davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I, XXXX XXXX, an consumer, sent XXXX, EXPERIAN, XXXX certified mail via USPS. However, According to my consumer report that I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX Account # XXXX XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX  XXXX, Account # XXXX XX/XX/XXXX of listed payment XXXX. XXXX XXXX, Account # XXXX XX/XX/XXXX of listed late Any information listed on my consumer report must be verified. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. Kind Regards XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management INC. refuse to give me all the information that I am requesting for verification as of these -Proof of the original contract bearing my personal signature : -Proof that I entered into a contract with Midland Credit Management INC -Pay Of Disclosure : -Interest Rate Disclosure : -Balance History : -Payment History : -Credit Insurance : The have sent me over 100 pages of a contract that I know nothing about, and not showing me anything i'm asking. 

They have had numerous chances to produce the information i'm seeking, but yet fail to do so. By Law they have 30 days and it's been well over 100 + days.
Consumer complaint received 2022-02-23
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. (MI)

I am name is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

Chapter XXXX bankruptcy discharged Reference number : XXXX Amount : -
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX  are reporting the same account furnish by Dept EDXXXX XXXX with two different account numbers, there can only be one. The payment history is incorrect and confusing, it shows 90 and 120 day lates following a made payment. XXXX  is reporting 120 day late for XX/XX/XXXX and XX/XX/XXXX, but Transunion is not. This information must be the same. The payment status field is reporting different. This account has been verified as accurate when it is not.
Consumer complaint received 2022-02-23
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 2022-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a loan with the accounts mentioned below. The current statuses should not be showing late because I always made my payments on time. EQUIFAX lacks proper record keeping. These accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (CA)

Solicitation masked as official government notice about XXXX XXXX. Fake info about XXXX XXXX eligibility bringing about lower rates that magically visit upon the borrower. This is a known scam. 

it is fine to receive an offer to refinance a mortgage, but not to lie and mislead the recipient of the letter that there is an official government program behind the offer, when there is not. 

Company listed as JFQ Lending, IncXXXX XXXX
Consumer complaint received 2022-02-23
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 — 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit 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 XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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. (IL)

In accordance with Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to 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
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian needs to fix the issues about the inaccurate information of the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries I am disputing : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

The first phone call I had with I.Q Data International Inc. was a year and a half ago horrible experience. The lady got so rude because I wanted to make payment arrangements because I couldnt pay the full amount of {$540.00} and she wanted the full amount paid. Claiming I had enough money to pay according to her calculations because she knew what my monthly expenses were. She was demanding repeatedly I pay with my credit card I told her I wasnt going to do that and since I wasnt getting anywhere with her I hung up. Months later I got on the phone with them again and this time it was a man and the same thing happened and once again I hung up the phone. I thought this can not be the way they treat people so I called again same situation asked to speak to someone else and it just got worse and so I hung up the phone again. In XX/XX/2022 I got a letter the amount is now {$620.00} the letter says I can settle by up to 30 % if I pay by XX/XX/2022 so I called today ( XX/XX/2022 ) I told the man that answered I got a letter saying I could settle the account for 30 % he says you can do that or you can pay the full amount and have it removed from your credit? I said no I want to settle he says I have to see if you qualify for hardship ( no where in the letter it says that I have to qualify and get approved for that 30 % ) he went on to ask me how much was my rent, car payment, monthly credit card bill, and if I got a personal loan I said yes, he also asked if I was collecting unemployment I said no. Told me to hold on he came back on the line and asked again if I wanted to pay the full amount and have it removed from my credit told him again no, then he says its {$520.00} told him I couldnt pay that then his tone of voice change asked me how much I could pay, I said {$200.00} and he got more aggressive and loud saying thats not even 30 %? 30 % is like {$400.00}? this is why you dont qualify for hardship because you refuse to pay. Pay with your credit card and be done with it I said no Im not using my credit card. He says you got a personal loan why didnt you pay it? I said I had to use the money for something else ( got this loan a few months after COVID started to pay rent because I was unemployed and my husband work was very slow ) and he says in a very harsh voice Im not here to hear your excuses! At this point I had enough and hung up the phone. I have made several attempts to pay them but instead they get so aggressive, rude, demanding, trying to intimidate me by the way they talk because they want to force me to pay the full amount with my credit card. They sent a letter and dont want to honor what they say. The letter says to call in order to secure the offers instead they get you to try to pay the full amount and if you disagree they insult you in anyway they can.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (IL)

