davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, TRANSUNION has violated my rights multiple times. 

15 U.S. Code 1681 section 602A. States I have the right to privacy 15 U.S. Code 1681 section 602A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

1 ) Before the expiration of the 5-business-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 ( 1 ), 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.

2 ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

-They have proof of the actual order from original creditor XXXX XXXX XXXX being cancelled and refuse to remove it. Initially XXXX XXXX XXXX couldn't find the package that was returned, once I gave them the tracking number they found it they sent the corresponding order to XXXX to remove the collection, but XXXX refuses to. In previous correspondence letter sent to TRANSUNION they could not VALIDATE the account, therefore it should be deleted XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-02-15
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. (MD)

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 TransUnion 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 meansTransUnion 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 : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-06
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 — Their investigation did not fix an error on your report
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I was over charged by XXXX XXXX. ON A RECORDED phone call on XX/XX/2021, I was informed by a XXXX employee by the name of XXXX that there was glitch in their system which resulted in my final bill being charged too much, {$740.00}. The Actual amount I owe is {$290.00}. To which I requested NOT to be debited from my checking account. I I formed XXXX I would call in my credit card number the following Friday. 
On the say Friday {$560.00} was charged to my checking account anyway. When I called XXXX, they refused to discuss the matter with me, insisting the amount was correct, which clearly isn't even the original amount I called to question on XX/XX/XXXX, to begin with, they kept denying any wrong doing, or that i even spoke to anyone previously. I informed my bank the charge was not authorized by me and the money was credited back to my account. This charge suddenly appears on my credit report. 
I have contacted XXXX directly via phone call and was told they do not do investigation inquiries. That they only ask the reporting agency if the amount is correct or not... WHAT?! 
Meanwhile this is on my credit report effecting my score.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I filed a dispute in the regards of the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

XX/XX/2022 caller ID said Wells Fargo so I answered and the voice on the other end said they were XXXX with Wells Fargo fraud department. He said someone named XXXX XXXX was trying to use XXXX to transfer {$3500.00} from my checking account. He asked if I knew XXXX XXXX said no. So he had me log into my account to check they hadn't stolen my login information. Once I was in He walked me through XXXX to see if XXXX was a recipient. When I said he wasn't he made it sound like he was responsible for removing him. Then he walked me through what he said would cancel out the fraudulent transfer by sending a {$3500.00} transfer to Wells Fargo. Something clicked when asked for the transaction reference number, so I hung up and called Wells Fargo fraud direct. They took my info and filed a claim. XX/XX/2022 I received a letter saying that the transfer had gone through and there was nothing they could do. They had contacted the financial institution on the receiving end and asked for the money to be returned but there was no guarantee and that I could also try contacting the scammer and asking for my money back. My claim has been closed.
Consumer complaint received 2022-02-08
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. (TX)

I only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information from my report.
Consumer complaint received 2022-09-26
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. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report these items has been stopping me from purchasing my home for my family. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I used my debit card at a fuel pump. The pump was not working correctly and it was charging me for gas that I did not receive. My cars gas tank only holds XXXX gallons of gas and the gas pump just kept running, the gas pump said it charged me for almost XXXX gallons of gas, my cars capacity is only XXXX gallons. I was overcharged {$99.00}, I disputed charge as unauthorized and my claim was denied. The gas station said they could not fix and I had to contact my bank. I would like my {$99.00} credited back to me
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

About six months ago I had discovered that i am a victim of identity theft. I discovered that some one unknown to me had used my personal information to get few credit cards and few personal loans under my name. I immediately filed an identity theft report and sent it to original creditors and credit bureaus. Among these creditors there was a company called XXXX. I have contacted this company at least half dozen of time and disputed this account with the credit bureaus and original creditor and as of today i have not got any respond from them and they keep saying this account belongs to me and i requested validation fr5om them and i have not receive nothing from them.
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Credit & Collection, Inc. (IL)

IN REGARDS TO COMPLAINT NUMBER XXXX Midwest credit collection has refused to address all issues regarding my previous complaints. My next step will be to file a complaint with the attorney general, the XXXX, and more. 


Please address line by line every claim that I have addressed to you regarding your deceptive collection practices on the alleged owed debt. 


( Midwest credit collection has broken several laws inluding identity theft. Pursuant to 15 usc 1681A ( 3 ) ( a ) medical bills can not be shared. Pursuant to 18 usc 8 all debt obligation are of the United States. Pursuant to 15 usc 1692c ( a ) midwest collection never had my prior consent to contact me pursuant to 15 usc 1692d ( 5 ) I have been harassed and my phone has rung from the debt collector 's office. ) also I did not receive anything in the mail from your office showing any type of validation of debt. I request that you upload your correspondence and documents here to the consumer financial protection bureau for a proper paper trail.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (ID)

I just happened to check my credit this last XXXX and saw that a collection had been sent out in my name. After a short investigation XXXX XXXX confirmed with me that it was indeed a fraud situation and even sent me confirmation. But that was back in XXXX XXXX  XXXX. Here were are in XX/XX/XXXX and it's STILL on my report and I will need to take out a loan in the near future but won't be able to because of this.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on AMERICAN EXPRESS. Per FCRA, reporting must be 100 % accurate or the informations must be deleted. 

