davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
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. (NV)

On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 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 that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX  data breach and my have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is allowing the collection account, XXXX XXXX XXXX, Original Creditor XXXX XXXX  XXXX XXXX, to be re-aged to look more recent and therefore stay on my credit report longer than it is supposed to. 
My Equifax credit report says the account XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX {$1600.00} was opened XX/XX/XXXX. 
Enclosed are 3 collection letters from when the account first became delinquent in XXXX of XXXX. This account was never brought to current. .I have enclosed monthly statements from the original creditor XXXX showing delinquency as far back as XX/XX/XXXX and remaining delinquent. I have disputed this account with Equifax before and they always say it's accurate. It is older than being reported and is wrong.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
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. (PA)

XXXX XXXX XXXX XXXX  PA sold me a lemon car and never give me answer with the warranty the car month ago take it brokedown a piid with my pocket month later again coming with electrical problem and them i decided released the bank have the status how reposition but its wrong i calld significat time and never recived any answer
Consumer complaint received 2021-02-05
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: Bread Financial Holdings, Inc. (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-10-12
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. (IL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, BELOW IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
Account name : XXXX XXXXXXXX, Account # XXXX. Account name : XXXX, Account # XXXX Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), Account # XXXX Account name : XXXX, Account # XXXX. Account name : XXXX XXXXXXXX XXXX, Account # XXXX Account name XXXX XXXX Account # XXXX. Account name : XXXX, Account # XXXX Address XXXX XXXX XXXX, XXXX XXXX IL XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Consumer complaint received 2021-02-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

Experian initiated a DISPUTE, on an installment account called XXXX XXXX XXXXonsumer NEVER asked for an investigation on XXXX XXXX XXXX XXXX is a valid account. 

Experian SELF-disputed Lead Bank, without the permission of consumer.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2021 I called Capital One and notified the representative that my credit card isnt reflecting with none of the credit beaurus. He advised I needed to write a letter to Capital Ine and mail it in for investigation. Why should I have to do this and still make payments to a card thats not even reflecting my credit. I have owned this card for 10 years and never had an issue with making payments and my credit report updating.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

HI, I opened capital one bank checking ( account ending XXXX ) on XX/XX/XXXX and made direct deposit {$250.00} and few days later ( XX/XX/XXXX ) funds in the account was not accessible, I checked online banking it shows Your funds are currently not available for withdrawal. Please call us at XXXX. I contact the customer care on XX/XX/XXXX and they told they are investigating account and will back within few days. On every month I am contacting customer care to allow to withdraw {$250.00} but every time they are saying they are still investigating. 

Can you help me in this matter to get the funds ( {$250.00} ) and close my account with capital one.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (HI)

In XXXX, I called Citi Bank to defer credit card payment. Call was through a call center in the XXXX. ( I know I asked ) We communicated deferral of interest, fees, and payment like every other credit card company during the pandemic.

They put interest on credit card which was not agreed to.

I refused to pay unless they took it off.

Now, they have sent it to a collection agency and refused to negotiate the settlement of the debt. Kept saying call back next month. I would call. Call back next month. I would call. Call back next month. You get the picture.

This has put a mark on my credit report and costing me money to refinance my home.

I would like Citi to remove the bad credit mark and call me to settle the correct amount owed. Without the interest!
Consumer complaint received 2023-01-29
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 — Problem with personal statement of dispute
Company: Kikoff Inc. (NY)

As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus
Consumer complaint received 2022-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TX)

This is my 2nd dispute request, this final letter to your company will be my final attempt to resolve this with your company. If this is not corrected within 14 days, I will file a petition for a small claims case In the XXXX XXXX, XXXX XXXX, in XXXX XXXX XXXX XXXX TX for damages you have caused to me.I am disputing the following information that your company supplied to me upon request Consumer # XXXX Case # : XXXX The disputes are listed on the attached letter. Please note, that I am a victim of identity theft, and have provided information to your company showing that I am a victim of identity theft. Please delete the records I am disputing immediately.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (PA)