In XX/XX/XXXX, based on a friend 's recommendation, I visited a vacation rental home website to rent her neighbor 's property in XXXX, California, USA. The vacation rental home website is called : XXXX. I used the right side of the website called " Contact Owner '' to reach out to the owner. I received an email from the owner, XXXX, who let me know that the property was only available for 26 days at a time, as such, I did not move forward. I also received another email from the email address : XXXX. The contact was named XXXX XXXX who asked for desired check-in/out dates, number of bedrooms, and preferred location. He also asked about preferred budget and stated that he manages a lot of properties and could offer an attractive discount. I responded with my preferences and he sent an offer for a vacation rental property. He included a link to view the property via XXXX. I asked for the address of the property and he provided the following address : XXXX XXXX XXXX XXXX, California. He let me know that 50 % of the total was due as a deposit and the remaining amount was due 30 days prior to the arrival date. He also let me know that the owners of the property live in XXXX and require payment with the company XXXX ( formerly TransferWise ). I recognize XXXX as I have used the company in the past and already had an account. Therefore, on XX/XX/XXXX, I sent the money through XXXX to the stated " Owners '' of the property : XXXX XXXX and XXXX XXXX. 
Eight days later, I realized that the transaction was a scam after Googling the email address ( XXXX ). There were at least 20 reviewers with similar experiences that claimed this entity was a scammer for rental properties. At this point ( on XX/XX/XXXX ), I reached back out to XXXX via email to ask for the money back, and he agreed to send the money via check to my mailing address. However, the check did not arrive. I let him know that the money did not arrive and asked him to reverse the XXXX transaction. However, I did not receive a response from XXXX. After this, I contacted my bank. My bank provided a temporary reimbursement while an investigation was performed. After the investigation was complete 60 days later ( XX/XX/XXXX ), the reimbursement was removed since my bank determined that XXXX is the company responsible in this matter. As such, I am looking to get a refund for the amount with XXXX.
Consumer complaint received 2022-02-23
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. (GA)

I received a copy of my credit reports in XX/XX/XXXX from Transunion, XXXX, and XXXX am disputing some items that need to be deleted. There are inaccurate accounts and information listed on reports that I did not authorize anyone to open neither these companies to report on my history. I am assuming my information is at high risk of identity theft and fraud which is prohibiting me from acquiring a new home. 

XXXX XXXX XXXX received letter on XX/XX/XXXX, XXXX XX/XX/XXXX, and Transunion XX/XX/XXXX. Its been well over 30 days with no response from any companies. According to the provisions of the Fair Credit Reporting Act these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please see attached USPS Certified Mail Receipts of Dispute Letters sent to credit bureaus agencies.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (TX)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-02-23
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. (SC)

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation o the following late payment is inaccurate. Please investigate and verify that all data for this account is reportin accurately including every notation date and balance whether reported or not. 
Account Name : XXXXXXXX XXXX Account Name : XXXX XXXX Account Name : DEPT OF ED/XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracgy and completeness of the information. I have read that this must be provided withing 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed withing 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

TRANSWORLD SYSTEM INCXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX The company promise to paid to delete which it shows and they still have not done so. I've called them on XX/XX/XXXX asking about it and she said they can't find where it was mention.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Since XX/XX/2019 I have been trying to resolve an issue with Equifax where companies are unable to pull up my credit score or credit report. I have attempted to sign up for credit monitoring, apply for a mortgage, pull my credit report from XXXX XXXX XXXX,  Equifax directly, and no one including Equifax can pull my score or credit report. I have been told over the multiple phone calls with Equifax in multiple departments that no one has seen this issue and they are unsure how to fix the issues I am having. I have spent countless hours on the phone with Equifax and send it various documents they have requested and I still cant get this issue resolved. I am in the process of trying to purchase a home, but the mortgage companies can not pull my score or credit report. This issue is holding me back from purchasing a home and I dont know how else to get this issue resolved. Every single call I have made to Equifax has gotten me no closer to a resolution.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX And the FTC. 

These people lie about everything. When I protested they sent police. They got me put in a XXXX. We left the state because they destroyed our lives. They continued to pursue the charges relentlessly, hiding evidence of criminal fraud and passing from department to department because no one will ever hold them accountable. 

They are no better than the criminals. They are even worse, they process the transactions for the criminals.
Consumer complaint received 2022-02-23
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. (IL)

In accordance with Fair Credit Reporting act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Bankruptcy XXXX XXXX  account XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to 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