davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
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. (WI)

In Late XX/XX/2018 I contacted XXXX, XXXX and TransUnion and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court XXXX District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies. 

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with XXXX, TransUnion or XXXX. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: E-Backgroundchecks.com, Inc. (FL)

Background check revealed 3 felonies in XXXX XXXX XXXX, MO. Screen was for a DOB XXXX - XXXX. Therefore, any individual with my name could report as a felon for ANY birthday ever.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by Hurricane Beyrl and this has caused me not to obtain relief and resources. 
i have been attempting resolve this since XX/XX/year> and XXXX have ignored me.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I contacted Experian and attempted to add my Consumer Statement. The representative acted as if he entered and then read back to me my Consumer Statement. It does not appear on my report. 
I attempted to provide accurate information regarding original loan amount, current loan amount and date of relationship with the Lender XXXX and other Lenders on this report. 
I was told they will only show what is sent to them from the Lender and not from me. 
I have had a relationship with XXXX for more then 20 years. 
XXXX has opened and then closed my account over the years as we had mutually agreed. 
Experian and the Lender have made statements that are false and misleading. 
XXXX assigned me a new Credit Card number and a line of credit for {$6000.00} at a repayment term of 18 months @ 0 % interest rate. 
However this information is not available to other lenders. 
The failure to report the facts of my loan agreement is missing and is designed to make me look like I am a high credit risk. 
This is done by limiting the information as it appears on my report. Instead of the true facts, it is reported that I am maxing out my available credit allowing Experian to create a scenario that is harmful and incorrect lowing my credit score by more then 100 points. 
This is what Experian is reporting to other Lenders who look at my Credit report.

Experian and the Lender together are failing to accept or mention the terms and conditions of my actual account. 
It is in reality a loan being reported as a revolving loan even though I have a different repayment agreement. The report makes me appear as if I am a credit risk when in fact I have excellent credit with XXXX. 
I have never been late in my repayment with XXXX or any creditor ever as my current Credit Report shows! 
However after opening the new account with XXXX it has become a derogatory account making me look like a very high credit risk. The same thing happened with my two XXXX Credit cards one for {$3000.00} and the other for {$12000.00}. All of these accounts have the same terms and conditions for repayment. The agreement is for 18 months at 0 %. 
I have proof that I wish to submit so that my report is correct and accurate. and was told that I could not provide them with this information and that they will not consider it at all.
Consumer complaint received 2024-10-04
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. (CA)

This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Experian credit reporting agency block information appearing on my consumer credit report as it is the result of identity theft and fraud. I request this be done within 4 business days of receiving this complaint. The fraudulent and inaccurate information includes the following accounts : 1. A credit card account was opened with XXXX XXXX XXXX on XX/XX/year>, under account number XXXX. XXXX. An account was opened at XXXX XXXX XXXX on XX/XX/year>, under account number XXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a copy of my XXXX credit report, which clearly shows the fraudulent items in question. I do not recognize any of these accounts, or collections, as being initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a direct result of identity theft and fraud. In support of my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are indeed the result of identity theft and fraud.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Miller, Stark, Klein and Associates (FL)

Yesterday, the company responded to your complaint number XXXX, In their response, the company stated, " We have closed this in our office no further contact will be made with this consumer. '' Today, at XXXX XXXX EDT, the company placed the same robo call to me. They stated that several complaint had been filed with their office. They stated that my cooperation was required. They did not identify the company or the individual calling. The call came from ( XXXX ) XXXX, again with a spoofed caller ID name. 

Clearly, the company misrepresented themselves to the CFPB in their response.
Consumer complaint received 2018-12-05
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. (MA)

I am currently disputing an unverified account with Equifax and have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine & has been properly verified. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Equifax is continuing to report this unverified account despite the fact they have not indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have a existing problem on accounts that I ask for documentation sent to me proving the same information that is considered verified and those are my rights I will be submitting documentation with this dispute if its not resolved or I will be force to take legal action due to my rights being violated. The inaccuracys on my credit has caused big problems and I will like them deleted immediately because the issue is never being proven to me that its been verified and accurate
Consumer complaint received 2024-10-04
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. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX.
Consumer complaint received 2018-12-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2018 I contacted TransUnion via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
Consumer complaint received 2018-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was purchasing a house in XXXX and I was instructed by my XXXX agent to wire the {$25000.00}. I did at Bank of America on XX/XX/XXXX. On XX/XX/XXXX he called said run to bank cancel it, its fraud. So I did.i bank with Bank of America. The money was at XXXX XXXX XXXX in XXXX. No one would give me information. 
Im still waiting XXXX XXXX wanted a hold harmless letter. To release my money. Bank of America refused. 
Please help me get my money back. XXXX XXXX XXXX knows who the account belongs to and will not talk to me, b of a wont help either.
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

Wednesday, XXXX This morning I called to speak with someone about 'why my credit limit was decreased. ' Initially I spoke with XXXX. I told him that my credit limit was decreased an I told him that, 'I did not understand because my relationship with them has been in Good Standing, and current. ' He said, " we sent you a letter explaining why, '' I told him, " I never received a letter, please explain. '' He asked if I would hold while he retrieved the letter. Once found he read the main portions of the letter. It said that 'every 6-months, XXXX XXXX ( TJ Max Rewards Card carrier ), does a Credit Review of a Consumer 's entire credit bureau, ' and they determine consumers credit worthiness by this. 