In the XXXX of XXXX, I received emails saying a payment was due on an Amex card. I do not have an Amex card and never applied for one. I ignored the emails, assuming it was spam. When I noticed a drop in my credit months later, I called Amex to file fraud. It was denied because apparently a payment was made on the account. I tried to file another claim with more information but it has continued to be denied, apparently because that a payment has been made at some point on that card. I never made a payment. Around the same time this card is said to have been opened, I had just been granted full physical custody of my son. I believe that this card was applied for, used, and possible even paid one time for by my ex, the father of my son, in retaliation to that decision. He has ALL my information. I have since changed all my passwords and account information, but he still has my social security number and other information about me I can not change. I am almost positive this was him. This is now seriously effecting my credit and I need something to be done about it.
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 — Account status incorrect
Company: EQUIFAX, INC. (CA)

Last XX/XX/XXXX, When I was applying for a Solar service in my house, The Solar company ran my credit and found out that I was not approved due to the 2 months late on house payments ( XXXX and XXXX of XXXX ). Right the same month, I contacted XXXX XXXX to fix this information since I never missed any mortgage payment. I received a letter from XXXX XXXX last XX/XX/XXXX, acknowledging my request to investigate the incorrect report on my credit. Every month, from that date on, I follow up with them and they told me to wait. 
After six months ( XX/XX/XXXX ), My credit score still reported late payments. This time I contacted the Vice President for Servicing to ask for help since nothing has been done on my case. I have been deprived of my right to equal and fair credit, I can not avail of a good credit rate because of this error. Every day, I was on the phone, asking begging them to provide me with the result of their investigation. I wasted many hours of wait time on the phone, receiving poor customer service, and no one cares. 
I believe I had given them enough time to resolve my issue but no action has been taken.
Consumer complaint received 2021-02-05
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)

Credit bureau Trans Union has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX  XXXX  explaining and showing I was not late. Trans Union has removed it 4 times however, they continue to reported again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my CreditKarma, XXXX, and my XXXX account, they have the wrong ( maiden and married ) last name for me. Alsoo, they have two wrong addresses that I have never ever lived at, one in my town and one several states away. Also, They've also said I own a cleaning business. Which I do not own any business, especially a cleaning business.
Consumer complaint received 2021-02-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (IL)

The full reference is from the complaint that was closed by you with out fully understanding what has happened, you have confused the dates and the buyers, there was a previous buyer and now there is a second/different buyer, since your last look at this case XXXX The company is now asking to have everything redone, this is in line with the first buyer that backed out do to procrastinating by Fay Servicing, again we are being asked to resubmit all paperwork when all paperwork is already in Fay Servicing 's office, Not any of the time was waisted by us ( the seller ) or the buyer as of today Fay Servicing continues to clam paperwork has not been received and now expecting a whole new application to be submitted, I am not sure that this second buyer will be willing to wait another 6 months, something needs to be done as soon as possible. 
With the first buyer just after the buyer backed out Fay Servicing approved the sale ( short sale ) with no out of pocket expense, and now has waited for that offer to expire so to make this move in asking for a whole new application, in addition the new buyer has offered more monies the the last.
Consumer complaint received 2020-11-25
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. (CA)

I have two collections on my report that are NOT mine. I do no owe XXXX XXXX XXXX ( Account XXXX ). It is being reported on my Experian report as in collections. THIS IS NOT MINE. I had no balance. After I moved out. I have contacted experian and XXXX  to remove several times. XXXX  removed from my credit but not the other two agencies. This is beyond frustrating. I moved out of an apartment years ago and I had a XXXX balance. This is the only derogatory thing on my credit. This charge on my credit should not be there. I have proof that XXXX XXXX  removed it from my credit report. Please help. These buildings attempt to scam and make up things after you move out. If anything they owed me my deposit! I moved out the place was clean. I lived in a XXXX XXXX XXXX XXXX  alone! I didnt even wear my shoes in the apartment. It was spotless! I had no company over. There is absolutely no reason that I should be have some type of fee. THIS IS NOT MINE.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SHEFFIELD FINANCIAL CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the
pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SHEFFIELD FINANCIAL CO  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX