davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-03-20
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. (AL)

I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-17
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. ()

COLLECTION AGENCIES POSING AS MORTGAGE SERVICING COMPANIES XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX THESE ARE NOT BANKS AND ALL OF THESE ENTITIES ARE MISREPRESENTING THEMSELVES THESE COMPANIES HAVE LAWSUITS XXXX IS FALSELY CLAIMING THE COMPANIES PAID INSURANCE AND PROPERTY TAX THAT HAS NOT BEEN PAID LATE PAYMENTS ILLEGAL FORECLOSURE! Attached are public records of lawsuits! Please explain your lawsuits and payouts! These companies are not banks these companies are charged with mortgage abuse! PLEASE CONFIRM AND EXPLAIN THIS ABUSE! Lawsuits! Payouts! Public records on the internet just XXXX all of these companies to see report of LAWSUITS AGAINST FRAUD AND MORTGAGES ABUSE! Just XXXX IT XXXX, XXXX, XXXX, XXXX and all affiliations! XXXX it!
Consumer complaint received 2022-02-17
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. (NY)

On XXXX XXXX, XXXX I received notification that the following was written to my credit : XXXX XXXX XXXX has flagged your account as Loan Modification on XX/XX/XXXX. 

On XXXX XXXX, XXXX I called XXXX XXXX who stated this was because my home was in a disaster area from XXXX, XXXX however I never took advantage of any of the benefits. XXXX XXXX  said it is my job to dispute this and ask to have it removed when they in fact this is a totally erroneous entry.
Consumer complaint received 2023-06-26
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. (MD)

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

The letters are stated with items and issues.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-17
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. (MO)

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Experian. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to XXXX and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX inquiry XX/XX/XXXX
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I am disputing an account that is 11 years old and was charged off by XXXX in XXXX 
I have repeatedly asked for the signature page of the agreement and they said they do not have it and they are within their rights not to have to produce it.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally dispute and request the correction of inaccurate information on my credit report, which is adversely affecting my creditworthiness. I have reviewed my credit report, and I have identified several errors that require your immediate attention. The inaccurate information pertains to late closed accounts and charge-off accounts, and I kindly request their removal and correction of late open account as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - please removed this late closed accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the accuracy of the late payment information reported on the accounts mentioned above. I have records and documentation to support that these late payments were not valid or were the result of extenuating circumstances. I kindly request that you investigate these discrepancies and update my credit report accordingly to reflect the accurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the validity of the charge-off accounts listed on my credit report. I believe that these accounts were reported in error or have been inaccurately marked as charged-off. I request that you conduct a thorough investigation into the status of these accounts and, if they were reported erroneously, remove the charge-off status from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the above-mentioned discrepancies and provide a written response within 30 days. I have enclosed copies of the relevant documents and supporting evidence to assist you in your investigation. These documents you are enclosing, such as payment receipts, correspondence with creditors, etc. 

If it is determined that the information reported on my credit report is indeed inaccurate, I expect you to correct my credit report promptly and provide me with a revised copy free of charge. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to correct or removed the following mentioned accounts above.
Consumer complaint received 2022-02-17
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. (MI)

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00} XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
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: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs Bank services my GM Rewards Mastercard. I got an email this morning notifying me that they had lowered my credit limit from {$2500.00} to {$1000.00}. The stated reason is : Your XXXX credit report shows you have recently been past due on another credit card account. In fact, this reasoning is false. I pulled my report after receiving the email and it shows no derogatory activity since 2019, well before this account was opened. I have received no correspondence from my current creditors that I am past due at all, much less more than 30 days to have this information appear on my credit report. 

I called and first spoke with a representative who identified herself as a supervisor ( I did not ask for a supervisor, I simply got one ). She stated I would have to obtain the credit report TU furnished. It seemed as though she believed it was most likely there was simply information on the report I was not aware of because she asked if I was getting my information directly from XXXX  or a third party like XXXX XXXX. I informed her I had a contradictory credit report more recent than the email, directly from XXXX. She advised that I call XXXX anyway. So, I called XXXX and was informed that my current copy of the report was the same information that was furnished to Goldman Sachs. They said this would be something to dispute with the creditor directly, since my credit report doesn't actually contain any recent derogatory information. 

I called Goldman Sachs back and reached another representative. He apologized for the inconvenience and informed me that this is an automatic process, he can not see why beyond the stated reason, and my only recourse is to apply for a limit increase in the future. He said he would note my concern on the account, but that there was nothing he could do. 

Goldman Sachs admittedly has no escalation/dispute process for something like this, or they are being elusive in offering it. They assume that their system correctly assigned adverse action, and that if there are any issues I must contact the credit bureau ( the adverse action email says as much ). The only thing that makes sense is that they are using my bankruptcy and the accounts discharged in it, which occurred years prior to my account opening with them, against me now, when they did not choose to use it against me when I applied for an account in the first place. Or perhaps it's an inexplicable system error. I don't know, they can't tell me, and it doesn't make sense. I can provide a copy of the credit report on demand to prove this. 

I do not know what rights if any I have to dispute this, but it's literally not an honest business practice to deal with a consumer based on false information and then refuse to investigate its accuracy.
Consumer complaint received 2022-02-17
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. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-17
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. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (MI)

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Bankruptcy : Discharged XXXX Reference number : XXXX XXXX XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX  XXXX Balance {$520.00} Original Creditor : XXXX XXXX XXXX Balance - Preferredl XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (TX)

On XX/XX/XXXX, I attempted to make a {$100.00} withdrawal at an ATM machine. I received a message stating " Go to cashier with a government issued ID to get funds ''. I did not go to the cashier to get funds. The next day I reached out to the ATM vendor and Robinhood. The vendor said the funds will credit back to the ATM card within 24 hours. Three days later Robinhood changed the transaction from pending to completed. Robinhood refused to issue a temporary credit and said it would take 90 days to complete the investigation. This is a known problem with Robinhood. No one should have to wait 90 days to receive their money.
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (MS)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-21
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. (MS)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CONSERVE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX
Consumer complaint received 2022-03-20
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: HUNTINGTON NATIONAL BANK, THE (IA)

This began in XX/XX/XXXX regarding Huntington Natl. Bank in PA. I contacted the bank over a dozen times as it dropped my credit rating over 100 points without explanation. They failed to respond, and I finally filed a complaint with the Iowa Consumer Protection Division in XXXX XXXX, IA, on XX/XX/XXXX. In turn, this agency told me to send all information to the PA Dept. of Banking and Securities in XXXX, PA. Customer Assistant XXXX XXXX sent an email on XXXX XXXX, XXXX, telling me to send the problem to the Office of the Comptroller of the Currency in XXXX, TX, which I did on XXXX XXXX, XXXX. This agency advised me that my complaint was no longer under their jurisdiction and had been sent to XXXX, IA. I wrote to the XXXX Financial Protection Bureau on XX/XX/XXXX, again on XX/XX/XXXX. In return, I received a form letter on XX/XX/XXXX, instructing me to file a complaint. Fed up, on XX/XX/XXXX, I sent every scrap of documentation and research I had on file to XXXX XXXX XXXX ; XXXX, IA XXXX. I received a form letter dated XX/XX/XXXX, identical to the one on XX/XX/XXXX, and yet another on XX/XX/XXXX. XXXX I expect this type of incompetent service to continue? Or have you gone covert and closed any potential investigation?