davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

i previously contacted XXXX, EQUIFAX, and XXXX about my consumer report having incorrect information as a result I have not received any updates to my consumer report. 

closed account : XXXX XXXX XXXX : which is listed as 42 % paid on time and 7 late payments which is FRAUDULENT i never missed a payment and the debt was paid on time every month i even paid this debt in full 5 years before the loan was due to be fully paid. 

fraudulent inquiries : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (CA)

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. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING ACCOUNTS BELOW FROM MY REPORT IMMEDIATELY : CMRE FINANCE ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX {$9700.00} CMRE FINANCE ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$23000.00}
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

The company agreed to remove late payments for Covid-19 the months of XXXX and XX/XX/2021 due to severity which was never resolved. In addition, the company also confirmed that an automatic payment method was successfully added to my account. After having doing so, instead a 30 day late payment was reported to all credit bureaus negatively impacting my report. After contacting the company in attempts to resolve the matter the company confirmed admitting that their automatic payment processing had been compromised and that they would resolve this issue and that a new payment company would take over because other customers experienced the same issue. The company failed to notify their customers of the processing issues to begin with resulting in severe negative impact on my report. The reporting from this incident occurred on XX/XX/2021 to credit bureaus .This issue has not been resolved. This is an escalation for removal of ALL late payments. As a sole provider the me and my family are severely impacted and caused damage to my financial reputation.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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. 
XXXX, XXXX, R XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transition and XXXX allowed XXXX to continuously report inaccurate information for several months including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. When I asked to have the information verified they did not properly verify the information and continued to allow in accurate info to be reported violating my right to a fair and accurate credit report. They allowed XXXX to continue to change the dates, and balance and statement of a collection with inaccurate information with the most recent being XX/XX/XXXX. The statue of limitation ran out on the account so XXXX reported the account with a new opening date of XXXX of XXXX when the initial account was report 2 years prior and settled.
Consumer complaint received 2021-10-07
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)

Hello yes I have contacted TransUnion do to the unrecognized inquires and misreporting on my report And their customer service would not help and take care of the negative inquiries reporting to my credit report. 
XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/year>, after making a deposit at our local bank, our account was hacked by someone who banked at XXXX, in the amount of {$3000.00}. We called and notified WellsFargo as soon as we saw that the funds were taken. We were told that they would start an investigation. On XX/XX/year> we called to check the status of the claim and WellsFargo changed our account number and said that they would start an investigation. On XX/XX/year>, we reached out to WellsFargo to check the status of our claim and that is when they told us that they were denying the claim because it appears that our cellular devices were hacked because they sent alerts notifying us of the wire transfer. They refuse to give us documentation showing the alleged alerts or proof that we approved the wire transfer.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of Jamestown, Inc. (NY)

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

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion keeps violating the fair credit reporting act 15 U.S. Code 1681i Re-inserting debt on to my credit report, Transunion is a very sneaky, and malicious reporting agency, they violate the fcra committing 15 U.S. Code 1681n, and 15 U.S. Code ss 4504 without a care in the world, 2 accounts were disputed one account tht was by law supposed to be deleted 3 yrs ago, and it is a tax lien, Transunion keeps verifying that it is not a tax lien, even after they recieved the tax lien paperwork, this is clearly willful neglect on their part continuing to report it, it is an old account that is 3 yrs past the statute of limitations for credit reporting, they refuse to remove it which is causing damage to my credit, they are not supposed to be reporting tax lies, once I again I will submit through the CFPB the tax lien document, that shows it is a tax lien reported by transunion, they are required to delete it, they don't care about being sued whatsoever, second account they are reporting negatively is a public record which is an eviction by XXXX, XXXX XXXX XXXX XXXX, it was closed by transunion, and deleted, transunion sent a letter stating they were going to delete it, but they re-inserted back in my credit without a five day notice which is another violation of the fcra, it is a liability on their part they need to delete that account immediately before they get sued, I should not have anything negative on my credit report, they need to follow the FCRA, and remove those items before I sue them for willful noncompliance. My credit score should not be in the low 600sit should be in the 700s, they need to fix my report now.
Consumer complaint received 2021-10-07
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. (VA)

XXXX XXXX is showing on my transunion and XXXX  that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this account
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va debt management office. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.
Consumer complaint received 2021-10-07
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: Fidelity National Information Services, Inc. (FNIS) (OH)

sent dispute on XX/XX/2021 to XXXX, XXXX, XXXX and, chex system through certified mail no. ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) .with a formal dispute with instruction and a affidavit of truth and facts or notice of intent to sue for violation committed by these companies disregarding the law taking abuse on a consumers rights.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Company froze over {$5800.00} in my account based on a {$43.00} chargeback, paid to me for a digitally downloaded product. 60 days later, without explanation or any evidence, they unfroze the account, with a NEW balance of {$1300.00}. After DAILY messages with both the institution and the contact I was given, I have STILL not received an explanation or any paperwork, or any other service. Additionally, as a result of the 60 day unexplained freeze, I was unable to pay rent, credit card bills, utilities, and other essential payments needed to maintain my survival. As a consequence, my credit score went from 700+ to XXXX ( checked YESTERDAY @ XXXX ). Bank of America destroyed my credit, prevented me from paying bills, and nearly got me evicted and sued by my Condo Association. Then, refused to explain WHY they froze my account, then robbed me of XXXXUSD - WITHOUT EXPLANATION. 

I have preserved the account in state as evidence, and haven't accessed it since the event.
Consumer complaint received 2021-10-07
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. (VA)

XXXX XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct
Consumer complaint received 2021-10-07
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. (VA)

XXXX XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct
Consumer complaint received 2021-10-07
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: Experian Information Solutions Inc. (PA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pass the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My mother got ahold of my social security card and opened up several credit cards in my name when I was a minor. I have tried to file a dispute and tried contacting legal aide and nobody will help me. Every time I do file a dispute they are trying to make me pay it off. I refuse to pay the debt off when I did not open the account, like I said my mother opened these accounts in my name. It is ruining my credit and it is not allowing me to get a loan or anything because all of it is in my collections. 

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 2021-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Mediation (CA)

I received a call from a " process server '' and they told me to call another number to try to resolve a case they were trying to serve me for without saying what I was being served for. The company that I called acted like they weren't sure what to do with my debt and since the process server said their phone number, then they guess they could continue the mediation process. I asked for information in regards to what this was and they claimed I should have received paperwork back in XXXX, which I had not. I can't find their business online anywhere and the phone number I plug in doesn't return any associated business. They did send me an email with only payment options but no address or other information for the debt or their right to collect the debt. They informed me the only way I will get paper documentation would be to get served. Also if I did a debt validation letter that wouldn't stop me from being sued and it would take too long to get the information out. They also said I would owe over {$5000.00} if it went to court but if I did out of court options it would only be around {$1300.00}.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX, and TransUnion is reporting 2 accounts on my credit report and they are not my accounts. I never received anything in writing about these accounts from either company or from all 3 major credit bureaus. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
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. (NJ)

I received an inquiry alert, I called the company to inform them I didnt not request any line of credit. I was told theyll note the account as fraud. I received another notice that an account was open, I called again to inform them this is not my account I was ask to send a police report. I had to go get a police report for an account I acknowledge when the inquiry hit was not mine and they proceeded to allow the account to be open. Police report completed and sent to the company. I was told it was an online account, my last call I ask why would they not have two factor authentication ( this helps with seeing that the address used I never had any affiliation with ), I didnt really get an answer as it wasnt her position to speak on it.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: Merchants and Medical Credit Corporation, Inc. (MI)

On XXXX I sent this company a debt validation letter to validate a collection they placed on my consumer report. They responded back with some XXXX simply listing my name and the amount they claim I owe ... .No actual documents with my signature, or proof that the debt belongs to me. I sent them another letter on XXXX, telling them what they provided was not enough, and requested documents again. They responded saying that my request was the same and they will no longer investigate. They are scammers of a company and clearly disregarding consumer protection laws granted in the FDCPA and FCRA. Their response simply proves that they don't have the docs required to collect on this debt and report to the bureaus.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I ordered an item on XX/XX/2021 for {$42.00} on XXXX from a third party seller known as XXXX XXXX XXXX. Order # XXXX. The seller claimed to have shipped the item which I did not receive. I spoke with an agent from XXXX who stated the address that the item was shipped to was not my home address. XXXX did not disclose the address due to company policy. I then spoke with XXXX who stated the address showing on their end was my home address. They then contacted the seller, the seller responded they would update me with the correct tracking number. I have yet to receive anything. I spoke with a supervisor at XXXX by the name of XXXX who was very rude and dismissive. I told her they should remove this fraudulent seller. She proceeded to disconnect the phone call during mid conversation. I called back and spoke with another XXXX customer service agent who was also very rude and condescending. He stated that XXXX wrote in the notes she disconnected the phone call due to expletives being used. I would like to have those phone calls pulled and assessed. I am requesting corrective actions taken to reprimand XXXX for lying. I would like the seller to be investigated and removed for fraud. I am also requesting an investigation or case created to handle both agents, XXXX the supervisor and the agent who i spoke with after her at XXXX for customer service abuse.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2021 I notified TRANSUNION by certified mail of the following accounts : 1. XXXX ACCT # XXXX 2. XXXX XXXX XXXX ACCT # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of the consumer reports in general - subject to the subsection of ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is public information and TRANSUNION has been negligent and continues to commit civil violations against me. TRANSUNION has been furnishing these accounts on my consumer report without having my DIRECT consent! This is completely identity theft! They continue to provide me with investigation results stating the account has been verified as accurate - but fail to provide any adequate documentary evidence of having my direct consent. I have called their customer line and fraud department on several occasions and they refuse to assist me with my issue. They state they have not received anything from me or they received insufficient information from me. I demand they be held accountable for their violations and demand monetary compensation! I demand that TRANSUNION delete these accounts immediately!