davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Hello, I have filed a compliant with Experian, XXXX  and XXXX  as I did apply for anything reflecting to this inquiries, and did not authorize or grant permissible for them to utilize my credit report. 

Please remove the following inquiries as they do a line with any account that I have : XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2023-07-06
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. (CA)

I'm never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX. Please repair and update these accounts immediately.
Consumer complaint received 2021-08-22
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. (PA)

I finally looked into my credit and saw Multiple accounts from XXXX After researching, I found out that they are a student loan company I've never encouraged if never incurred any stolen loans because I did not go to any schools so I demand this get deleted from my credit report ... ... ... Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency 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 item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2021-08-23
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. (OH)

ON XX/XX/2021 I SENT A LETTER 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-17
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. (OK)

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to Experian, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match my records. 

3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
Consumer complaint received 2023-07-06
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Consumer complaint received 2021-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MA)

I answered a call a few months ago from someone claiming to be representing a debt collection agency and they stated I owed over {$3000.00} to XXXX and they were collecting the debt. They asked me how I would pay. I told them I did not owe anything to XXXX and thought they had the wrong number. About a week later I received a letter from a credit collection agency saying I owed {$3300.00} to this collection agency from a XXXX debt. The letter said I had 60 days to dispute the claim or the agency had the right to continue to collect it from me. I sent a letter to them disputing the claim and I never heard back from them. Today I was trying to refinance the our house and the bank said that I have a {$3300.00} collection debt that was on my credit reports. I was shocked ... and upset. I do not owe anything to XXXX and am not in collection with any of my bills. I was never given any evidence of what this debt was and I had disputed the accusation. 

I called XXXX and they confirmed that I do not have any debt according to their records that they had no record that I had ever had a bad debt that went to collection. 

How can a collection agency place negative reports about me to a credit bureau without any proof that I owe a debt? Can they still post negative information and claim that you owe money after you submit a dispute? Can they make up any amount ... ..and just say that you owe it ... ..and if you don't pay they will try to ruin your credit and place false reports to credit agencies? 

What are the requirements for reporting debt on someones record? What proof is required? This seems so crazy. The bank representative helping me with my refinance also indicated that this looks strange and the agency submitting the claim is difficult to find ... after a number clicks/searching I found that it is. 

Cavalry Portfolio Services COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I want this company to retract the report they sent to the creditors. They have no evidence that I owe anything ... as XXXX directly confirmed that I have no debt with them or record of unresolved debt. Now this false claim has impacted my credit score and my ability to do things like refinance my home or take out a loan.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Jim Bottin Enterprises, Inc (MD)

Okay I have worked all my life i am still legally married but I never a divorce I left him XXXX now since I then I worked always i only got unemployment i time and that was in XXXX or XXXX I applied for unemployment benefits in XXXX I waited from XXXX XXXX the approved me I didn't have a card tho so I didn't get my card tell XXXX my case was close XX/XX/XXXX I also was getting XXXX at the same time and they didn't give me all mines so around that time XXXX XXXX XXXX XXXX XXXX XXXX its expected for unemployment my back up pay Also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these people have access to my phone my apps they have app that control it from the phone watch computer tablet they XXXX XXXX email or different one and old age differe nt state or international they go threw you tube XXXX XXXX XXXX any app that takes wire transfer or XXXX  its a donation but its a purchase they even using my identity and its wrong and isn't justice I still have not received one payment not a settlement unemployment equifax breach transition nothing not one drop they have not fix my credit we did score its people every where I go they use my aid off my re ci I was Nt a court hear to settle this whole theft cause I have not seen one cent
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit freeze with TransUnion. On XX/XX/2021, I lifted the freeze for the purpose of obtaining credit. A day later, when I attempted to open the new account, I was not able to and was told my TransUnion file was frozen. I thought I had made an error, so I tried once more. 

This time I lifted the freeze for three full days ( XXXX XXXX ). I returned to the store on XX/XX/XXXX and attempted to open the new account. Once again the credit check failed because my TU file was frozen. Although I have confirmation that the freeze was lifted, the credit check was stopped again. 

I found myself in a busy store, surrounded by strangers, on the phone having to repeat sensitive information to a credit representative at the company where I was seeking the account. I was able to obtain the new account, but the experience of reciting my personal information aloud in a crowded store was highly inappropriate. 

