davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-23
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: BARCLAYS BANK DELAWARE (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

I am writing to notify you of fraudulent accounts and inquiries on my credit report due to a recent identity theft incident. I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) regarding this matter ( Report Number : XXXX ). The breach resulted in several accounts being opened in my name and unauthorized credit inquiries, which have significantly impacted my XXXX XXXX and financial standing. The following is my full statement of the crime : I was the victim of a data breach that led to unauthorized use of my personal information, including my name and Social Security number. Fraudulent accounts were opened, and inquiries were made without my knowledge or consent. The unauthorized accounts and inquiries are reflected on my credit reports with XXXX, Experian, and XXXX. This breach has caused a decline in my XXXX XXXX, and I am now being held liable for debts I did not incur. 

Affected Accounts : The following accounts were opened fraudulently using my personal information. I request their immediate removal from my credit file : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXXXXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) Fraudulent Credit Inquiries : Additionally, the following credit inquiries were made without my authorization and need to be removed from my credit reports : 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 These accounts and inquiries were not initiated or authorized by me, and I am a victim of identity theft. As such, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request that these accounts and inquiries be permanently removed from my credit reports, and that any associated collection activity cease immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-23
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: NAVY FEDERAL CREDIT UNION (TX)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Please change the status to Paid or simply " Remove '' the account.
Consumer complaint received 2023-07-24
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. (OH)

I spoke with a representative named XXXX with XXXX XXXX in regards to making a correction on my credit report to remove the following delinquencies : XXXX XXXXXXXX Account # XXXX XXXX days past due for XX/XX/2023, XX/XX/2023 and XXXX days past due. 

Representative promised to remove said delinquencies. Attached is also a letter received from XXXX XXXXXXXX dated XX/XX/2023, promising to remove said delinquencies. No action to remove the items has been taken or no corrections have been reflected on my report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OR)

On or around XX/XX/XXXX I noticed unauthorized inquires on my report. I have not applied for any credit in the last XXXX months. I am a victim of identity theft and these inquires are fraud. 15 USC 1681 & 1692. These inquires have illegally been reported on my consumer report and the credit bureau are in violation of my consumer right and the FCRA
Consumer complaint received 2020-04-22
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. (WA)

In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from XXXX. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid the bill. However, I explained the reason that I never receive my bank statement which causes me didn't know my checking account did not have enough funds to pay the auto payment system through XXXX, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to on impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill online especially with the auto payment system. Truthfully, in never have 30 days past due with any loans with the lenders due I can keep track and manage my fiance and bill payment very well with bank statements by mail, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with XXXX and the three credit reports bureaus asap. Thank you! Stay Safty. XXXX XXXX XXXX Note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The three credit report bureaus : Transunion LLC XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXX
Consumer complaint received 2020-04-22
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. (MD)

XXXX XXXX, XXXX has reported a collections account to my credit reports in the amount of {$260.00}. 

They are in direct violation of the Fair Debt Collection Practices Act. 

I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from USPS and can clearly see nothing from XXXX XXXX was ever sent. 

XXXX  XXXX has violated articles 807, 808, 809 and 812 to name a few.
Consumer complaint received 2021-10-23
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The bureaus reporting are XXXX, XXXX, and XXXX. Thank you!
Consumer complaint received 2021-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

On XX/XX/2021, I received an email from the Department of Education advising that I consider re-establishing Direct Debit for my Federal Student Loans with my servicer ( FedLoan Servicing ). On XX/XX/2021, I visited the FedLoan Servicing website to re-establish my Direct Debit. Following the re-establishment of my Direct Debit, I am now simultaneously receiving conflicting information about my monthly payment due date on two different screens within the FedLoan Servicing website. On the payment due date screen, the website displays my original payment due date of the XXXX of the month. On the Direct Debit screen, my payment due date is now reflected as the XXXX of the month. I did not request a change to the XXXX of the month. Additionally, I do not believe that I received any correspondence regarding a payment due date change. I would like my payment due date to remain the XXXX of the month ( or another date that falls in every month of the year [ e.g. NOT the XXXX, XXXX, or XXXX ] ). Because of the new, conflicting information on the Direct Debit page, I am unable to discern accurate information about my student loans. Due to this conflicting information, it is obvious FedLoan is giving me incorrect information somewhere on the website.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MO)

