davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have been filing disputes for the past year with the following company Experian and I personally feel as if they are not reinvestigating the following account properly XXXX XXXX after I stated multiple times that the following account was charged off as of XX/XX/2020, since then the account has repeatedly been updated as charged off every month is an update in the payment history which to my understand charged off accounts should NOT include an active payment history, need I remind you this also falsely manipulates the statute of limitations, I am demanding a deletion of the following account XXXX XXXX.
Consumer complaint received 2022-08-22
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: SAN DIEGO COUNTY CREDIT UNION (FL)

CFPB + XXXX + San Diego County Credit Union, On a recent review of my credit reports I discovered your company pulled my credit on XXXX without my written authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact XXXX immediately and have them remove the 4 unauthorized hard credit inquiries. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect these unauthorized credit inquiries to be removed from XXXX immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Attached to this complaint are : - Copy of drivers license - Copy of social security card - Copy of address - Copy of complaint - Snapshot of the 4 unauthorized inquiries on XXXX
Consumer complaint received 2022-06-08
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX, CHILD SUPPORT XXXX XXXX account # XXXX, XXXX  XXXX  acount # XXXX & XXXX, has violated my rights. 


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 2022-06-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc. (IN)

I had XXXX and it affective my health, I was unable to do anything for myself at the time these account got establish.At the time someone had to steal my identity, I did not authorize no one to use my personal information. The is fraud and I would like these account to be remove immediately. please and thank you!
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (NC)

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 2022-08-22
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. (FL)

CFPB + Experian + XXXX XXXX XXXX XXXX XXXX, On a recent review of my credit reports I discovered your company pulled my credit on Experian without my written authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact Experian immediately and have them remove the 4 unauthorized hard credit inquiries. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect these unauthorized credit inquiries to be removed from Experian immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Attached to this complaint are : - Copy of drivers license - Copy of social security card - Copy of address - Copy of complaint - Snapshot of the 4 unauthorized inquiries on Experian
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Collection Professionals, Inc. (WA)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

Creditor Name : Advantage Collection Pro Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-18
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. (TX)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

Messaging today because I filed a dispute on XX/XX/XXXX for a XXXX transaction that made on XX/XX/XXXX through Chime bank. I was suppose to receive a item that initial received it, the seller then recalled the item. I messaged them immediately and they responded initial by accusing me of the reasoning why the item was recalled. I later found out that the reasoning was connected to their own actions, and I was told that they would check in on why the item was recalled. I never heard from them after that and they blocked me from messaging them. I filed my claim/ dispute immediately. I provided the conversation that me and seller had as proof, as well as the email they gave me to send the money as proof that this is the seller I dealt with. The messages have dates that all correlate with the whole situation. Ive been with chime for for a few years now, and I really just want my money back. It not fair that I can given a product and it recalled back and I cant even get my money back. It would one thing if I still had access to the product but isnt the case. It wouldnt be that bad if it was a couple hundred dollars but we are talking about {$1200.00}. Ive gone through the chime dispute process twice and both times Im claim has been denied. This very frustrating because, I honestly feel like chime hasnt had my best interest at heart.
Consumer complaint received 2022-03-12
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. (NJ)

on XX/XX/2022

I sent a letter regarding inaccurate and unknown things on 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 stated 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 may have got into the hands of the wrong person.
Consumer complaint received 2022-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (CT)

I received an initial call from a collector for a debt to my son 's dentists, XXXX  XXXX in XXXX XXXX. I did not think I had a debt, I asked for the collector to send something in writing, since I had never received a bill from the Dentist r the Collector. Then I called the dentist to check - the dentist confirmed that I had no outstanding bills, and had in fact paid in full in person on the date given by the collector. The dentist further stated that they do not send their bills to collection ever and this was a scam. 
I received a second call from the collector for the same ( fake ) debt. I told them I knew they were a scam and asked for their information. 
They are called Receivable Management Partner Services LLC and they are not listed on the XXXX XXXX website as a licensed company to collect in XXXX. 
I told them I would report them The person who called said their name was XXXX XXXX and their Manager was XXXX XXXX. Their number was XXXX. Their address was XXXX XXXX XXXX XXXX, XXXX Texas XXXX. 
After I told them I had checked with my dentist and knew they were a scam, they still tried to confirm my personal information, such as my address, etc.
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-22
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. (OK)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-18
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. (CA)

15 u.s.c 1681 section 602 A. States I have 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have requested investigation from Transunion several times to investigate the account XXXX XXXX XXXX # XXXX. I receive response verified as accurate or your classic stall response. " We applaud you for your recent efforts to take charge of your credit. We want you to know we're here to help and blah blah blah blah blah. I have 0 faith Transunion has investigated this account. I asked to receive the information used to verify this account. I requested to know if you spoke with someone or if it was verified through the system.It 's my right to receive documents used to verify ignoring the request is violating a consumer 's right. Oh yea and the classic stall letter you think I hired a 3rd party. This is exactly why I don't believe your investigation.How is it I have yet to receive validation of this account? How have I not received documents Transunion used to verify this account? Why are you continuing to stall? And the latest response you canceled my investigation request. I DID NOT request Transunion to cancel my investigation. What are you verifying excuse me NOT verifying. This account needs to be removed permanently. It is your job to report 100 % accurate information as you are reporting this account. I asked how and who was the information verified by at the company. I have sent XXXX XXXX XXXX 3 letters. After not receiving a response I sent 1 certified it was returned. Does this company even exist? This is the address that was listed on annual creditreport. Com and the other credit bureaus. I will also include the mail showing it was returned. I have never heard of this company and I have attempted several times to find out how they think I owe them. I am requesting this account to be removed immediately! This falsely reporting account is also reporting past due. This needs to be permanently deleted from my credit profile. I have the right to a 100 % accurate credit file. XXXX XXXX XXXX is in violation. I look forward to your prompt response as I have endured enough. It has cost me time and money. I'm requesting all communication via US MAIL. All Disputes are not viewable on Transunion.Com. I would like US MAIL for my record.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (WA)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately Creditor Name : XXXX XXXX XXXX Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-18
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. (VA)

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 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have contacted the credit bureau Experian in regards to information shown on my credit report. I have stated that that all but my current address should be removed from my report as they don't belong to me as well as a second SSN found and several allies. they have failed to update my record as requested
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion refuses to fix this issue they are reporting on my credit file. Transunion is reporting the following accounts while XXXX has deleted the accounts for not being able to validate any of them, why does Transunion keep them on my file affecting my ability to get credit. 

These account have been REMOVED FROM XXXX, XXXX XXXX, XXXX, XXXX,. 

XXXX HAS DELETED XXXX XXXX, Cfpb I am asking for help to get this company to remove these unverified accounts immediately. 

Also, I contacted them and the companies provided statements with another persons name and address, there is no excuse for Transunion to keep tempting this unverified info on my file.
Consumer complaint received 2023-08-31
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. (TX)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.