davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Acceptance Corporation (CA)

Good time of the day! 

I got an alert that my debt went into collections. 
I do not recognize the original creditor, I never received any bills. 
My credit score immediately dropped 86 points due to collection. 

The original creditor is XXXXXXXX XXXX XXXX XXXX  The collection agency is M LEONARD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX This seems like an identity fraud to me. 

Thank you, XXXX XXXX
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-10-18
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. (IL)

I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking and removal of the following fraudulent accounts and addresses from my consumer credit report. These accounts and addresses are a result of identity theft and fraud that occurred during my period of trafficking. I expect Experian to take action within the four business days as required by FCRA. 

The following accounts were fraudulently opened without my knowledge or consent : XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$13000.00} Date Opened : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$23000.00} Date Opened : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$3600.00} Date Opened : XXXX XXXX Additionally, the following addresses, which I have never resided at, were fraudulently added to my credit report and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claims, I have attached the following documentation, which has already been accepted by other credit bureaus for the removal of these fraudulent accounts and addresses : FCRA Section 605C Self-Attestation Form Notarized Identity Affidavit Notarized FTC Identity Theft Criminal Complaint # XXXX Notarized Utility Bill Proof of Removal from XXXX and other credit bureaus In addition, I am a victim of the XXXX XXXX XXXX ( proof attached ), which has further contributed to the misuse of my personal information.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian is reporting ths account as open and with a balance ... i was removed as an authorized user years ago,,, ,this should report paid and balance of {$0.00} ... i have tried multiple times to have them corrected and it comes back verified everytime ... they are not conducting proper investigations ...
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Regarding Inaccuracies and Time-Barred Debts on Experian Credit Report - Report No. XXXX Dear CFPB, I am writing to formally lodge a complaint regarding multiple inaccuracies and outdated information on my Experian credit report, reference number XXXX. These issues are affecting my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). 
The specific issues I am encountering are as follows : Inaccurate Information : My credit report contains numerous errors, including accounts I have not authorized or do not recognize. 
Time-Barred Debts : Many of the debts listed are past the statute of limitations for collection under Georgia law ( O.C.G.A. 9-3-25 ), which is four years. Despite this, they are still being reported as outstanding. 
Failure to Update Information : Several debts and negative items remain on my report well beyond the legally allowable reporting period. 
I have contacted Experian to dispute these inaccuracies, but they have failed to correct the errors within a reasonable timeframe. This unresolved situation is causing unnecessary harm to my credit score and financial standing. 

I kindly request that the CFPB intervene and ensure that Experian corrects the inaccuracies, removes all time-barred debts, and updates my credit report accordingly. I would also appreciate guidance on further steps to ensure my rights under the FCRA are upheld. 

Please feel free to contact me if additional information or documentation is required to investigate this matter further. I appreciate your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OK)

I have had a credit freeze on my Experian Account for years. I have had temporary lifts to allow my credit to be run for various things, car loans etc. Now Experian 's website portal to temporarily lift the freeze does not work, Experian contact number never puts you in touch with a live person and the online chat goes for hours and no one ever gets on to help. Based on the other online complaints I see others experience the same issue. By " breaking '' the portal Experian is fraudulently pushing their paid service, I would hope for the protection of the American public you help Experian see the necessity to provide a fully working web portal and actual customer service. 

XXXX Experian Freeze Lift Transaction # XXXX
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (KS)

My debit card was either lost or stolen. Someone used my debit card to buy something. Ive shut down that debit card and it can no longer be used. I was issued a new card. But the money was not returned.
Consumer complaint received 2021-07-02
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. (AZ)

On XX/XX/2021, I reached out with a demand to comply letter to TransUnion to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc. 1681 Account # XX/XX/year> XXXX, XX/XX/year> {$640.00}, XX/XX/year> XXXX has Violated my rights. 

15 u.s.c 1681 section 602A states I have the right of privacy.

