davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-04-29
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. (CO)

At the middle of XXXX I started the process of taking care of collection accounts on my credit report I had gotten information from the collectors and handled the matters as far as contacting my insurance and then we contacting them I contacted Experian and they told me they had got any information from the debt collector to have the account removed off my credit. Several times from the beginning of XXXX until the XXXX of XXXX I have been playing phone tag with Experian and XXXX and associates to have this matter taken care of I was then advised on XX/XX/XXXX by an experience dispute representative that if I got the letter from XXXX XXXX  XXXX as well saying that they were no longer reporting to send it to them to have the account removed off of my report I've done that several times as far as resubmitting disputes it's still showing. Today is XX/XX/XXXX I have called them three times already today and Experian still has refused to take the accounts off of my report they keep giving me the runaround they have expressed that they've received the letter for me from the collection agency however I still need to wait and I feel that this is completely against my rights and they need to take care of the situation.
Consumer complaint received 2022-06-29
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. (TN)

On XXXX I submitted a request for investigation for several accounts. I received a credit report on XXXX but the report did not include investigations results nor any indications that Transunion had even attempted to conduct an investigation in accordance with the law. I was surprised to receive results so soon b/c it was shorter than the 30-days. So on XXXX at XXXXXXXX XXXX I called and spoke to operator XXXX to see if my dispute was still under investigation. She told me that she did not see my dispute dated XXXX even though I have proof that Transunion received it and signed for it.
Consumer complaint received 2022-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (CO)

I have become a victim of wire transfer fraud on XX/XX/22, ended up wire transferring {$41000.00} ( 2 transactions of {$37000.00} and {$4000.00} ) at my local XXXXXXXX XXXX  around XXXX XXXX XXXXXXXX. As soon as I found out it was a scam I rushed over to my bank to stop the transactions around XXXXXXXX XXXX XXXX. Claims on these were initiated on XX/XX/22 ( case # XXXX, XXXX ) and the swift recall request was made to The recipient bank, East West bank at XXXXXXXX XXXX XXXX XXXX  on XX/XX/22 according to XXXX 
I also have tried to reach out to East West bank very next day on XX/XX/22 to alert the fraud transaction to their account but what they were saying was they would only communicate with the XXXX XXXX directly as I am not their customer. Since XX/XX/22 I have not heard any updates regarding this matter despite my multiple attempts to talk to the XXXXXXXX XXXX XXXX team and East west bank. 

The XXXX has been telling me East West bank has not been responding towards their request saying my case me be closed due to inactivity since XX/XX/22. Now my bank is telling me to reach out to East West bank directly to further resolve this matter after I lose all my times to stop the fraudulent transactions. However, East West bank is just saying they would only work with the XXXX directly while not taking any actions. 

I believe this fraudulent wire transfer might have been stopped if East West bank collaborated with me and my bank in timely manners as I took quick actions to stop the transactions within 3 hours of the fraud occurrence. 

The recipient bank account info is XXXX, XXXX XXXX. 

I felt like i have lost golden time opportunities to stop the transactions due to passive actions of both my bank and East West bank despite my quick actions to stop the transactions.
Consumer complaint received 2020-06-05
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. (FL)

Back In year XXXX, I was the co signer for a loan for my ex son in law, XXXX XXXX XXXX. He started paying in good standing, then he stopped. 

I marked in your questionnaire it was with XXXX university but that was not real, i chose that because i need an option for continuing with this claim. Back in that time it was an institution call " '' XXXX '' based in XXXX, Florida. And the degree was to become a XXXX advisor. My son in law, never finished the degree or pay for the loan, and then divorced from my daughter. Actually XXXX XXXX lives in XXXX XXXX Nevada. 

Many debt collectors acquired this loan, but it seems it was reopened back in XXXX and still into my credit report. Now, I am trying to refinance my home into and FHA loan and this situation is not allowing me to do that, avoiding me to lower my monthly rent payment. The mortgage banker provided me with your contact information.
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the FCRA the account ( s ) below have violated my rights XXXX XXXX - Account XXXX XXXX XXXX  - Account XXXX  Fingerhut - Account XXXX XXXX XXXX XXXX XXXX Account XXXX 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate 15 USC 1681 ( i ) section ( 2-a ), A procedure in case of disputed accuracy - ( 5 ) ( a ) ) treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified the reporting agency shall ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation and ( ii ) notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( e ) after receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) conduct an investigation with respect to the disputed information, ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of period under section 1681 ( a ) ( 1 ) of this title within a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section and ; ( iv ) if the investigation finds that the information was reported inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (IL)

On XX/XX/XXXX, I filed a dispute with Innovis Consumer Assistance regarding inaccurate accounts being reported on the Consumer report please see dispute. On XX/XX/XXXX, I received correspondence from the CFPB regarding complaint # XXXX and the response Innovis informed the consumer financial protection bureau that it did not recognize my complaint. In the original dispute I submitted a copy of my social security card and my illinois state ID with identifiable information confirming my identity. I disputed an account reporting by XXXX XXXX XXXX that I was not approved for this loan under acct ending in # XXXX. That account should have never appeared on my personal credit report that account is under a corporation and by the document it states that I was not approved for this loan. Is XXXX XXXX XXXX committing underwriting fraud with XXXX XXXX XXXX by switching contracts? The letter dated XX/XX/XXXX states that they were not able to approve my application for the amount of {$66000.00} please see letter as proof that the loan was denied. On XX/XX/XXXX, case ID # XXXX please see letter as evidence that Innovis intentionally misled the Consumer Financial Protection Bureau by stating that they alerted the CFPB of the discrepancy there is no discrepancy when it comes to doing a thorough investigation on all accounts that were disputed on the original correspondence dated XX/XX/XXXX Innovis is in violating of 15 USC 1681 i ( a ) for failing to conduct a proper investigation on the following accounts. 
1. Account : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : ******** XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX Failure to conduct a thorough investigation is a violation of case law that is currently in all district courts and appellate courts.
Consumer complaint received 2022-07-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022
Consumer complaint received 2020-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (MO)

XXXX XXXX XXXX, XXXX sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX  Hospital located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from XXXX XXXX XXXX , XXXX was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. 
According to the billing department at XXXX ( was billed through avadyne health ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX  billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.
Consumer complaint received 2022-06-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arnold Scott Harris, P.C. (IL)

I filed a XXXX XXXX XXXX where my parking tickets should have been included in a special payment plan. This law firm has refused to honor these terms and refused to provide callback or email response as they claimed. Now my vehicle is at risk of being seized due to this firm breaking the federal bankruptcy laws that protect my vehicle and parking tickets related to this matter. They have been nasty on the phone and refused to transfer to a supervisor nor honor the payment plan that I was told I was eligible for.
Consumer complaint received 2022-06-29
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)

Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-07-26
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. (TX)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.
Consumer complaint received 2022-06-29
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b 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. 

Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Accounts : XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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.
Consumer complaint received 2022-07-03
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, 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 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 an account without my written instructions.
Consumer complaint received 2022-06-29
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: Resurgent Capital Services L.P. (IL)

XXXX XXXX {$1300.00} XXXX XXXX {$93.00} I have made online disputes, letter disputes and also sent a consumer fraud reports to the FTC & all bureaus & now making complaints to the CFPB to have these Removed.
Consumer complaint received 2022-06-29
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX.