davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXXXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Balance {$400.00}
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TX)

This debt was written off, therefore the merchant received a credit for it and it makes me no longer responsible for it. It was sold to Jefferson Capital system which is illegal and XXXX will not remove it from my report. The amount is {$460.00} I would like a copy of the original contract with my signature. Full payment history from original creditor. Full name and address of address of original creditor.. I need proof that this has been assigned to them and that they own the debt. A collection is also not to be reported with a balance.
Consumer complaint received 2019-01-11
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: AMERICAN EXPRESS COMPANY (CA)

I received a hard inquiry XX/XX/XXXX When I have not appliedfkr a credit card. Inquirer date : XX/XX/XXXX. I contacted the company but to no avail. They have failed to return my calls or emails. This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against. The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. I feel personally discriminated against and have no other option but to try  CFPB to get a response from this creditor that has treated me so poorly.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX, I lost {$1900.00} in an advance payment scam. Multiple callers working in tandem, posing as a police detective and ICE agent, convinced me that I was under investigation for illegal activity involving a passport linked to my birth country. In this way, I was tricked into sending money through Zelle to someone who I was led to believe was an attorney handling the case. I was told that the money was an insurance deposit against my trying to run away from the investigation. 

When I realized I had been scammed, I immediately contacted my bank, XXXX XXXX. They told me that there was nothing I could do to retrieve the funds through XXXX, but that I could file an IC3 complaint, which I did. After calling XXXX again today ( XX/XX/XXXX ) and getting someone else on the line, I was able to file a dispute on the transactions. 

The phone number to which I was tricked into sending the money was XXXX, and the name that appeared on the Zelle account of this number was XXXX XXXX. The first XXXX representative I spoke with told me that this account was apparently linked to a XXXX XXXX XXXX. I found XXXX XXXX XXXX XXXX Loss Control Department phone number ( XXXX ), but I can not get anyone on the line and have received no responses to my voice messages left over the last two days. 

Today, I also filed a report over the phone through Zelle 's customer service line. I haven't been given a copy of my reports with XXXX or Zelle, and I do not know how long it will take to receive a response. 

I've attached screenshots of the Zelle payments to XXXX XXXX and the phone numbers of the imposter ICE agent and police ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NRA Group, LLC (OH)

On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX XXXX, XXXX alleging that I owed {$54.00} for an unpaid electric bill from XXXX XXXX, the XXXX XXXX. I requested information on that date. Apparently, this was the final bill issued on XX/XX/XXXX after I ended service and I moved from that address. I had my mail forwarded to my new address. I received no information that this final bill was sent, that I owed this amount, or that I had anything due and owing to XXXX XXXX. 

I followed up with XXXX  on XX/XX/XXXX stating that if I do not receive any proof by XX/XX/XXXX that this debt was owed by me, I would consider the debt removed from my account. On XX/XX/XXXX, I received a response from XXXX  in the mail with simply a copy of the bill and nothing further such as showing that this bill was sent to me, that I owed this amount, or that I had anything due and owing to XXXX XXXX. 

The next I heard about this matter was on XX/XX/XXXX, when National Recovery Agency placed a negative mark on my credit account. After I called them, they could not describe how they obtained this debt from XXXX, and why they immediately placed a negative mark on my account. Being that I am working to obtain a loan to purchase a home and a different loan to purchase I car, I had to pay this immediately to get this off my account, with a reservation of rights. Then, they told me it would take anywhere from 30-90 days for this to clear from my credit, that will likely cause me and my family great harm. 

The amount owed is miniscule to me. This is simply a matter of principle, where these predatory agencies fail to follow the law and place innocent people in their crosshairs, greatly affecting their lives. They must be punished!
Consumer complaint received 2021-12-10
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift response.
Consumer complaint received 2020-11-02
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2021 I requested a credit report. I only wanted a one-time report, but Transunion enrolled me in a monthly monitoring program without my knowledge or consent. I would like to be refunded all the amounts they charged me for the monthly service which I did not request.
Consumer complaint received 2020-11-02
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-01-11
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. (FL)

My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor XXXX XXXX XXXX, XXXX is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc. (FL)

I am filing this complaint against FIRST FEDERAL CREDIT C ( Account Number XXXX ) due to their failure to validate the accuracy of the information they are furnishing to the credit bureaus. Despite sending nine dispute letters requesting validation, they have not provided any proof or documentation showing how they verified the account details. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Errors and Violations : Failure to Validate the Account : Under Section 623 ( a ) ( 8 ) of the FCRA, furnishers are required to investigate and provide accurate information when a consumer disputes an account. Despite my multiple requests, FIRST FEDERAL CREDIT C has not provided any verification of the debt or supporting documentation.

