davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Credit Systems, L.P. (VA)

I never received any written notification about the alleged debt, and now they are reporting false information on my credit files, continuing to call telling me they're going to take me to court. This is not my account nor my debt. I am a victim of XXXX XXXX XXXX.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. Now I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. What was sent to me was a copy for the monthly statements. That is not proof that the account is fine. I've sent in Identity Theft Documents previously and FTC Report and yet i have not received anything in the mail. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2022-02-17
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. (GA)

The consumer reporting agency violated XXXX XXXX XXXX XXXX ( XXXX ) by furnishing a XXXX XXXX XXXXXXXX account on my consumer report without my written permission. I never gave the consumer reporting agencies written permission to furnish XXXX XXXX XXXXXXXX on my consumer report.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (FL)

Until today, I was a customer of Marcus by Goldman Sachs. On XX/XX/XXXX, I called Marcus to make a wire transfer to an escrow agent. I requested to send {$39000.00}, and it was sent without issue. When I attempted to wire the remaining amount due for the down payment on my home on XX/XX/XXXX, I was told that Marcus could not send wires to external accounts that do not belong to me. Only at this point was I informed that Marcus had made an exception in the earlier wire transfer. I was forced to wire to another checking account that belongs to me, delaying my closing. I asked that all funds be wired and my account closed. The funds were wired from Marcus to my external checking account after a business day, but all access to my transaction history at Marcus was also eliminated. The customer service agents claim that there is no way for them to generate a transaction history ( required by my mortgage lender ). They claim that they can only send a letter with limited information, by mail. This is an unnecessary inconvenience that is further delaying closing on my home. I believe this policy is in place as a form of retribution for closing accounts. Policies are clearly not applied consistently, and the bank appears to intentionally make it difficult to access funds.
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion 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 TransUnion 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to seek remedy of the situation but would not help me correct these fraudulent an inaccurate accounts. 
1.XXXX  account # XXXX date open : XX/XX/XXXX balance : {$440.00} 2. XXXX XXXX account # XXXX date open : XX/XX/XXXX balance : {$320.00} 3.XXXX XXXXl ( original creditor:XXXX XXXX account # XXXX date open : XX/XX/XXXX 4. XXXX XXXX ( original creditor:XXXX XXXX ) account XXXX XXXX date opened : XX/XX/XXXX balance : {$100.00} 5. XXXX XXXX ( original creditor : XXXX  ) account # XXXX date opened:XXXX balanced : {$380.00}
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

I have repeatedly contacted XXXX about an inaccurate account that's reporting on my credit file. After several attempts of trying to find out who they verified this information from, they finally told me they verified the bankruptcy that's reporting on my account with Lexis Nexis. I called Lexis Nexis to see if XXXX had reached out to them about a dispute and they said that XXXX did not reach out to them at all to inquire about my credit file. They also confirmed that I do not have a bankruptcy reporting on both of my credit files with them. Lexis Nexis said they would send out my new credit file to XXXX so that they can update my credit file and remove the bankruptcy. They also said that XXXX shares a database system with them so XXXX can update their files, but often times they do not. I called XXXX on XX/XX/2022 to explain this to them and they said that LexisNexis has to send them an electronic file so they can update my credit file. LexisNexis told me that they sent out my dispute and new credit file in XX/XX/2022 to XXXX and XXXX has received it, but has yet to respond to it. This is completely detrimental to my livelihood. I have an account thats reporting inaccurately on my credit report and I have proof thats its inaccurate and XXXX will not remove it. This is unfair and a violation of my consumer rights according to the FCRA. I have shown verifiable proof that this account is inaccurate and XXXX is ignoring the proof and they are not doing a proper investigation.
Consumer complaint received 2022-02-17
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. (TX)

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, DE XXXX have been reporting on my credit report inaccurate information without my written consent. I have sent numerous of dispute letters for XXXX to remove this off my credit report and they failed to do so. The original amount balance went from {$9700.00} to {$26000.00}. Here are all the dates trying to resolve this matter : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (NY)

This is the 4th time in the past 3 years that XXXX is trying to collect a payment that was disputed a closed by the CFPB ( see previous closed collections ). I feel being harassed by XXXX by keep trying to get payment not owed that was closed from the very first collection Agency. When will they stop?
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MS)

