davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (NV)

XX/XX/XXXX Experian, This is merely a paper trail so I can pursue damages in court to take legal action against Experian. I have sent in all the documentation needed to remove this address from my credit report. I have sent certified mail and filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) attaching the documentation as well with those complaints too. XXXX XXXX XXXX, XXXX, OH XXXX is not my address. I have lived in Nevada since XXXX. There are accounts that is attached to this address are : XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX. All these accounts are attached to the above address. I called the fraud department on XX/XX/XXXX and spoke with someone by the name of XXXX. He told me even though I sent in documentation that he still REFUSED to remove the erroneous address and accounts attached to that address on my Experian credit report. I told XXXX it is against the law to leave information on consumer credit report when supporting document has been sent in. Experian has acted like they have never gotten my police report I sent years ago. Experian act as if they never gotten any certified disputes through the mail. XXXX stated I needed to call the companies on my report that is reporting information that does not belong to me. I can not give these companies information that I am not aware of and the companies have not responded to my phone calls to remove information that does not belong to me! The burden of proof is not of the consumers when Identity theft or name mix-up is concerned. Im sure Experian remember this lawsuit below In XXXX XXXX Experian Information Services, the plaintiff XXXX XXXX Experian credit report was merged with another persons, who was deceased but had opened up accounts prior to XXXX being born. XXXX filed an Experian dispute that the account was not his and to remove it. Experian failed to correct the error, and XXXX then sued Experian for violating the Fair Credit Reporting Act and his consumer rights. I have reached out to the law firm of XXXX XXXX XXXX, XXXX. who will be proud to represent me in this situation. 

The lawsuit above is similar to what Experian is putting my through! Stop sending me repeated pre made letters stated verified! It is a lie! Experian did not verify NOTHING! 

Remove the address, remove those accounts attached and send my updated report to : Email : XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX attached police report and bank statement for my address verification
Consumer complaint received 2023-01-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (GA)

I submitted a dispute with Exeter finance XX/XX/2023 disputing payment history and the charge off amount also requested information regarding the amount left on the account before it was sold to XXXX XXXX with a receipt. I sent this to an email XXXX they replied back XX/XX/2023 that they received it. XX/XX/2023 they sent out a letter saying the account status is accurate. I never ask about the account status. The also say the information reporting to the credit reporting agency are correct! XXXX quite confused seeing that there is different reporting going on. If they are all accurate explain why each credit reporting agency is reporting different information. Due to the FCRA all information being furnished should be 100 % accurate especially if its coming from the same furnisher. This is grounds for removal. They ignored my dispute and they have been knowingly/ willingly reporting inaccurate information. Thats against the law as well. This has caused damage to my credit report. Under the 15 U.S.C 1681-2 1 ( a ) 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. ( b2 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if
Consumer complaint received 2023-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Stallings Financial Group, Inc. (GA)

Medical bill shouldnt be on my credit. I have health insurance that the hospital verified. I think it should be off my credit because I was not aware of this debt and nobody contacted me about this debt. It just happened to be on my credit
Consumer complaint received 2020-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

My family agreed on a lease on XX/XX/XXXX, a security deposit of {$900.00} was made through XXXX XXXX and on XX/XX/XXXX a first months rent of {$1000.00} was also transferred using XXXX XXXX XXXX  with Zelle to the individual that we hours later found out was scamming us into the lease and is not the actual owner of the home. We can not reverse the payments made without the scammers agreement which of course he will not make.
Consumer complaint received 2022-07-17
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. (WI)

The following inquires were listed on my credit report with out my consent. I requested each bureau the original alleged inquiry application and was not provided the documentation for my request.

1. Inquiry : XXXX XXXX XXXX XX/XX/XXXX - TransUnion 2. XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Jamestown, Inc. (NY)

Requested Debt Validation from company in XX/XX/XXXX and did not receive any sort of validation. The collection then appeared on my account in XX/XX/XXXX, upon noticing this I requested validation for the debt again through XXXX  on XX/XX/XXXX. On XX/XX/XXXX i received notice from XXXX  stating the debt was mine, however I had received no proof of validation via email or mail. I again filed a dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX again all without receiving verification via email or mail. 

I spoke to a representative at CBJ Credit Recovery on XX/XX/XXXX who assured me that I would be receiving verification of the debt via mail within a fews and have yet to receive anything. All the while, this unverified debt is still be reported on my credit report without proper validation. I have requested items in writing, only to be told they do not provide anything in writing but that if i paid they could provide me a letter from a representative named XXXX. However until proper validation is provided, I do not feel comfortable paying and feel as though the company is trying to manipulate payment from me without having the proper paperwork in place.
Consumer complaint received 2023-06-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023
Consumer complaint received 2023-06-01
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. (FL)

I reviewed my Consumer Reports and noticed that I had over 7 years of charge off reporting activity. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-06-07
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: WELLS FARGO & COMPANY (GA)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-04-26
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)

I recently disputed a credit card transaction with a merchant that had overcharged me for a rental car. I contacted the merchant to resolve the issue but at the same time, asked my bank to also investigate. It turns out that when you do this, your bank lets the credit bureaus know that you have a dispute with a merchant currently being looked at but in the process, don't communicate the balance or the payment history to them of your credit card account at that time. As a result, all 3 credit bureaus dropped my credit score by XXXX points! Surely, this is illegal? Why would a dispute with a merchant result in my credit score dropping at all? In one case, the credit bureau dropped my score by XXXX points! I don't believe this is fair. I've worked hard to get my score up and due to what is clearly a flawed process, I have been penalized through no fault of mine. The merchant agreed that they were wrong and the matter has been resolved. However, my credit score has been severely damaged.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (TX)

