by XXXX XXXX. To pay off bad debt their collection agency XXXX XXXX contacted me. XXXX XXXX set up a payment arrangement for XXXX biweekly payments. 
In XX/XX/2020 my remaining balance was XXXX which I paid in full. 
XXXX XXXX sent me a confirmation of the payment and stated on-the receipt paid in full. 
XXXX XXXX stated the would contact XXXX XXXX  of the account. being paid in full. 
XXXX XXXX  states to date they never received payment from the collection agency XXXX XXXX. XXXX XXXX the collection agency state they notified XXXX XXXX  of payment. 
XXXX XXXX sent me a fax number to fax all documents to them but the fax does not work. I mailed information to them. 
I filed a dispute with XXXX  but their result stated the XXXX XXXX  reporting wad correct. Please help me get this paid account updated. 
The account shows on my credit bureaus account derogatory, charge off XXXX which has been paid in full.
Consumer complaint received 2022-05-13
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. (TX)

I feel that Experian did not do an investigation into my credit report and it is concernng. Experian was notified that there were some inaccurate accounts on my credit report that should be removed, but I have yet to see anything validated or deleted. I received an alert XX/XX/XXXX and XX/XX/XXXX that my account dispute was updated. Experian stated that the accounts in question met requirements of the FCRA but has yet to provide any documentation validating these accounts. The collection accounts are involved in litigation and should be removed immediately. I am asking for an investigation into the other closed accounts in question because I feel that Experian has not done their due diligence as far as providing documentation and any instrument bearing my signature. Closed accounts are reporting past due balances when they shouldn't be and the accounts in collections do not reflect the correct balance. Please validate the accounts or delete them from my credit report. I have attached the letters that were sent to Experian for reference. The XXXX collection accounts in litigation are XXXX XXXX XXXX and XXXX XXXX XXXX. I will be seeking damages for the inaccurate reporting.
Consumer complaint received 2020-12-15
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. (FL)

I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY Transunion allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one.

In addition, Annual credit report.com should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank you.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (KY)

Today, at XXXX XXXX I received an email from my bank that a new PIN for an unknown debit card number under my name was on its way. I tried calling my bank but when I enter my information, I realized somebody changed my PIN on my regular debit card ( not related to the last four digits that came in the email ) I could change my PIN trough my bank app, but when I called they advise me to get a new debit card. I am fearing that my identity is compromised. Something similar happened to my mother when she tried to buy in a grocery store she continuously gets an invalid message when she enters her PIN number, somebody changed it without her notice.
Consumer complaint received 2022-07-17
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)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2021-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was a victim of fraud on a credit card account I have worked with the company Capital One to get it resolved. I have recently seen a copy of my credit report and they marked a late payment on my credit during this time. This is not right or fair. Please help
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (KY)

My wife and I have been getting calls from XXXX  ( collection company for XXXX ) the calls started Monday say we owed a bill. They say the service was disconnected in XXXX of XXXX and that we owe a bill over XXXX. The service was discontinued in XXXX of XXXX and the equipment was returned in XXXX of XXXX. We moved the end of XXXX this year XXXX and have no bill associated with the company listed. We have several confirmation emails from XXXX saying the service was canceled late last year and a receipt from XXXX from where we mailed back the equipment. They have called at least 10-13 times ( 3-5 times a day ). They are rude, hateful and outright disrespectful. They have been told not to call again, we have emailed the company with proof. We are contacting a lawyer if this does not stop. 

Company phone number is XXXX
Consumer complaint received 2020-10-21
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. (PA)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2022-08-01
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. (NV)

The credit bureasus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also I have multiple collections on my report when The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. This grounds for removal they also violated my rights under 15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2023-03-23
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. (CA)

Consider this as a follow-up complaint to my previous complaint to remove these specific items : XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00} These items must be removed from my file for it is erroneous. The dispute items do not belong to me. Im attaching the required FTC Report for you