davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2024-11-05
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. (NC)

I am submitting a formal complaint against TransUnion, XXXX and XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681, specifically concerning the verification of an alleged debt on my credit report. Despite my request for validation, these entities have not satisfied their legal obligations to verify and substantiate the accuracy of this negative information. 

On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX requesting debt validation, including the full account history, documentation supporting the charge-off date, and proof that the negative reporting aligned with FCRA standards for accuracy and fairness. In accordance with 15 U.S.C. 1681e ( b ), which requires furnishers to ensure maximum accuracy, I asked the Credit Union to provide the following : 1. A comprehensive account history with all payments, charges, and delinquencies.

2. Documentation supporting the charge-off date and the 48 months of negative reporting.

3. Verification that the reported information complies with FCRA standards for fairness and accuracy.

The Credit Union responded but failed to provide any supporting documentation, citing an issue with my address despite it being correct and matching the one on my letter. This refusal to substantiate the debt and verify its accuracy violates their responsibilities under FCRA 611 and 623 ( a ) ( 1 ) ( B ).

In addition, TransUnion reinserted this disputed item on my credit report, claiming it had been verified, without ensuring the necessary validation. This violates the reinvestigation requirements under FCRA 611 ( a ) ( 5 ) ( B ), which obligates credit bureaus to ensure data accuracy and to confirm verification from furnishers. TransUnions action of reinserting unverifiable information further fails to meet FCRA standards. 

Enclosed with this complaint are : A copy of my original letter sent to XXXX XXXX XXXX XXXX on XX/XX/year>. 
A copy of their response, which fails to provide any documentation substantiating the alleged debt. 

I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate XXXX XXXX XXXX XXXX and TransUnion for their failure to provide verification as required under the FCRA. 
2. Mandate the immediate removal of this unverifiable account from my TransUnion AND XXXX credit report. 
3. Hold both entities accountable for their failure to comply with federal reporting laws and any applicable penalties for non-compliance. 

Due to the clear failure to verify this alleged debt in compliance with the FCRA, I am seeking full removal of this account from my credit report. I trust the CFPB will intervene to protect consumers from unlawful reporting practices that affect credit scores and financial stability. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2022-11-25
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-12-20
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have BK OF AMER. I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XX/XX/2019. I have read enough to understand my rights. The XXXX Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
BK OF AMER XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-11-25
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: CREDIT ACCEPTANCE CORPORATION (GA)

I have been a victim of identity theft/FraudI disputed this fraudulent Credit Acceptance charge off account on XXXX via XXXX and Credit Acceptance XXXX They did not respond to me and did not correct the issue. I am very upset and XXXX and Credit Acceptance is violation of multiple consumer laws. I have submitted a police report, FTC Report and a letter explaining the laws that were broken. I am demanding that this issue gets correct immediately. If not, then I will be filing a lawsuit and suiting for damages. Please comply!
Consumer complaint received 2022-11-25
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: Certegy Holdings, LLC (CA)

On XX/XX/2022, I went to XXXX to cash a settlement check for {$1300.00} made payable to me. I was denied by a credit reporting agency called, Certegy Check Services XXXX XXXX ( Adverse action ) I have a reference number. 

I never had a problem before cashing a check at XXXX. I don't know this Certegy Check Services. What does cashing a check payable to me have to do with any credit reporting agency? How is this legal? How is this fair? Why do I have to request my file now? How and why does Certegy have a file on me? What does any of this have to do with me cashing a settlement check? 

Why aren't they verifying that the check is good?
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

On or about XX/XX/XXXX, we requested a continuance on our forebearance mortgage with PNC Bank, as entitled by the provisions of the CARES Act.

We submitted financial statements, assets, monthly living expenses, tax liabilities, profits and losses and other financial information. Every possible data was provided without any hesitation. However, once we submitted all the data, they closed the request stating they needed a profit/loss from my current employer. Why would I garner losses on my W2? It makes no sense. In fact, all these information were part of the submission.

In accordance with the CARES Act when a borrow request a forebearance should be granted without questions and delays. In this case, we went through stressful and difficult times trying to state our urgency to have an extension of the forebearance.

We don't want to renege on our financial obligations. We simply want an assistance to help us while we structure our finances. Our goal is to be solvent in the 1st quarter of XXXX.
Consumer complaint received 2022-11-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

I gave another try calling to Experian last Tuesday ( XX/XX/2022 ). I call credit bureau every week to follow up and make sure my case being updated. I did not have a pleasant talk/follow up with Experian. I have been transferred for 6 times, to six different department. On the fifth department, this guy still wanted to transfer me to another department, but instead of transferring directly to the department, they are more like general line. So I had to repeat everything again, telling what's the issue and why I were here. That's okay.