OnXX/XX/2021I sent a letter regarding inaccurate and unknown things on my report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being blatantly ignored. Section 611 ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Requested Method of verification from original creditor and credit reporting agencies. They failed to send back documentation within 30 days. The only thing I received was letters from creditors and all three bureaus saying the debt was verified. These are not accurate accounts and need to be deleted from my credit files as they are being reported inaccurately and violate the FCRA as well as my consumer rights due to defamation. I also sent documentation to support I was a victim of ID theft and was a part of several data breaches and hacks exposing my social and personal info that was used by an unauthorized person to open accounts in my name an FTC report was filed recently to verify this info.
Consumer complaint received 2024-11-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This number called my cell phone number and my husband 's cell phone number, left voice mail messages saying they were trying to reach me about a credit card debt from 2005 from a Bank of America credit card for the amount of {$2500.00}. When I called the number back, I spoke to a male who said they were a legal 3rd party and that I was being taken to court for the judgment above in addition to {$2000.00} in legal fees and that I would be served in person in the next XXXX days. The male first gave my last XXXX digits of my social and a few minutes later stated my social security number in full - asking me to respond yes or no, I did not respond. But they do have my correct social. He said I was going to jail.
Consumer complaint received 2023-07-30
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a disputed charge. On XX/XX/2023 Bank of America sent me a letter ( received XX/XX/2023 ) that requested additional information about my claim to be received by them " by XX/XX/2023 ''. 

A second letter was received from Bank of America, dated XX/XX/2023 ( received XX/XX/2023 ) stating my claim was denied. 

They denied my claim BEFORE the date stated in the first paragraph. 

Additionally the denial letter stated that BofA had " completed our research ''. I have tried to determine the " research '' via the stated phone number, the web and my local branch to no avail. 

Regards, XXXX XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

This item, Synchrony Bank/ Ashley XXXX  , is inaccurate because I never received any items to make payments towards prior to closing the account myself. I have SYNCB/Ashley XXXXe representatives on multiple audio recordings stating there are no payments made to the account until the items are delivered. I never received any items that were financed but began getting charged. I spoke to a manager, XXXX, on XX/XX/22 with recorded audio and canceled the delivery as well as closed the account. On XX/XX/22 at XXXX, I spoke to an Ashley Furniture Guest Response Team representative on a recorded line that identified themselves as XXXX XXXX XXXX XXXX After explaining the situation, I was informed that one item was being shown as delivered. I asked for proof of delivery to include the address it was delivered to because I did not have any furniture from them, and I was informed that a representative from their back office would be contacting me. No one has ever contacted me regarding the account or provided any proof of delivery as requested. To this day, they continue to falsely report late payments, a high balance, and they closed the account which has continuously impacted my credit report in a negative manner. The unlawful actions and negligence of SYNCB/Ashley XXXX  led to me losing a house I was under contract for because my score dropped significantly when pulled right before closing.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NC)

Gm financial once again reported to credit bureau about my account even though they have sold my account to a collection again This an attempt to destroy me by a XXXX manger in XXXX North Carolina because we got in to an argument. We had made arrangements about the payments on the vehicle. The next day he repossessed the vehicle. Then he promised me that I wouldnt have to worry about it being on my report. He said if it did appear he would remove it. I said wait a minute you telling me if this appears on my credit report you will remove it.I asked him that because I dont trust no one I mean no one not even my mother. He said yes thats a easy fix. Well that easy fix has cause me nightmares. It has cause me nearly one hundred points since XXXX. I will be contacted my uncle who is U. S. Senator to let him know that how I am being treated and what this credit bureau is doing to me. No wonder theyre talking about abolishing the three credit unions. Because if they let whats happening to be everybody in this world that is a shame. Well not everybody just XXXX and XXXX. I also will contacted the U.S.Congress OF These United States of America to let them know about the injustice people of XXXX are experiencing with these three Credit Bureau. It is a shame I fought for my country. Im a 100 % XXXX Veteran and I have to experience this type of horrible treatment from the credit bureau. This is the year 2021.
Consumer complaint received 2022-11-15
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. (TX)

The company XXXX has taken my personal information and shared it with a 3rd party agency. 15 usc 1681 a paragraph 2 subsection ( a ) ( i ) report containing information solely as to transactions of experiences between the consumer and the person making the reports. Also 15 USC 6802 a financial institution may not directly or through any affiliate disclose to a non affiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. In both cases, I did not consent and was never allowed to opt-out.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I am an American Express account holder. I recently book a trip through American Express travel. My trip was a failed attempt but the charge on my card is pending online the amount of {$4200.00}. I spoke with several representatives over a 48 hour period trying get the problem resolved. I was told that it would take 3-5 business for the funds to be put back in my account. I Do not understand why a trip was never booked but my card was charged and the funds are pending. Due to an unforeseen circumstance I do not have 3-5 days to wait for my fund to be release. American Express has caused great harm to my mental within the last 48 hours. I would like my funds released and documentation stating that this process is legal.