davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (FL)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX : {$16000.00}
Consumer complaint received 2022-01-09
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. (VA)

Due to the XXXX data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage Experian, XXXX and XXXX to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus. 

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have receipts of everything. FTC report reference number is # XXXX.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

earlier this year. The credit report from XXXX XXXX shows this alleged collection account was XXXX deleted from my credit file. Now, these items have been reinserted on my credit report. 



In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i5 ( b ) } Notice to Consumer If any information has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 



( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 



I received no such notification. furthermore, when this account was reinserted back into my credit report the Status Date remained the same from XX/XX/XXXX which does not make any sense at all. This is a serious violation of the FCRA, and I reserve the right to pursue further action. 

Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (VA)

I sent 3 letters approx. ( 50 ) days ago on XX/XX/2021, to all 3 bureaus about my credit report having so many unauthorized items on it. I have contacted XXXX, XXXX and Equifax in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX XXXXXXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the Equifax data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at XXXX, Equifax and XXXX do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all XXXX credit bureaus and faxed to Equifax. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # XXXX.
Consumer complaint received 2021-11-10
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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2022-07-15
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. (PA)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I was never late on these accounts. There are multiple errors shown in my report. Please check the last payment, the account number, etc. These are good standing accounts. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

as i was looking into my credit report ive noticed inaccurate information reporting on my credit report i did not open any credit or debt cards with any credit company i have never did any business with XXXXXXXX XXXX XXXX XXXX XXXXXXXX they have a account reporting on my credit for XXXX i did not do that and i will not pay for a account that was false created i ask of you to please have the credit breau to remove this item off my credit i will have to reslut in litagation with all 3 credit breaus and anyone who houses this information under the consumer law the law states under 15 usc 1681 and 15 usc1692g theses are abusive practices and deceptive langues i aske you please remove this debt XXXX XXXX XXXX XXXX portfolio recovery XXXXXXXX
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX : {$14.00} Approved and processed by company XX/XX/XXXX {$1.00} Approved but not processed by company XX/XX/XXXX : {$63.00} Declined and not approved by company XX/XX/XXXX : {$59.00} Approved and processed by company XX/XX/XXXX : {$1.00} approved and not processed by company XX/XX/XXXX : {$27.00} approved and processed by company XX/XX/XXXX : {$1.00} approved and not processed by company XX/XX/XXXX : {$27.00} declined and not approved by company XX/XX/XXXX : {$100.00} declined and not approved by company XX/XX/XXXX : XXXX declined and not approved by company XX/XX/XXXX : XXXX approved and processed by company XX/XX/XXXX : XXXX declined and not approved by company XX/XX/XXXX : {$100.00}, approved and processed by company Chase posted the above transactions into my account. All the above transactions and attempts were made by perpetrator on XX/XX/XXXX and XXXX, XXXX in XXXX in various stores. I or any of my family member did not make any of the above transactions. Chase declined 5 if 13 transactions made by perpetrator on XX/XX/XXXX and XXXX, XXXX. Chase approved and not processed 3 out of 13 transactions made by perpetrator for {$1.00}. Chase approved and processed 5 of 13 transactions. A phone call was received on my landline from Chase on XX/XX/XXXX regarding the fraud activity in my account. I immediately called Chase and informed that none of these transactions are performed by me or my family. Chase canceled my card and issued new cards. All the above transactions were placed under investigation. Received letter from Chase dated XX/XX/XXXX indicating that I am responsible for payment of following 5 transactions approved and processed by Chase XX/XX/XXXX : {$14.00} XX/XX/XXXX : {$59.00} XX/XX/XXXX : {$27.00} XX/XX/XXXX : {$27.00} XX/XX/XXXX : {$100.00} I called Chase on XX/XX/XXXX and disputed the above charges with a reason that I or my family member did not use the card or perform transaction using my card therefore should not be held responsible for above charges. Also, due to identity theft and unauthorized transactions performed by perpetrator should be investigated and the perpetrator should by brought to justice for performing all the above transactions and number of stores. A XXXX footage should be requested at the above stores to locate the perpetrator. I followed up with Chase with a Certified letter dated XX/XX/XXXX stating that none of the above transactions were performed or authorized by me or my family. I should not be held responsible to pay any of the above charges. Chase responded with a letter dated XX/XX/XXXX that I am responsible for the above 5 transactions approved and processed by Chase on XX/XX/XXXX and XX/XX/XXXX and the investigations is closed. All five transactions are posted to my account for payment.
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing this complaint to CFPB VS TRANSUNION in hopes to gain removal from reporting any negative claims asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity. My complaints primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report file in fact has been done and currently reports appropriately and ONLY so undeniably ethical, Fair, truthful, within federally-defined timeliness, with physical verifiableness and elsewhere certifiably validated to be compliant to established mandatory utilized XXXX XXXX Data-filled FIeld Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimum criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser that that of a MAXIMUX POSSIBLE ACCURANCY AND MAXIMUM POSSIBILITY OF COMPLETENESS! The company 's indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX XXXX COMPLAINT standards thereby giving me legitimate concerns the negative information portrayed by the complaint is either not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards. Attached are letters I sent out on XXXX XXXX.
Consumer complaint received 2021-08-31
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: PRIMARY RESIDENTIAL MORTGAGE (FL)

