davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-15
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. (NJ)

Choose according to account type. These can be combined 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 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (VA)

Continue to receive phone calls from this company, even though I have taken the required steps to inform them that the number they are calling is not for the person they are attempting to contact. Some XXXX or XXXX XXXX had this number before I did. I have had this number for close to 4 years already.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (VA)

Name : XXXX XXXX XXXX Address : XXXX Little XXXX XXXX, Spout Spring, VA XXXX Email : XXXX My complaint is against Experian concerning my Chapter XXXX Bankruptcy dispute. 
Report # XXXX XXXX XXXX CT VA XXXX XXXX XXXX XXXX # XXXX On XX/XX/2021, I sent a notarized, certified dispute letter including a letter from the courthouse stating that they do not subscribe to the Experian agency to be able to report this public record on my credit report. Experian responded, " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' Next, I disputed this account online XX/XX/2021, with the same response. On, XX/XX/2021, I spoke with an unprofessional, female Specialist with unknowledgeable comments that Experian never received my mailed documents which included a letter from the courthouse stating that they do not subscribe to your agency to report this public record on my credit report. The Specialist left me on hold for XXXX hours and XXXX minutes which I could hear other representatives working with their customers. Then the phone hung up. I am humiliated and will consider filing a complaint with CFPB if this account is not removed immediately. XXXX and XXXX removed/deleted this account XX/XX/2021.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TX)

I was able to create a checking and savings account with Citi Bank, but Citi bank has failed to provide me a debit card. I have been waiting for a month to receive this card. Until then, I am unable to access any part of my funds that Citi requested me to add during the initial process. Because of this experience, I want to close my account as this is not a easy task.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

sent certified letters out to : 1XXXX 2.TransUnion 3. And XXXX. Telling them I never lived at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX ). XXXX is the only bureau that checked their sources and depleted it off their report records. To this day, XXXX & Transunion has not. I think I may still have a copy of those letters. I have one more place I can check tomorrow If not I will go ahead with the following. Please find enclosed downloads which I investigated showing that this address is a business address and not a residential address. 

ATTACHMENTS XXXX ( XXXX MB ) XXXX ( XXXX MB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) View full complaint
Consumer complaint received 2022-02-16
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: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( COMENITYBANK/VICTORIA ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Consumer complaint received 2022-02-16
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. (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 Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act 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
Consumer complaint received 2022-02-16
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 719transunion has me at a score around 590. 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 XXXX 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 60days 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 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

XXXX XXXX sent me a message that I owe them and affirm XXXX when in fact I owe only {$0.00} cents! I tried to pay the amount in affirm on XX/XX/2024 multiples time but they blocked my account. I called customer service of affirm but even them cant help me. 

Cc US Attorney General XXXX XXXX NY GOV XXXX XXXX NY DFS NYC DA XXXX XXXX
Consumer complaint received 2022-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (NV)

On XX/XX/XXXX I contacted Bank of the West by telephone regarding a payment which was taken out of my account after a 3rd party purchaser paid off my loan balance of {$3000.00} on XX/XX/XXXX. The representative confirmed that there was an a payment which was taken out and that my funds would be reimbursed once I faxed in my bank statement showing the payment on XX/XX/XXXX. 

After that call to Bank of the West, I contacted my bank, XXXX XXXX to request a stop payment on any future payments from my account. I received a notice from Bank of the West dated XX/XX/XXXX which stated that I had a balance of {$610.00} due with a {$15.00} processing fee. 

I called Bank of the West and I was informed the balance that I owed was for a payment which was reversed on XX/XX/XXXX for a payment that was due for XX/XX/XXXX. After checking with my bank I was informed that there was no reversal in XXXX from the XXXX payment. 

I went in to Bank of the West on XXXX XXXX. in the city of XXXX to request additional assistance to contact customer support since I was being asked to again send in my bank statements showing the XXXX payment never being credited to my XXXX XXXX. 

I received a call today from a costumer service representative by the name of XXXX at phone number XXXX who again said that the balance owed is for my XXXX statement. After receiving the same information from XXXX. I received a call from XXXX at the XXXX office who said also that he was told it was for my XXXX statement. 

I have provided my bank statement to show that I was not reversed the amount which was for the XXXX statement. I was told that my bank has to reimburse me to make the missing payment. I really need help resolving this issue but the representatives at Bank of the West are not able to understand that I have not been reversed the XXXX statement even when I am providing my XXXX XXXX statement which clearly shows that the payment was made.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

l was taken advantage of due to malpractice while several laws were been broken under the FCRA law by company. This is causing financial injure, deformation of character. l can not get a job and can not even apply for credit card. l can not qualify for SDA loan as well. This has put me in a tight financial situation, making it hard for me to afford some basic staffs.

l want all negative items be removed or deleted from my credit because you are in direct violation of FCRA LAWS. 
I demand that all these negative items be removed from my credit.
Consumer complaint received 2022-02-16
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. (GA)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2022-02-15
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-02-16
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. (NY)

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 2022-02-15
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. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2024-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commercial Trade, Inc. (CA)

This debt collector is attempting to collect a debt that was legally voided based on the California Health Studio Services Law. The Health Studio, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, received written notification from me that I was invoking California Health Studio Services Law Civil Code 1812.89 ( b ), which allows a consumer to terminate a contract with a health studio if a consumer moves more than XXXX miles away. I property notified the studio and sent a the debt collector copies of my cancellation letter along with a written explanation and demand that they cease collection efforts. I have not heard back from the debt collector whatsoever and this item is still on my credit report.
Consumer complaint received 2022-02-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I sent numerous letters to the credit bureaus, creditors, and collection companies starting back from XXXX up till now. They violated my federal consumer laws. According to 15 usc 1681b ( a ) ( 2 ) it states In accordance with the written instructions of the consumer to whom it relates. Meaning i have to give them written premission to report this to my consumer report and i didnt. Some letters i sent certified mail and transunion simply decline my letter .I jus want them to know that im not working with a credit repair company i am the natural person, and online educaution is free now and days and please dnt asulat me againn
Consumer complaint received 2022-02-16
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. (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 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 21 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-16
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 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.