I have tried to contact TransUnion to learn what the issue was. I managed to reach a human by contacting the technical issues number, and the woman I spoke to, XXXX, was irritated that I had called that line, since my question was, in her words, " not my job. '' She transferred me to another line that offered only automated choices, none of which allowed a consumer to ask a question. I tried several of the automated selections for assistance, and each time ended up back in the loop with no option to speak with a representative.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (CA)

I entered into a settlement of my debt due to COVID-19 and made every monthly payment of the settlement. Despite timely monthly payments, I am being reported as 60 days late which is not the status of the accommodation. My FICO has dropped over XXXX points, impacting my ability to refinance.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had ATM withdrawals totalling XXXX taken from my edd bank of America card within 2 days.I have alerts set up on my phone but never received any alerts.I went to withdrawal money and ATM said I've exceeded my daily amount, so I went on my phone and there were all the withdrawls.I immediately contacted Bank of America to report this and got issued a new card and filed a claim.I also got a police report, like they asked and they still are closing my claim.Now they are asking me to provide a letter from who I was with at the time of these withdrawals, which I am now doing.It is awful that I'm doing all this and they keep closing my claim still.What else can I do.I also asked if they could look at the cameras at the ATM machine this was done at, and I was told they weren't working that day.
Consumer complaint received 2021-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC. (CA)

It all started with a credit repair agency by the name of XXXX. They were supposed to settle with several creditors. In the end they only settled with two. I was told by them that they had found a company that would pay off all the creditors that they were unable to settle with. The next thing I know it was Cash Call that supposedly paid off {$18000.00} to creditors. I did not owe that much. The payments were so high and me and my family are struggling. I called and spoke to a representative and explained my situation. The original pay was for $ XXXX, and now it's {$400.00}, like that is some help. I explained that I was on a new job making less money. I will be paying this amount until 2025. 
All the creditors that was supposed to be paid went into charge-offs. I can't understand if that is the case what am I paying Cash Call for other than a mean nasty deal that got. I have read that XXXX and Cash Call are in the same building in XXXX XXXX, CA. I feel I'm being preyed upon by this lender. I don't think they will free me from this ill-gotten loan on their part. Thanks for any advice or help.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Credit Services, LLC (PA)

A job place that I had applied for checked my background information and this information seems to be be very in accurate it must belong to someone else because I never went to jail in XXXX or XXXX nor did I have a criminal background that early in my life this is a huge error and Im very upset to see this
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.A.Rogers, Inc. (NM)

I have not received correspondence as a result of numerous previous attempts to resolve this issue. 

I have contacted this creditor numerous times to reasonably resolve a repossession issue, but am getting the run around. I have asked for the payoff amount and am now being told three separate amounts. XXXX  is reporting {$7700.00}, XXXX  is reporting {$9400.00} with a collections account AND the original account for {$7700.00} meaning that this account is affecting my credit twice, and the creditor themselves are saying the pay-off amount is {$9300.00}. The car was completely undriveable ( a total lemon ) within days after purchase. The dealership ( XXXX XXXX in XXXX NM ) said that the issue of the car shaking immediately after purchase would be covered under warranty and to go to the XXXX dealer. We went to the XXXX dealer and the issue was not covered under warranty. After losing employment due to the car no longer running shortly after purchase, I asked repeatedly for the car to be returned to the creditor. It took months for them to finally come get the car. The car was sold at auction, bringing in earnings and the total amount owed down from the loan. 

Should this issue remain unable to be resolved, I am requesting this information is REMOVED from my credit report, as it is reporting vastly differently across all three credit bureaus and violating the FCRA regarding fair consistent balances reported across bureaus. I will be escalating this issue should these legal violations continue.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear CFPB, I have been in constant contact with TransUnion for the issue of unauthorized inquiries since XX/XX/2021 up to now ( XX/XX/2021 ). I have been asking TransUnion to delete the following inquiries and to send an updated and corrected credit report to my address. 

As you can see there are numerous and countless letters that I have sent to TransUnion and the only reply I get is that of Inquiries are a factual record and therefore can not be removed. These unauthorized inquiries are really hurting my chances to get a refinance loan at a great rate and are really detrimental to my credit scores. 

I hope that your office can change TransUnions mind and steer them to removing these unauthorized inquiries. Is it not a violation to report inaccurate, incorrect, incomplete and erroneous information once you have been informed to the fact that this information is wrong? 


Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

Puget Sounds Collect has been reporting 2 collections on my credit file that they do not belong to me. I requested via certified mail validations of the debt with a specific requirements which they did not meet and in response all they send was a letter with a bill in a positive balance and a copy of what it seems to be a bill with a positive balance from a medical facility which is clearly a violation of the HIPPA Law, I also send them a letter certified mail to stop harassing me or cease and desist and they continue to report the 2 collections accounts on my credit file, I noticed they are violating federal laws 15usc1692b ( 5 ) and 1692f ( 8 ) by sending me mail with their company logos and balances stating they attempting to collect a debt which is another federal violation 15usc1692b ( 2 ). they are currently sharing my information illegally by reporting it to the CRA 's because, I never gave consent for any of my personal information to be shared nor this ALLGED debt belongs to me. The amount of the alleged debts are {$740.00} and {$140.00}
Consumer complaint received 2021-08-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (MO)

Cain and Weiner is a debt collections company used by XXXX XXXX XXXX XXXX. 
Caine & Wiener been contacting myself and stating a company that I was affiliated with owed a much larger balance to the original creditor. They stated the balance was a certain amount and in fact the actual amount is much lower.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2021-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certegy Holdings, LLC (CA)

I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX XXXX XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. 

I have listed Certegy as the origin of the " debt. '' It does appear that XXXX uses Certegy but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - Certegy Payment Solutions , LLC and the " collectors '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.