I did not authorize this company to pull my credit. I have asked Primary Residential and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal.

Primary Residential XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-10
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 — Their investigation did not fix an error on your report
Company: Herbert P. Sears Co., Inc. (CA)

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Consumer complaint received 2021-11-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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 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 ; XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX. XXXX, XXXX ;
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (FL)

I applied for only one credit card by XXXX, nowhere does it say that an application demands 2 inquiries for one credit card. And I discovered that I received 2 inquiries on the same day, one on Experian and one on XXXX  report. I was granted the credit card but I wish I knew there would be 2 separate inquiries and I wouldn't apply. I called to ask why that happened and they said they can do whatever they want and they don't have any note saying that explicitly and asked me if I want to cancel my card but they can not remove 1 inquiry. It is just not usual to get 2 inquiries by any company so it was so unexpected and I believe it might have been a mistake or if not, they should mention it before someone applies. I am planning to get a car soon so this is highly inconvenient and totally not necessary, if I knew I would definitely go with a different credit card.
Consumer complaint received 2021-11-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX PORTFOLIO RECOVERY ASSOCIATES ATTEMPT TO COLLECT A DEBT THAT WAS ALREADY REMOVED FROM MY CREDIT. THE ORIGINAL DEBTOR REMOVED THE DEBT AFTER I EXPLAIN THAT THE AMOUNT WAS TWICE THE CREDIT LIMIT.
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: Amsher Collection Services, Inc. (VA)

AMSHER COLLECTION SERVICES HAS MY PARTNERS BUSINESS ACCOUNT ON MY CREDIT REPORT. ITS FOR HEAVENLY COVE. HOWEVER THEY HAVE PUT IT ON MY ACCOUNT. FURTHER SPEAKING TO THEM I ASKED FOR THE LAST STATEMENT. THEY SAID THAT XXXX OWNED THE DEBT STILL, HOWEVER AMSHER COLLECTION SERVICE IS ON MY CREDIT REPORT. SO I DONT KNOW OR TRUST THIS COMPANY. THEY ARE ILLEGALLY PLACING THINGS ON MY CREDIT REPORT. AFTER SPEAKING TO THEM THEY MADE ANOTHER OPEN ACCOUNT ON MY REPORT WHERE IT SHOW ACCOUNT {$83.00} CREDITOR NAME IS XXXX XXXX SO IM KINDA CONFUSED TO HOW THEY ARE LEGALLY ALLOWED TO DO SO.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I received a check in the amount of {$48000.00} and l had another check for {$5.00} to deposit into my checking account with Wells Fargo Bank which I have been a customer since 1983. But I was given two choices on the day l of the deposit, the would place a 12 day hold on the and give me {$220.00} or give me my checks back to me all because their system said that in the past six months l have zero balance. And they need proof of funds. I told them that it doesn't take 12 days to get proof of funds. Wells Fargo called the Bank not the and the company the sent me check for proof of funds and when I told that to one of the Banker at Wells Fargo his answer was, " on hold. '' Four weeks ( prior weeks ) all l had to live off was the {$220.00}, as a XXXX XXXX XXXX XXXX senior citizen in rural South Carolina miles away from any stores.
Consumer complaint received 2021-08-31
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. (TX)

They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

unauthorized used of my consumer report and fraudulent use I have contacted my local bankruptcy court and they have notified me in writing that they DO NOT report bankruptcy to credit reporting agencies or Lexis Nexis. Lexis Nexis has advised they received this information from my Bankruptcy Court please read notification from my local bankruptcy court stating that is false.