Then the 6th agent asked me when were the suitable time to call me back. Everytime, every single time when they could not solve any problem they will come out with this solution. Being said like someone will call me at A.M within 24 hours to 3 days, but none of them from Experian actually called me. And went I next made a call back, the case is " being resolved '' without update. Unfortunately, " being resolved '' is not like the problem is solved, they are more like closing this case without really taking the action. Then I spoke to this guy saying this is not a method to help out, because I have being told to wait for a call since XXXX. Could he actually come out with any other options to solve this? And this guy just hung my call. 

Being imagine, you have being transferred for 6th time, you were on a call for 1.5 hours, and you call multiple times due to transfer back to general line. I have literally sat there just to call for a solution with them for 3 hours a day. It just cant get thing solve.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-11-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (NC)

My complaint is against NATIONAL CREDIT SYSTEMS. Today I pulled a copy of my credit reports, and upon doing so I discovered that NATIONAL CREDIT SYSTEMS is reporting a collection account to XXXX, XXXX, and XXXX while also reporting inconsistent across the credit bureaus. NATIONAL CREDIT SYSTEMS is also incorrectly reporting that they are attorneys on my XXXX report. Impersonating Law Officials is a direct violation of federal law. 

They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''. 

I am demanding that NATIONAL CREDIT SYSTEMS delete the collection account they are reporting under my social security number immediately.
Consumer complaint received 2022-11-25
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: Bridgecrest Acceptance Corporation (IN)

Bridgecrest account was paid in full and closed on XXXX. I have sent XXXX proof of this and they will not correct there inaccurate reporting. Attached is a copy of the email from Birdgecrest that sates " PAID IN FULL '' and a copy of the paid in full contract. I have disputed this account with XXXX 2 times with the last being on XXXX. I have also attached proof of XXXX ignoring my request for investigation and stating that they are not changing the inaccurate information. Something really needs to done to enforce FCRA regulation.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-05
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-11-25
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. (NC)

I pulled a copy of my experian credit report today XX/XX/2022 and discovered that they are reporting the names of another person on my credit reports. Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX, and Name ID # XXXX XXXX XXXX needs to be removed immediately. 

Experian is required by federal law to report accurate information on my consumer report, and it is their duty to remove any inaccuracies being reported on my consumer report. I have never been known by any of the names that are listed in this complaint, and I do not appreciate them reporting false names on my credit report. 

I am demanding that they rectify their reporting immediately or I will be seeking legal action. The names they are attaching to my social security number and being reported as factual is a grave violation of my consumer rights. 

Failure of giving me my desired resolution will result in me seeking {$1000.00} per violation for XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud and XXXX ) Violation of 15 USC.
Consumer complaint received 2022-11-25
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. (TN)

I sent a letter off to the CRA To remove personal information that I do not want on my credit report. Any other personal name variation and address variation is inaccurate and need to be removed. My official government issue identification name is XXXX XXXX XXXX, I do not goby any other name. My only address XXXX XXXX XXXX, XXXX, XXXX no other address is mine never lived there. I pay all my utilities at the above address and that address is on my official government identification According to the fair credit reporting act 12USC 1681. I have the right to privacy. Also to according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

According to 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 2022-12-20
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. (LA)

So I sent a letter off on XXXX my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report According to the Fair credit reporting act 12 USC 1681. I have a right to privacy, also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These clear violations of my my federally protected consumer Rights.
Consumer complaint received 2022-11-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MI)

I have disputed this account many times throughout the years. The original creditor nor Hunter Warfield have ever been able to provide any proof of this amount owed. I am going to seek counsel if this is not removed from my credit report immediately. It has been XXXX years as of today that I purchased my home and I can prove this. I moved out of this apartment in XXXX of XXXX. I was not notified of this debt until XXXX. I immediately contacted the company and disputed this claim with the CFPB, attorney general, and the credit bureau 's. The parent company XXXX XXXX responded with an email that XXXX of their employees typed up stating that I did not provide 45 days notice. I was on a verbal agreement and had no written lease. I was on a verbal month-to-month agreement. I went into the office at the end of XXXX in XXXX and advised the receptionist that I would be leaving in XXXX. I asked what was expected of me and she advised that I just needed to return my keys. When I officially left in late XXXX of XXXX I stopped by the office and gave them my new information and left my keys. At this point it has been over XXXX years since I left the property and this was a fictitious claim to begin with. I did provide notice and the fault was on that of the receptionist who helped me. Either she is lying or she failed to take the proper steps on her end. Either way I did what was expected of me to properly leave my verbal month-to-month agreement. I have now resided in and lived in my home for XXXX years as of today and this is still reporting to my credit. If this does not get removed I will be forced to file a suit for damages caused to me for the XXXX years this fictitious claim has been reporting to my credit.