This is a copy of my email that was sent to XXXX XXXX XXXX XXXX, XXXX My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I check my credit score occasionally and the last time I checked it I had two ( 2 ) derogatory remarks due to a Collection/Chargeoffs. At the time all of the information I had was the name of the collection agency. I contacted them. They told me that my name, Social Security Number and date of birth matched the information on file for whomever used my identity to obtain electricity in the State of XXXX. I have never lived in XXXX. I was told they would note it on their account but I would need to contact the local police and file a report and then go to the identity theft website and complete the necessary information. I did go to the police but because I live in the county I would have to contact the Sheriff 's Department to file the report. I had officer XXXX XXXX of the XXXX XXXX County Sheriff 's Department come out to my home. After explaining and requesting a report he advised that because this involves two state ( XXXX XXXX XXXX ) I would need to go to the website XXXX and proceed to filling out the Fraud Complaint online. This week I received a collection letter from Convergent Outsourcing , Inc. demanding {$700.00} which was 80 % of the full amount of {$870.00}. I contacted them and relayed this same information. The gentleman told me I may also need to complete a fraudulent packet with XXXX XXXX XXXX XXXX, XXXX. Obviously this is very frustrating that as the victim of this activity I am having to go to such lengths to clear my name because of another 's incredulous acts and over {$800.00} at that. Please advise. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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: Navient Solutions, LLC. (TX)

Navient Solution LLC at XXXX XXXX XXXX XXXX, XXXX, DE XXXX have been reporting on my credit report inaccurate information without my written consent. I have sent numerous of dispute letters for Navient to remove this off my credit report and they failed to do so. The original amount balance went from {$9700.00} to {$26000.00}. Here are all the dates trying to resolve this matter : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-17
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 — Problem with personal statement of dispute
Company: The Outsource Group, Inc (AZ)

Contacted the collector on XX/XX/XXXX was told there was medical collection account from XXXX, reported in XX/XX/XXXX. Advised never received correspondence, they verified my address said their envelopes are blank and the name of their company is not visible therefore do not know it's medical collection statement. I was told if it was paid in full would be deleted. I paid {$310.00} the same day, however they have marked it as paid closed vs deleted as promised.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1. XXXX XXXX is reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX Transunion and XXXX profile : XXXX XXXX and XXXX XXXX 2. XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2024 Complainants Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX pa  XXXX Email : XXXX Phone Number : XXXX XXXX Account Number : XXXX Dear CFPB, I am writing to file a formal complaint regarding a late payment that has been reported on my Nordstrom credit card account, which I believe to be inaccurate and unfair. I respectfully request your assistance in getting this late payment removed from my credit report. 

Issue : On XX/XX/2024, Nordstrom reported a late payment on my credit card account, which has adversely impacted my credit score. I am disputing this late payment for the following reasons : The payment was not taken out of my account but I have since paid off the card almost in full. I have reached out to Nordstrom 's customer service team on several occasions, but despite my efforts to resolve the matter amicably, they have not been willing to remove the late payment from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

I have never done business with Jefferson Capital System nor do I owe them any debt. I had an XXXX credit card over 7 years ago that was charged off. XXXX never reported it as a collection. XXXX removed the account recently as its now over 7 years old. Without having any communication with me whatsoever, Jefferson Capital Systems reported to the credit agencies that I owe them the debt and they are reporting it as a brand new account and as a collection account. I have disputed this with XXXX, XXXX and XXXX but none of the agencies will remove this collection from my credit report and they are leaving it as is.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Chapter 7 Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (CA)

I tried to use my credit card for XXXX purchases. All XXXX were immediately declined. I reached out to the credit card company XXXX times. Both times. They said that I was using the card incorrectly and then I had to manually enter the information. So the last time I manually entered the information and it still declined the card. They said that there's nothing wrong with the card and there's nothing they can do at this time.
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jenkins, Wagnon & Young, P.C. (TX)

I paid an XXXX XXXX  for the agreed upon amount and the company refuses to provide official receipt of payment. The company refuses to provide a letter stating they will update my credit report to accurately show the debt paid. I am a XXXX XXXX XXXX veteran facing homelessness because I can not be approved for a home loan without receipt that this was settled.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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 XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. 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 XXXX 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 XXXX 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 XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX 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  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
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. (NY)

Dates : Amounts : Action : Sent certified mail and notarize disputes and FTC Fraud affidavit and still reporting inaccuracy and did not prove how they verified.
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. 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'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohls/Capital One is reporting a debt on my credit report and I have requested several times they supply me with verification and validation of debt per my right under the FDPCA section 809 a and b. They refuse to provide but continue to report this debt on my credit. I am in the process of buying a home and if I lose this house I will hire and attorney and see damages actual and statutory damages. I have no problem sharing my story with the media as well to let them know exactly how Capital One treats consumers. I am giving you the opportunity to correct this first.