1. XXXX XX/XX/2020 : Requested a Balance Transfer from CiTi Credit Card # XXXX to my XXXX Checking Account # XXXX for {$1500.00}, a total of {$1500.00} with a {$45.00} fee. 
2. XXXX XXXX - XXXX XX/XX/2020 : Multiple inquiries with both XXXX and CiTi trying to locate the monies. 
3. XXXX XX/XX/2020 : Received letter from CiTi detailing the transaction. Please note that the Tracer # is not accurate. ACH numbers are 15 digits. Provided XXXX with the same information. 
4. XXXX XX/XX/2020 : Received letter from XXXX detailing the results of their investigation : Monies were not deposited. 
5. Date Unknown : Received what appears to be a copy of microfiche from CiTi detailing the transaction. Again, please note that the Tracer number is a null field ( XX/XX/XXXX). Numerous calls to CiTi attempting to get a valid ACH # have been unsuccessful. This document was also provided to XXXX. 
6. XXXX XX/XX/2020 : Attempted a three-way call ( myself, XXXX, CiTi ) ; CiTi advised that their rules did not permit it.
Consumer complaint received 2024-10-22
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. (MO)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : MO FAMILY SUPPORT DIVI - XXXX - XX/XX/XXXX - {$3500.00} 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Collections Enterprise, Inc. (MD)

On XX/XX/XXXX I called because I was trying to pay a debt. The woman hung up after she recieved my bank information. I made several follow up calls to attempt to get a record of the recieved payment and see when the payment would be reported to the credit bureaus. I was transferred and hung up several times. I was told I'd be given a call back, which I never recieved. On XX/XX/XXXX the representative who collected my bank info called me back not to return my call but because she transposed the number! She would not answer any of my questions and had the audacity to charge me an extra fee. I told her she must of transposed the number and tried to inquire further about how I would get a copy of reciept of payment. She caught an attitude and had to " transfer '' me at which point I was put on hold for 15 mins and someone from compliance answered. I submitted a complaint on the service I was recieved, which was completely ignored. She said she would review the call to see if I what I said was what was written and call me back on XX/XX/XXXX. It is now XX/XX/XXXX and no one has called me nor amI able to get a hold of the person I initially spoke to in " compliance, '' completely unprofessionally and rude company.
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (DE)

Transworld Systems Inc " robo called '' the house and said they were a collections company and to call them back at XXXX XXXX XXXX XXXX XXXX. I called them back and spoke to a woman and asked her a few questions and said it was inappropriate for them to be calling during a global pandemic. I asked to speak to a manager and she hung up on me. I called back from same number and they picked up and hung up again. I called again from a different number and spoke to a woman named XXXX. I told XXXX I was displeased and asked to speak to the manager. She said she would see if she could get ahold of the manager as they were all working from home. I sat on hold for 15 minutes of her attempting to contact a manager and waiting for a response. She then claimed her computer was crashing and that she may not get ahold of her manager due to that. I told her I would wait till her computer rebooted. She left me on hold for another 15 minutes and then said she was ready to transfer me to the manager " XXXX XXXX '' *. Thirty seconds after her saying she was transferring me the call was dropped. Third time I was hung up on in one day. I have never received a single piece of mail from this company claiming I owe anything. I also believe due to the global pandemic, it is an extremely inappropriate time to be collecting debt. No one is working to pay debt
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ) a cell phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a cell phone account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ [ private ] that appears related to the aforementioned cell phone account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-21
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. (MD)

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : 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  In addition to these fraudulent accounts, I've noticed several hard inquiries XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-22
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. (MN)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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. (NY)

in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 sections 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 angency can not furnish a account without my written instrutions
Consumer complaint received 2024-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (NH)

I looked on my credit report and a debt was added to my collections for the amount of XXXX. It was added XX/XX/year>. It does not tell me what kind of debt it is. Its from the company Harris & Harris. I have never ever seen any medical bills on my credit report. I had no recollection of this going to collections. I assume it is a medical bill because I visited the hospital out of state and didnt have my insurance card on me. I got nothing from the hospital that I stayed at and didnt remember the name of the hospital to call because I only visited it briefly.
Consumer complaint received 2024-10-22
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this