This lack of validation means the account should not continue to be reported, yet it remains on my credit reports with conflicting statuses. 
Inconsistent and Inaccurate Reporting : XXXX reports the account as Deleted with a balance of {$510.00}. 
XXXX reports the account as In Dispute with a balance of {$510.00}. 
XXXX does not report the account at all. 
These inconsistencies indicate that the information provided by FIRST FEDERAL CREDIT C is not being furnished accurately across all credit bureaus, violating Section 623 ( a ) ( 1 ) of the FCRA, which requires furnishers to report accurate information.

Failure to Conduct a Proper Investigation : Under Section 623 ( b ) of the FCRA, when a dispute is submitted, the creditor is required to conduct a reasonable investigation. The failure of FIRST FEDERAL CREDIT C to respond to my disputes with any meaningful validation demonstrates their failure to fulfill this obligation.

Continued Reporting of an Unverified Debt : Because the creditor has not verified the debt, continuing to report it violates my rights under the FCRA. If a furnisher can not verify the accuracy of the information, they are required to stop reporting it. 
Requested Resolution : I request that the CFPB take action to ensure that FIRST FEDERAL CREDIT C : Provides full validation of the debt, including original documentation proving the accuracy of the account. 
Ceases reporting this account to the credit bureaus if they can not provide proper verification. 
Corrects any inaccurate information or removes the account entirely from my credit reports. 
Their failure to validate and the continued inaccurate reporting are clear violations of my rights under the FCRA. Immediate action is necessary to prevent further damage to my credit profile.

Thank you for your assistance with this matter.
Consumer complaint received 2021-06-16
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. (MO)

I noticed accounts displaying on my consumer reports that are a violation to my rights as federally protected consumer. I demand these accounts removed from my consumer reports immediately. I sent the on XX/XX/2021 and I have not heard back from Transunion, XXXX, or XXXX. Pursant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a Consumer Report.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

On my credit report and XXXX account it is showing that I still owe Navient Solutions LLC student loans a balance of {$8600.00} when I made a payment to settle in full. I received a letter Saying I have a balance of {$0.00}. This was account was taken care of on XX/XX/2022. Navient hired a company by the name of XXXX XXXX XXXX to take the payment. Their information is XXXX XXXX XXXX. XXXX XXXX, XXXX, Ohio XXXX Ph. ( XXXX ) XXXX
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (GA)

XXXX XXXX XXXX XXXX sent my subscription. To collections after I paid my annual fees and was only subscribed for a year. I didn't even use it but once or twice. But the issue is my email account, my debt card and my phone were all stolen. So that account was compromised.
Consumer complaint received 2022-09-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/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 XXXX, XX/XX/XXXX 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 2022-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (NY)

Hello, A message was passed to me regarding a phone call to phone number XXXX. They called on XX/XX/2022. 

From phone number XXXX EXT XXXX Female debt collector who would not leave her name, left a message on a voicemail with a 3rd party and then spoke to unauthorized and unverified XXXX party, verbally threatened " if XXXX does not call me back by XXXX tonight, I'm turning this over to my lawyer. This is regarding her XXXX Credit Card account ''. 

When 3rd party asked her name, she said " M '' sound but could not understand what her name was, as though she purposely muffled the phone. 3rd party asked again, debt collector gave the same " M '' sound then muffled the phone. 

Please investigate this debt collector as I feel she is using unfair and bully tactics that violate the CFPB and FTC. 

I can be reached at XXXX, my name is XXXX XXXX. Email preferred, XXXX Thanks, XXXX
Consumer complaint received 2021-12-06
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. (NY)

on XX/XX/2020 experian XXXX and XXXX deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did experian, XXXX  or XXXX notify me within XXXX  days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.
Consumer complaint received 2022-05-20
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. (FL)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance - XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00}
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (TX)

Unknown debt. Text message. Unknown item and amount. Requested all charges, submission of written original documentation. In addition I have asked to receive such information via mail to the address they have on file. I also put them on notice if the information was not provided i would consider and report this as fraud. No response to any communication - I just receive more identical text messages with a link to pay online. 

First National Credit Bureau