I told him that 'this is extremely unfair and absurd, and that my NON XXXX XXXX  business has not been a part of my 'direct, and good relationship with them, and my bureaus have not affected my account whatsoever. ' I asked XXXX to speak with his manager. Shortly afterwards XXXX/ Account Manager got on the line. I asked XXXX directly, " are you saying that my complete Credit Bureaus determine my relationship with your company, regardless of my good-standing account and relationship, and my income being increased '' she said, " No, we determine this. '' My response to her was, " this does not make any sense, if my complete Credit Bureau does not hold any determination merit in terms of my account relationship & credit limit with you, why did you decrease my credit limit? '' She could not explain this. Our call then ended. 

Their practice is EXTREMELY UNFAIR. If every company did this, those with imperfect credit who are trying to rebuild themselves 'one company at a time, this practice would make it IMPOSSIBLE to re-establish yourself, because ALL of your good credit relationships, would penalize you for the entire breadth of your bureaus, irregardless of your good standing with their company. Again, 'this UNFAIR BUSINESS PRACTICE, makes NO SENSE. ' Of the 145.5 million Americans whose credit information was gravely compromised by the Epic XXXX Hacking Debacle under the leadership of XXXX XXXX XXXX, CEO ( XXXX ), no one knows the exact negative impact on the Consumers who were gravely affected. In addition to Syncrony 's Unfair Business Practices ( SUBP ), 'could my bureau be negatively affected because of this, and  this was the reason that my credit was decreased? 

To treat consumers this way is HORRIBLE, and I look forward to a massive XXXX, via all of their stores, BOYCOTT, and their Unfair Business Practices going viral.

CFPB, 'my writing in all caps is NOT intended towards you, I'm just extremely angry how I've been treated by XXXX, and my feelings are only directly towards them. ' CFPB, 'I really appreciate you and the work that you do ... ' Your department is one of the 'few in our country, that truly represent the original old-school business standards and acumen. ' Sincerely Grateful ...
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Technology Federal Credit Union (MI)

I was contacted by XXXX XXXX XXXX for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by XXXX XXXX XXXX is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

between XXXX and XX/XX/2018 after looking at my EQUIFAX credit file I noticed a list errors and accounts not belonging to me.I disputed the accounts and EQUIFAX stated they were removed. Six months XX/XX/2018 later the accounts are still on my file! Please see attachements! EQUIFAX STATED THE ITEMS HAVE BEEN REMOVED! Why are they still showing on my credit file, All items deleted by EQUIFAX but still remains on my credit file! See attachments for proof! 
Personal finance-deleted XX/XX/2018 Personal finance-deleted XX/XX/2018 Bankruptcy-deleted XX/XX/2018 EQUIFAX GUIDELINES STATES IF A ITEM STATES DELETED THEY HAVE REMOVED IT FROM YOUR CREDIT REPORT AND TAKEN STEPS SO IT DOES NOT REAPPEAR! I have highlighted ALL supporting documents
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Request for deletion of outdated Personal Information To Whom It May Concern, I am writing to request the removal of outdated personal information from my credit report. I have noticed that some of the names, addresses, employment, spouse and phone numbers listed on my report are no longer accurate, as I have updated my contact details. 

Please delete the following outdated information from my credit report : 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 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 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. The only number that should be listed is XXXX. Please delete all others. 

23. I am not a XXXX XXXX. Please delete. I never had a company nor worked for XXXX 's XXXX 
I currently work for XXXX XXXX XXXX XXXX XXXX as a vice president. 
Address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

24. I never have been in connection with a person named XXXX. I do not have a spouse named XXXX. Please delete. 

25. My correct name is XXXX XXXX XXXX. Please delete all others. 

Please update my information. Thank you.
Consumer complaint received 2018-12-05
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)

In XX/XX/2018, I went to purchase a car and was informed that I already had a car loan that was recently closed and charged off. I contacted the three credit bureaus individually to dispute the fraudulent account on my reports. The information was immediately removed from XXXX and XXXX due to the fact that I am a confirmed fraud victim. Each bureau had been previously sent a copy of my two separate police reports. Equifax report came back with confirmation that it was my account. I informed them that the account was fraudulent and they already have my police reports on file. They informed me that I needed to add the car on the report so I did in XXXX  of this year. I disputed the account again and Equifax continue to allow XXXX XXXX XXXX to so call verify that the account is mine. I asked that representative I spoke with to explain what and how the bank is verifying my information. The representative informed me that the bank verified my address, name, social and birthday. I informed them again that I am a verified victim of fraud and of course they have my personal information but there is no way that they would have my address. Also today I went down to the police station to get an updated copy of my report. The clerk informed me that the report would be sufficient enough for Equifax. The clerk also stated that Equifax can contact the number on file and verify that the information is in fact on my police report. The XXXX   County Police clerk stated that they can call and confirm that the car was reported as fraud and that they would verify the information by using the incident report number I submitted to them
Consumer complaint received 2018-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I am being sent a bill each month by email and physical mail for a loan I donot recall applying for. The loan doesnt have my correct name on it and XXXX has checked out my loans and it doesnt appear on my loan history according to Dept. of Education. I was afraid to not pay so I did it for about two years while attending college. When I called them they said I had to pay anyways and told me that my wages would be garnished or my credit would be impacted negatively. I was terrified of those consequences so I made the payments on time monthly.