davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (KY)

On XX/XX/2022 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 I'm 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 30days 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, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-11
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I'm a XXXX struggling student that is living on Social Security SSI income that recently lost my job due to the Covid Pandemic. Im struggling to pay for rent and food and other necessities and I will like if you can please have the courtesy of cease and desist on all my debt due to me being XXXX living on Social Security SSI fixed income which is a violation and against the law tu sue a XXXX person living on a fixed Social Security income. I will like for you to please have the courtesy of stopping and canceling the lawsuit on XX/XX/XXXX and email me a confirmation from you and your lawyer saying you cancelled and stopped the lawsuit through this cfpb message or XXXX.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX '' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (TX)

I have new information regarding CFPB complaint # : XXXX The response that was giving from this company provided me a contact number of XXXX XXXX XXXX XXXX XXXX. I called this person XX/XX/2022 with no answer. I also left a voicemail. My call still havent been returned. On XX/XX/2022 I sent this company a invoice and my affidavit of truth. Tracking # XXXX for violation my consumer rights. It was received and return receipt was signed on XX/XX/2022.
Consumer complaint received 2022-02-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Despite several years of complaints, Citizens bank refuses to update the security level of their online banking systems to the current century. While most, if not all, financial institutions enforce complex passwords with special characters and offer, if not require, 2-steps authentication, Citizens forbids the creation of secure passwords by refusing to allow special characters during password creation or update. This results in either weak passwords or passwords over 25 or 30 characters long, which are impossible to remember. There also does not seem to be a way to enable 2-steps authentication. This kind of criminal negligence puts my money and the money of each and every one of their personal and business customers at risk.
Consumer complaint received 2022-02-11
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have always been in a deferment or a forbearance option through XXXX. I have never missed a payment due to my elegibility w my income due to XXXX. and XXXX.
Consumer complaint received 2022-02-11
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. (GA)

On XX/XX/2022 I open a dispute with Experian and XXXX mid XXXX requesting that the inaccurate, closed and inquires reporting on my consumer credit report be validation and verify by original consumer contract bearing my signature in wet ink. On XX/XX/2022 I received an alert that my dispute result ready. I received no alerts or documentation from XXXX. Experian and XXXX has failed to provide me with any items that has requested and is still reporting these closed, inquires and inaccurate on my consumer credit report. As a consumer reporting agency 15 U.S.C 1681 a ( f ) Experian and XXXX is governed by the Fair Credit Reporting Act ( ''FCRA '' ), 15 U.S.C et seq. , which protects consumer from inaccurate, outdated or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer file is accurate and free from errors. Experian and XXXX is just allowing items to be placed only consumer credit report without validation or verification that these closed, inaccurate and inquires are indeed correct. Experian XXXX XXXX is in violation of 15 U.S.C 1692e 15 U.S.C 1681b 15 U.S.C 1692d 15 U.S.C 6803 15 U.S.C 1692g I have also filed a complaint previous complaints XXXX XXXX
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (IL)

I am a victim of identity theft and breached by several data breaches. I wrote to the three XXXX XXXX on XX/XX/2021 and XX/XX/2021 disputing the errors in this account. the three XXXX XXXX advised me that they sent notice to this company which included my disputes, and the company responds as the account has been verified as accurate, according to 15U.S Code 1666 15U.S. Code1681 15U.SCode 1692 Only I can validate a debt, have the right to privacy and if a consumer disputes a billing error, the error can not be reported while under investigation.
Consumer complaint received 2022-02-11
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-11
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/2014 {$1400.00}.
Consumer complaint received 2022-02-11
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. (NJ)

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 2022-02-11
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. (FL)

I reached on XX/XX/2022 regarding hard inquiries on my credit report, and the company completely ignored my letter. The letter was requesting to have unauthorized hard inquires removed from my report, as I have no knowledge of these. I submitted a letter via US Mail on or about XX/XX/2022 requesting this be removed, and Experian has completely disregarded my request. I have submitted a new letter via US Mail as of XX/XX/2022.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I have {$100.00} statement credit in my Discover credit card. About 3 weeks ago I requested a refund check of this {$100.00} statement credit. However, I never received the credit balance refund check from Discover Bank. 

A few days ago I called Discover card customer service and requested stopping payment on the check and tranferring the {$100.00} to my bank account on file using ACH Transfer. 

However, so far I still have NOT received the {$100.00} ACH transfer in my bank account yet. I am extremely disappointed with Discover Bank and request Discover to refund me the {$100.00} via ACH Transfer to my bank account on file immediately without any further delay.
Consumer complaint received 2022-02-11
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. (PA)

I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-02-08
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. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-11
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. (MN)

An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ INACCURATE ADDRESSES AND PERSONAL INFO from my credit report immediately.
Consumer complaint received 2022-02-11
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. (AZ)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I filed a total of ( 3 ) FTC identity theft report for fraudulent accounts and inquiries showing on my EQUIFAX credit report and file ( each is attached ). I also sent an Affidavit of Truth on XX/XX/XXXX stating EQUIFAX violated 15 USC 1681b ( a ) ( 2 ) by furnishing a fraudulent account that I did not give written instruction to do. EQUIFAX finally deleted ALL of the items ( all accounts and inquiries ) from my credit report and file BUT did not comply completely, as they did not send me money via the invoice that was with the Affidavit of Truth. This violates 15 USC 1681n ( B ) of the FCRA. Pursuant to 15 USC 15 USC 1681n ( B ), EQUIFAX is liable to compensate me for each violating they committed. Now looking at all deletions, there is a total of 13 deletions. Deletion is admission. EQUIFAX deleted 10 inquiries and 3 fraudulent accounts, totaling 13 deletions. ( Proof of all is attached ) Therefore they are liable for EACH deletion. XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ( XXXX )