davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2021-11-07
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. (MS)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these disputed accounts are accurate and belong on my file along with copies of the documentation that they used to verify the accuracy of the items I disputed you ignored my right to request this information from you. Rather than complying with your duty to provide me with this information, your repeated refusal to comply clearly demonstrates your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your boiler-plate responses to them.
Consumer complaint received 2021-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I submitted a federal trade commission ( FTC ) letter and dispute letter to Transunion credit bureau notifying them of these fraudulent inquiries they I dont recall nor recognize reporting on my consumer credit report. They have failed to delete these off my credit report. This is stressing me out and causing harm to my score. I dont think they are taking me serious and I need something done about this no one is listening to my requests like this is a joke and this is real life MY LIFE. Me as a consumer Im suppose to feel protected and this doesnt seem like it, I just want transunion to follow the law because I do know my rights and delete these inquiries that do not belong to me.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Continental Finance Company, LLC (VA)

Re : Continental Finance Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX represented by : XXXX XXXX XXXX XXXX  XXXX - XXXX in XXXX and XXXX, XXXX server Today, XXXX XX/XX/XXXX around XXXX, I received a call from XXXX XXXX, and XXXX left a very harsh XXXX XXXX saying she was a process XXXX  and I would need to sign for papers being sent to my house for a civil legal matter and that I have been notified of legal action against me. When I called the XXXX return number she listed, and to reference a File number, I reached XXXX in the XXXX XXXX, however thats not how the phone was answered. She said " Litigation '', no name, no company name, no ID number, etc, and I said I was left a XXXX for a File # ... .. and had no idea or knowledge of what this was in reference too. 
XXXX confirmed my identity and last XXXX of XXXX, and said that they represent their client XXXX XXXX ( of XXXX XXXX XXXX ), and that a credit card debt in my name has been sent to them to pursue for a civil lawsuit against me for a balance of over $ XXXX of the suit. HOWEVER ... XXXX HAVE NEVER HAD, NOR EVER APPLIED FOR ANY XXXX XXXX OR ANY OTHER CREDIT CARD WITH THAT COMPANY. I kept trying to ask questions to get more information about this " alleged '' credit card debt of mine, that was apparently opened in XXXX, and sent to collections in XXXX, however I have not received any calls, letters, mail, emails etc prior to today regarding this issue. When I asked for proof of documentation, and stated that this debt is not mine and must be fraud, XXXX then proceeded to state that she will notate my dispute and I will be sent a summons to appear in court on a future date, and I could request all the documentation or account info at that discovery hearing, and then said Good luck to you and hung up on me while I was still talking. I immediately called back, got her back on the phone and stated that she abruptly hung up on me when I was trying to gather any info about this " alleged '' account/lawsuit that I've been threatened with, without being given any additional info. I was hung up on again. Filed XXXX FTC, XXXX
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (GA)

On XX/XX/XXXX NCS, A collection company that Ive never received communications from added an account that they had recently closed after I disputed. Same amount and original creditor. I had already disputed at the beginning of XXXX when the collection first appeared on my credit, I sent them two certified letters to request validation from. No response. Again, I had received no initial dunning notice or anything in writing from them.

Almost a month after I dispute, NCS adds {$1.00} to the accounts balance. I contact the consumer finance bureau to complain and after that, NCS closes the account. Just today i get notified on my credit reporting app that they have adding the same account that had been closed. Can they do this without having contacted me? I have not gotten any notice of the debt or my options. I have record of me trying to contact them and all of their updates they made before closing the original account. 

They have ignored my certified letters as of XX/XX/2021 I feel i have some right to the information of my alleged debt before paying it off, it says Im already late on a payment but I didnt set any arrangement with them considering weve never spoken.
Consumer complaint received 2021-11-29
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. (CA)

Hello CFBP. I am reaching out again because XXXX XXXX XXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days back-to-back, while some say XXXX then back to XXXX back to XXXX the XXXX days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true. 
XXXX impartial accounts and all XXXX credit reports XXXX. different amounts and dates on all three credit reports XXXX. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note.

XXXX. When making the attempt to write XXXX XXXX XXXXXXXX is showing two different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in XXXX days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all XXXX credit reporting agencies and reporting. I can afford to wait another XXXX days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc. (CA)

Put simply, skrill stole my money. They told me that an XXXX charge I had made was not going to post because the account was closed, so I did not go to the rental because it was not paid for to my knowledge. 

Then the transaction DOES point and their XXXX call center denies any responsibility for giving me incorrect information. 

AND to make matters worse, nobody at paysafe group seems to know what happened to my XXXX account which has a fortune in XXXX in it.
Consumer complaint received 2021-11-29
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. (WA)

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX )
Consumer complaint received 2023-08-18
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: Resurgent Capital Services L.P. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2021-11-29
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX and Transunion credit report. 

The information for this account listed on my credit report is : XXXX XXXX, BALANCE {$42.00}, OPENED XX/XX/2014, ACCOUNT XXXX
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TN)

Hello, I have been a loyal customer of Regions Bank in XXXX, TN, for the past 20 years. Recently, the bank withdrew {$72000.00} from my account without my permission or prior notice. As a XXXX XXXX XXXX  I rely on these funds to pay my employees and meet my SBA payment obligations. This unexpected withdrawal has put me in a dire financial situation, jeopardizing my ability to run my business. 

I consider this action to be lender fraud, as there was no communication from the bank regarding the withdrawal of these funds. I urgently request that Regions Bank return the {$72000.00} to my account immediately, as my payroll is due, and failure to pay it will result in default.

Instead of supporting small businesses, Regions Bank 's actions are causing significant harm. I am concerned that this may be a targeted action againsXXXX XXXX businesses. I would like the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and file damages against the lender. 

Thank you for your prompt attention to this urgent issue. 

Best regards,
Consumer complaint received 2021-11-29
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. (CA)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2021-11-29
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: Resurgent Capital Services L.P. (AR)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Consumer complaint received 2021-11-29
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : XXXX XXXX XXXX, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Consumer complaint received 2021-11-29
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)

My name is XXXX 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 TransUnion 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 Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion 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 Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}
Consumer complaint received 2021-11-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (OK)

Hello, I'm writing you in regards of a closed auto loan on my credit report. The company is Santander Consumer USA. The company sold the debt to XXXX XXXX XXXX. I received a letter from a process server that they are threating to sue me if I don't pay this debit. The account is closed on my credit report and XXXX XXXX isn't even on my credit report! XXXX XXXX reaged the debit several months ago. I need your help getting Santander Consumer USA OFF all 3 of my credit reports. The company has threatened me during a pandemic and I just started a new job! I was unemployed for several years. What they are doing is against the law. XXXX, XXXX, and XXXX wont even let me dispute it anymore! That's against the law! Please help me ; Santander Consumer USA or XXXX XXXX XXXX XXXX they are breaking the law!
Consumer complaint received 2021-11-29
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. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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 accounts that are reporting on my Credit Reports : XXXX XXXX {$0.00} XXXX {$3900.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2021-11-29
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: Bread Financial Holdings, Inc. (AR)

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

Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.