AMEX XXXX Balance {$1600.00} ; AMEX XXXX Balance {$0.00} ; AMERICAN EXPRESS XXXX Balance {$0.00} ; AMERICAN EXPRESS XXXX Balance {$1600.00}
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Company is reporting information on my report that is not validated and is incorrect. 
I dont have any outstanding medical bills with XXXX XXXX XXXX 
I have never had any contact or done any business with XXXX XXXX.
Consumer complaint received 2022-02-08
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. (NY)

XXXX XXXX XXXX  credit card is reporting to XXXX and Transunion that this account is still open. It is closed. 
XXXX XXXX XXXX is reporting this account XXXX XXXX as open on XXXX and Transunion. This is inaccurately and Fraudulently being reported.
Consumer complaint received 2022-07-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-09
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. (TX)

Mailed certified letter to EXPERIAN with regards to unauthorized credit inquiries. No response, or validation of all these fraud credit inquiries. I would like to see validated signatures of my permission to pull all of these inquiries. If EXPERIAN can not provide me with PROOF of signature in which, I consented to these inquiries. I have asked them to remove all of these fraudulent inquiries from my credit report. 
( See attached letter )
Consumer complaint received 2024-10-16
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. (AZ)

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting to my credit for a long time with inaccuracy repeated charge - off reports, this account 's is inaccurately reported with monthly charge- offs, potentially re-aging the debt illegally. This constitutes a clear violation of 15 U.S. Code 1681e ( b ), also Omission of account transfer/sale information. The failure to report the transfer or sale of the account misrepresents its status, in violation of 15 U.S. Code 1681s2. Remove the following capital one accounts immediately as they are hurting my credit. Account XXXX and XXXX Lastly you have updated payment information and made the account even more inaccurate.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

XXXX Name and Address Wrong XXXX  XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX  Name and Address Wrong
Consumer complaint received 2022-09-27
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: ENCORE CAPITAL GROUP INC. (NY)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my credit report. I previously request debt validation via certified mail and advised that I am a victim of identity theft. Your office failed to respond to my debt validation request. For the record, I have no knowledge of this account. I am a victim of identity theft and did not open this account.

I am requesting that this account be removed from my personal credit report, as this account was opened fraudulently. I have placed a fraud alert on my credit profile to prevent this from happening again. Please restore my credit back to good standing by removing this account ( XXXX ) which I did not open.
Consumer complaint received 2022-07-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I checked my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed my complaints last XX/XX/22. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$660.00}
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress SERVE bank acct. 
Several hours later I received and text stating a ATM withdrawl was denied, and a XXXX charge was placed on my acct. 
I immediately opened my mobile acct and seen XXXX un-authorized withdrawls were recently made by ATM in the borough XXXX XXXX, NY. 
After placing a freeze on my acct I contacted America Express Serve. 
I notified them that I had experienced this same type of fraud an previous time with my SERVE acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my SERVE card in New York ) I explained that I currently possessed card ending in XXXX on my person in the XXXX, NY and at no time was I ever at the location where the un-authorized swipes were made XXXX, N.Y. 
At this time I also noticed a previous un-authorized charge from 2 weeks prior that was also listed on my account. 

DATE LOCATIONS XX/XX/22 {$100.00} XXXX XXXX XXXX XX/XX/22 {$300.00} XXXX XXXX XXXX XX/XX/22 {$200.00} XXXX XXXX XXXX XX/XX/22 {$180.00} XXXX XXXX XXXX XX/XX/22 {$50.00} NY XXXX  XXXX XXXX After making my initial contact with SERVE cust service, I have been unable to reach anyone at the telephone I made the claim. 
Past 10 days the automated number disconnects when you request to beconnected an agent. 
I just received a letter from SERVE stating after their investigation they were declining my claim on card ending XXXX. 
The card with un-authorized charges ended with XXXX. 
Card ending XXXX is the replacement card Ive yet to receive. 
I would appreciate any help you can extend. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am disputing this account under 15 USC 6802, which ensures my right to privacy and protection against unauthorized sharing of my personal information. This account contains inaccurate information, and I did not authorize the sharing or reporting of this data under the conditions set forth by this law. I request immediate removal of this account as it is in violation of my rights under the Gramm-Leach-Bliley Act and other relevant consumer protection statutes