15 u.s.c 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681 c ( a ). ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes antecedents the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-06
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: Experian Information Solutions Inc. (FL)

Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.
Consumer complaint received 2021-07-06
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)

Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (VA)

Stuart-Lippman is calling about case XXXX and asking me to call XXXX. As far as I know this is not my debt and I didn't open a case with them myself. I don't even know who they are.
Consumer complaint received 2021-07-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (CA)

Westlake financial customer service XXXX XXXX rep called me and told the call will not stop unless I paid today the sent me a email for request for payoff credit form and contract I never asked her for these things told me Im 4 day past the due date I said call cant continue if I have been notified she said they will this happened XX/XX/21 she pretty much just threatened to report to my credit if I dont pay her that day
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (FL)

Chime Bank took about {$7000.00} from my account with no explanation. Ive tried everyone and everything. Ive submitted countless complaints to FDIC, Chime & Other companies who claimed to help or would have a solution and some never emailed or called me back. So Im left with more questions than answers.
Consumer complaint received 2021-07-06
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. (AZ)

Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account numberXXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

on XXXX I sent a letter about items that were falsely put on my credit report for them to be taken off it is now XX/XX/XXXX I do know that due to covid response times may take longer than usual. I still feel like I am being taken advantage of and ignored, I have been patient and demand the negative items be deleted at once or I will seek litigation. my Information was also damaged due to the XXXX data breach. I hope someone can please hep me and get this false information removed
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

- I received a promotional offer for opening an account in late XX/XX/2020. 

- The promotional offer included a bonus cash deposit if TWO criteria were met - a minimum initial deposit within a certain time frame, and maintaining a minimum balance for a specified time frame. 

- I called the customer service line repeatedly, inquiring as to whether or not all criteria had been met in order to qualify for the promotional offer bonus cash deposit. 

- Every time I spoke with an associate, it was confirmed that all criteria had been met. 

- All of these phone calls were recorded. 

- When I ultimately called to inquire as to why I had not received the bonus yet, I was informed that upon review there was a third requirement ( minimum transactions ) that I had not met. I had not been informed of this requirement to-date, and this requirement was not included in the initial offer. 

- I have tried communicating with Bank Of America repeatedly about this issue, but with no success.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CADENCE BANCORPORATION (GA)

I made an electronic payment, the company never received it, found that out 5 weeks after the payment was made. So, a stop payment was issued, I was charged {$35.00} for that process, Cadence Bank said the funds, {$1700.00}, are being put back in my account on XX/XX/2021. As of XX/XX/2021, the funds have not been returned. When I call the bank, they tell that they are working on it.
Consumer complaint received 2021-07-06
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. (GA)

There were fraudulent applications submitted under my name. I contacted Equifax on 5 occasions by phone and certified mail and the info was not removed. 

XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

THIS IS NOT A DUPLICATE TO COMPLAINT # XXXX XXXX. THE PREVIOUS REPORT WAS OSED OUT BY TRANSUNION BEFORE THE INVESTIGATION WAS COMPLETED. TO : CONSUMER FINANCIAL PROTECTION BUREAU, PLEASE DO NOT ALLOW THIS COMPLAINT TO BE 'CLOSED OUT ' UNTILL ALL THE UNAUTHORIZED INQUIRIES HAVE BEEN PROPERLY VETTED, VERIFIED OR DELETED. HERE 'S WHAT SHOULD BE INVESTIGATEX BY TRANSUNION : ( Please forgive the cramped spacing ). 
1. ) XXXX XXXX inquiries 2. ) XXXX XXXX " 3. ) XXXX XXXX " 4. ) XXXX XXXX 5. ) XXXX 6. ) XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 2 inquiries 10. ) XXXX XXXX 11. ) XXXX XXXX XXXX 2 inquiries. 
12. ) XXXX XXXX XXXX 2 inquiries. 

S/S # XXXX D.O.B. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Ph # ( XXXX ) XXXX E-mail : XXXX XXXX
Consumer complaint received 2021-02-08
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: EQUIFAX, INC. (NY)

I've been attempting to remove fraudulent accounts from my credit report since XX/XX/2020. Its been over 7 months and the fraud accounts are still showing. The bureaus have been non responsive and for a process that should take 30 days has taken over 250 days with no end in sight. USPS tracking shows my letters are being delivered and signed for and yet the investigations haven't even been initiated. This is my last resort before I escalate this matter through the legal channels.
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I kindly ask you to delete these accounts because I do not recognize them and they are not mine at all. Suddenly they appeared in my profile so basically this is an error in reporting or I became a victim of identity theft. I do not accept it because its killing my score. SO REMOVE THEM