davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

My complaint is against Experian they are allowing XXXX XXXX XXXX to put debt back on my credit report when it was already deleted. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. I was not notified by Experian the debt that was never Validated would be placed back on my credit which is illegal. Also they are allowing XXXX XXXX XXXX to post 4 different dates of debt with the same amount {$1400.00}. I have got my medical records and the debt XXXX XXXX is reporting is inaccurate and has not been validated.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

We received a credit alert and discovered a charge off collection item for XXXX apartments. We had left them in 2020 and paid all fees with our deposit. We were severely surprised to hear from XXXX that there was no debt owed. Then we spoke to Genesis credit management. They claim the debt was originated from move out. We have never been notified in writing or by phone in 3 years about any debt owed. We want justice served.
Consumer complaint received 2023-06-07
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. (SC)

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 2018-03-08
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. (TX)

XXXX  has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from XXXX. XXXX always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested XXXX to update their file over 5 times.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WY)

ASC is reporting on my credit as a foreclosure with multiple lates. I have never had an account with this company, nor do I know who they are. I never signed any documentation with ASC. The only mortgage I ever had was with Wells Fargo, which is reporting on my credit. I have never had any other Mortgages other than Wells Fargo.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

A stored account ( account ID XXXX ) was created on XX/XX/2022, at Best Buy by unknown person with a false email address. A Fraudulent electronic purchase was done on above account for 2 items by using my XXXXXXXX XXXX. The purchase was done from XXXX XXXX XXXX XXXX traced to TX, XXXX ) - Order Number : XXXX Initially the shipping label was created with my ( Credit owner ) address, but the purchaser contacted carrier XXXX XXXX ) and has changed the delivery location to the XXXX pick-up point in XXXX XXXX, NY Then Unknown person picked up 2 packages on XXXX XXXX at XXXX location. 
2 items were returned to Best Buy store at XXXX, NY location ( address is on the returning order ) on XXXX XXXX and exchanged on the same date for XXXX XXXX. Returning Order # - XXXX Since the return happened at the store location in XXXX, I require investigation : if all documents, required by the Best Buy for returning process, were required on the moment of return : receipt, the credit card used to make the purchase, and a valid photo ID.The returning receipt provided by the 'Best Buy ' store does not have evidence of the signature.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TSC Accounts Receivable Solutions (CA)

I was XXXX by a group of about 15 strangers and ended up XXXX my hand and getting a XXXX amongst other things by getting XXXX so many times. The police said they found the individuals involved, but the police never actually did anything. I was then left with a hefty medical bill that the individuals responsible were supposed to pay for and was not aware of the medical bill of my deductible from insurance. During this time I also was a XXXX XXXX who had to stop my job because of the injury that took me around 6.5 months to recover from and another full year to FULLY recover from and could not afford to pay this medical bill especially because the law enforcement did not do their jobs properly ...
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am submitting this complaint on behalf of myself with no help from anyone. 
I am a natural person, and consumer seeking assistance from the CFPB in regards to a matter I am having difficulty resolving with Transunion, consumer reporting agency. 

TRANSUNION is committing identity theft against me ; I have informed TRANSUNION that they are incorrectly spelling my name. My name is XXXX XXXX, yet my report states XXXX XXXX, a name I have never went by. I have mailed in my license a numerous amount of times, yet TRANSUNION claims theyve never received any mail by me. I have attached a copy of my license along with this complaint. 
Second issue I am having is Identity theft with companies, I have filed two FTC reports, as well as a police report, which TRANSUNION is again stating theyve never received. Ive disputed these accounts below as Fraudulent, identity theft, but yet again TRANSUNION is not honoring their duty to me as the consumer and conducting a proper investigation. I find is funny how XXXX, and XXXX have followed the laws, and removed these accounts but TRANSUNION somehow can verify, or cant block or update MY PERSONAL INFORMATION, as if they personally know me. 
Let me remind you TRANSUNION, youre in possession of my consumer report, it is your obligation and duty, to make sure the information youre reporting to my consumer report is completely accurate! 
FTC report number # XXXX, the following accounts are included in my FTC report, let me again remind you that according to the FCRA you have a duty to block these accounts from my consumer report within 4 business days of receiving my dispute. I have attached a copy of my credit report to show what accounts are fraudulent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

In accordance with the Fair Credit Reporting Act, NISSAN-INFINITI XXXX ( Account Number : XXXX Balance Owed : {$4300.00} Date Opened : XXXX XXXX, 2019 ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-07
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. (CA)

I have told Experian on countless occaisions via certified letters that the personal info they have on me is incorrect... specifically NAME. 


My name is : XXXX XXXX NOT XXXX XXXX XXXX They refuse to fix my name even though I have requested that they fix it over and over and over since last year! 

The fact that they willfully and wantonly never fix the very basic things that you are trying to get fixed is the reason why I reach out to the CFPB.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (CA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-06-07
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. (TX)

XXXX XXXXXXXX XXXX XXXX  has violated my rights, they are reporting late payments to the credit bureaus and under these US codes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX  ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXX XXXX they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX  permission which is another violation. My complaint is also with TRANSUNION who is allowing XXXX XXXXXXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. I sent a letter to Trans Union notifying them of the violation but they are still reporting the payments late as well.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted XXXX on numerous occaisions to remove the hard inquiries from my XXXX credit report. 

They have looked at all my letters and done nothing about it. No explanation nothing. They have surpassed all the timelines and ignored everything. They have continuously broken the law. 

I NEVER authorized XXXX - XX/XX/2022 inquiry not XXXX XX/XX/2022 to use my credit report. 

These inquires MUST be removed.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

I did not give permission to Equifax to place the inquiry for XXXX on XX/XX/XXXX XXXX on XX/XX/XXXXXXXX XXXX  on XXXX XXXXXXXX XXXX on XX/XX/XXXX I asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXX CRED XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (LA)

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 2023-06-07
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. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (SC)

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 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 2023-06-06
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: EQUIFAX, INC. (NY)

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear XXXX, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX  XXXX XXXX as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, XXXX XXXX XXXX repossessed the vehicle in question in the XXXX of Florida and subsequently sent it to auction for resale. According to the laws of the XXXX of Florida, as well as the relevant statutes such as the XXXX and XXXX, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned request, XXXX XXXX XXXX  has failed to furnish any such evidence within the designated time frame of 14 days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and XXXX remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

About a month ago some of my family members started receiving threatening phone calls from National Credit Systems. The calls have been recorded and saved. It was not until the 4th voicemail that the caller identified himself as a debt collector. The saved voicemails can easily prove this both with the text of the voice message along with the time and date stamp. National Credit Systems has already broken federal law by not identifying themselves as a debt collector. 

National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. 

I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (HI)

Hi, I am contacting you as my mortgage company ( Cardinal Financial ) is engaging in fraud and trying to make me over insure my house, which is illegal. We have paid our insurances to the requirement specified ( cost of dwelling XXXX ) and our mortgage company says we need more coverage ( cost of loan amount approx 357K ). After many phone calls we now understand that Cardinal wants the term replacement cost guarantee in the phrasing of the insurance coverage, which our insurer thought odd and had never done before. XXXX XXXX at Cardinal Financial explained this to us after a long, terse conversation. 
XXXX says I have 7 to 10 days to hand this new insurance information to Cardinal or they will force buy more insurance and cost me more money despite paying for the insurance already. 
We have sent in this required documentation, yet I am concerned as Cardinal seems to be trying to change terms and force me out of my chosen insurer into a more costly one of their choice. This attempt at insurance fraud in addition to swindling us via higher insurance of their chosen carrier has me concerned about this despicable company who I am stuck with.