davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I had a car the insurance paid it was totaled an it has been removed from my other credit reports but experian will not remove it an I have not seen anything about what they investigated
Consumer complaint received 2022-02-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-14
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. (GA)

My request for the correction and removable of the erroneous information on my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the information that are still reporting on my account : PREVIOUS ADDRESS : XXXX XXXX XXXX LOT XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX Collection Original Creditor XXXX Balance : {$230.00} Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

On XX/XX/XXXX I transferred funds from my XXXX XXXX acount to XXXX. A few hours later on the same day I decided to cancel the transfer. XXXX still took the funds off my XXXX account but never credited them on my XXXX account. 
I have contacted XXXX daily and, after waiting on hold for XXXX mins daily, they don't know where the money, keep telling me they will fix it in a day or two and its been 21 days now. 
Total nightmare, worse institution I've ever dealt with, doesn't sound like a real bank, sounds like a scam!
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (PA)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-02-14
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. (PA)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

The application was wrongly filed, I did not authorize the opening of the account, my dentist referred me to Care credit. They were informed I was no longer interested in opening an account on XX/XX/2022 since I was not informed there will be a credit pull ( hard inquiry ). Care Credit agents referred me to their Fraud department, the staffs are conny, not trustworthy and definitely not helpful.They are mean and not willing to correct the error.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Dear CFPB, I am writing to formally request your assistance in addressing a critical issue regarding inaccuracies in my credit report, which have severely impacted my ability to obtain new credit, achieve financial stability, and pursue the goal of purchasing a home for my family.

I have attempted to resolve these discrepancies with the credit reporting agencies, but the issue remains unresolved. I believe that these errors, which have been unjustly reported, are causing undue financial hardship. Therefore, I am seeking the CFPBs intervention to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld and that my credit report is corrected promptly. 

Thank you for your attention to this matter. I look forward to your assistance in helping restore my financial standing and enabling me to achieve stability and homeownership for my family. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, pa, XXXX. 
XXXX.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My request for the correction and removable of the erroneous information on my accounts has been diligently neglected by Experian. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the information that are still reporting on my account : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX INFO Date Updated : XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

On XX/XX/2019. I received an offer letter to settle the account with US Bank. on XX/XX/2019, I sent the require payment to satisfied the account in the form of a certified check. Funds were withdraw soon after. The account was never reported as settle and this continue to appear in my credit profile even after multiple attempts to dispute the information with the credit reporting agencies.
Consumer complaint received 2022-02-14
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: CITIBANK, N.A. (PA)

I received a email that my social and Drivers license was exposed to a security breech with XXXX XX/XX/2021 ( I just switched phone companies because of this ) the same week I received a email from XXXX that my information was found on a Dark web. Someone is using my identity to apply for credit. I have several inquires that i didnt make on XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I've contacted LCI with a letter and I will place the letter below, and they never answered my questions on how they got permission or do have a wet signature on hand just a copy of bankruptcy info and stated it's public knowledge well. I do have a letter as well from courts stating that do give information to credit bureaus, so that's a lie. Here is the letter below and I'll attach there response. 


LCI LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items below to be an error. 

XXXX XXXX Bankruptcy- Case Number, Closing Date, Court, Date Filed The credit bureaus stated they received information from LCI XXXX 

LCI also has my updated address ( bill ) on file as well. 



According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 



I understand the under 15 U.S.C. See 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 



If this information is verified with proof that this is me using SSN, DOB and wet signature, please send back with a copy of who and how they verified it. If not, I demand that this is removed immediately. 


Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 



Thank you for your time and help in this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have submitted several disputes with Experian to remove a XXXX XXXX account from my credit report. The account belongs to my ex spouse now so I'm no longer responsible for that account. I've submitted documentation to Experian from XXXX XXXX to prove this and they have failed to properly investigate and remove this item from my credit.
Consumer complaint received 2022-09-24
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)

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/2022, that TransUnion Credit Bureau closed my complaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}, on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2021, I wrote a check to a business in the amount of {$250.00} for shower repairs. The check was written using a checkbook supplied to me by my financial institution, USAA. On XX/XX/2021, I was contacted by the business regarding the check. The check returned unpaid by USAA. Due to the check being returned, the I had to pay a {$25.00} returned check fee to the business in addition to the {$250.00} charge for services rendered. The account had ample funds to cover the check and there was no reason for USAA to not honor the check. 

I contacted USAA by phone on XX/XX/2021 to obtain information as to why the check was not honored and to request reimbursement of the {$25.00} returned check fee that I had to pay due to USAA not honoring the check. I called multiple times, spoke with multiple parties, and ended up on the phone with them for hours. 

I repeatedly offered to send them a copy of the check to research. In addition to not providing any information about the check, including not providing any information as to why it was not honored, they refused to reimburse me the {$25.00}. According to USAA, they will NOT reimburse any returned check fees that are not USAA initiated. I repeatedly explained that I had to pay a returned check fee because they failed to honor a check that should have been honored. They again stated they are not responsible for any returned check fees EVEN IF the returned check fee is due to their failure to honor a check that should be honored. 

I have no answer as to why they refused to honor the check and I had to pay {$25.00} due to their failure to honor the check. Despite this, they refuse to reimburse me for the charge. I confirmed that the information ( routing/account number ) on the check is accurate so I am at a loss. 

I am from a military family and I have always praised USAA. I have also worked with them for several years in a professional capacity. I am truly saddened by how poor their customer service has become and that they refuse to reimburse clients who are out funds due to their actions.
Consumer complaint received 2022-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NC)

I Sent a certified letter to the Eastern Account Debt collection agency on XX/XX/XXXX asking for validation of contract I have with Eastern Account according to the Fair Debt Collection Act and FCRA and any information Eastern Account has on file with my signature to validate the debt of XXXX dollars is my debt that is listed on my credit report. 

The debt collection agency has not responded to my request of asking for information. In fact it was updated on XX/XX/XXXX on the credit reports again as late payments. I can not be late on account that I do not have a contract with. I asked Eastern Account to provide contract with a signature or remove the debt on my credit reports from the two credit reports. 
( XXXX and XXXX ) Additionally, the Debt account is being reported differently on 2 different credit reports with different with different account numbers. 

I understand my rights and this is defamation, negligent enablement of identity fraud. I plan to pursue my rights by any means until this is resolved immediately.
Consumer complaint received 2022-02-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2022-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (NC)

I am heir to the deed of my deceased mother 's home. Foreclosure proceedings begin in XX/XX/XXXX on a FHA Mortgage during the Foreclosure Moratorium period known as the Coronavirus Aid, Relief and Economic Security Act. The proceedings were ongoing throughout XXXX and XXXX. The mortgage servicer, FCI Lender Services , Inc., through its attorneys submitted misrepresentations to the court stating in its Coronavirus Compliance Certification that the loan was not a government loan ( see the Compliance Certification and Affidavit enclosed ). The affidavit asserts the affiant is a party of a servicing company called XXXX XXXX, XXXX ( no NMLS found or record they are a servicer ). The Court of Common Pleas in XXXX, SC used the Compliance Certificate and Affidavit to determine to transfer the case to the Master of Equity Court of XXXX XXXX, SC for foreclosure. The proceedings should not have begun prior to XXXX XXXX when the foreclosure moratorium ended for federally back loans. This process caused undue distress and the potential loss of my late mother 's asset during a very stressful period time of the pandemic. ( Dates are seen on the attached court documents ). 

Court of Common Pleas ( XXXX XXXX, South Carolina ) - Case no. XXXX Master of Equity Court XXXX XXXX XXXX, South Carolina ) - Case no. XXXX
Consumer complaint received 2022-02-14
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.