davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
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. (IL)

This is a formal complaint that the credit bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they are publishing for me. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Their response to my inaccuracies on my credit report have not been investigated only ignored by sending a copy of my credit report with no investigation results or updates. i am having issues updating wrong address and sadly something simple as wrong names of individuals on my report that as well.
Consumer complaint received 2022-01-09
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. (NJ)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, XXXX Account XXXX : XXXX
Consumer complaint received 2024-08-24
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. (MI)

In accordance with 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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My credit has been bad for years. Yes, I have student loans. Yes, I have some bad marks on my credit, BUT I have positive also. I have worked my way into having enough income to pay everything on time. I have had on-time payments for over a year. Is there no chance of ever improving my score no matter how long I pay my bills on time? I have under {$2000.00} in bad marks, but thousands and thousands of good ones. I am paying on my {$1800.00} in bad debts every. month. Is there no balance? This is in both Transunion and XXXX. I can't get anywhere. I can't get loans at any kind of reasonable rate. I can't get a home loan. I can't get anything. I am a XXXX-year-old XXXX XXXX XXXX holding, full-time working, tax paying citizen that can not get a higher credit score. The parameters needed to improve my credit score are too harsh and people like me need some kind of relief in sight or what is the point of moving forward?
Consumer complaint received 2022-01-09
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. (FL)

XXXX XXXX credit was paid off as shown in previous credit reports now they are showing I owe a balance and saying and giving me a bad credit report with this when it was paid in full
Consumer complaint received 2022-01-09
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. (TX)

The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since XXXX waiting for a response. i will not wait amount 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC report.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I have wrote these companies several times about the XXXX XXXX account reporting open on Equifax but closed and charged off as bad debt on XXXX. They are reporting different dates and different balances. To my knowledge this is a violation of the FCRA. The creditor keep giving reporting agencies inaccurate financial information about me. Inaccurate balance, reporting that my account is active after it was closed, reporting unknown consecutive payments when the account has been charged off.
Consumer complaint received 2022-01-09
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. (NY)

Hello I am having a few issues with XXXX, Transunion, and XXXX. These 3 agencies have been reporting incorrect information on my credit report. I have submitted multiple request to have incorrect information removed from my credit report and the agencies have not responded nor have they corrected this incorrect information. The credit bureaus are being negligent to my requests. There are multiple errors including CO payment history being reported on a payment timeline. Incorrect high balances across all bureaus, incorrect dates of last activity. Per the FCRA each credit bureau must report identical information in which none of them are doing so. There is also a credit card being reported on my credit report and it is not mine Ive requested this credit card be removed from my report multiple times to no avail. Also the credit bureaus are reporting some of my accounts as charge off a charge off is considered income not debt under consumer law.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (MI)

Dynamic Recovery keeps contacting and harassing me. They are a 3rd party debt collection agency. One debt is for XXXX and the other debt is XXXX. I do not owe them any money. I filed an Identity theft report and locked my credit report years ago. This debt was with XXXX and shouldve been removed form my credit report. when I checked its not on there. What gives them the right to come to me 15 years later and say I owe them money. 

I dont want them contacting me again the debts are not mine and not theirs to collect on. 
This is wrong and not fair to me. So before they go lying Im filing this complaint. I ve filed with them online letting them know I dont owe them any money Thank you XXXX XXXX
Consumer complaint received 2022-01-09
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. (NJ)

I am writing in reference to XXXX, XXXX, and Experian. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

XXXX XXXXXXXX keeps contacting and harassing me. They are a 3rd party debt collection agency. One debt is for XXXX and the other debt is XXXX. I do not owe them any money. I filed an Identity theft report and locked my credit report years ago. This debt was with Lvnv and shouldve been removed form my credit report. when I checked its not on there. What gives them the right to come to me 15 years later and say I owe them money. 

I dont want them contacting me again the debts are not mine and not theirs to collect on. 
This is wrong and not fair to me. So before they go lying Im filing this complaint. I ve filed with them online letting them know I dont owe them any money Thank you XXXX XXXX
Consumer complaint received 2022-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (OH)

I received a call on Monday, XX/XX/2022 and missed it. Upon looking up the phone number, I realized it was a collections company. Having dealt with their tactics 6 months prior in regards to identity theft on my wife, I immediately called MRS Associates back. I was advised of an outstanding balance due under my name and social security number for XXXX XXXX. I advised them this was identity theft and that I have never opened an account with XXXX, nor have I ever lived in Texas, which is the address on the account. MRS Associates advised me that I needed to file a police report stating as such and email to them. I submitted the requested documentation, including the police report, placed a fraud alert on my credit file, and still MRS Associates attached a delinquency on my credit account with all 3 major bureaus. I maintain a credit score over XXXX and now have wasted hours of my time and lost over XXXX points on my credit score because of their dishonest tactics when I was very transparent with them. XXXX XXXX XXXX XXXX is a collaborator with the criminals in these situations in allowing accounts to be opened without proper verification.
Consumer complaint received 2022-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : XXXX : XXXX CAPITAL ONE : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (KS)

On XX/XX/XXXX, Chime bank emailed me requesting documentation to keep my account active. I replied on XX/XX/XXXX requesting more time. On XX/XX/XXXX, they closed my account. I provided requested documents on XX/XX/XXXX and they never replied. I tried calling and accessing the website. There automated phone services hangs up on me because my account is inactive. The only way to communicate with them is through email and they will not email back. I had about {$160.00} in that account. Without having access to the app, I do not have exact numbers.
Consumer complaint received 2023-06-09
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. (FL)

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. I submitted a dispute before to your company regarding XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Consumer complaint received 2022-01-10
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. (MA)

This is a formal complaint that XXXX XXXX is in violation of the law. I find that XXXX XXXX is in violation of 15 U.S. Code 1692g - Validation of debts : ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; XXXX XXXX  XXXX is illegally reporting on my consumer credit report alleging that I owe them money for a loan. I have never consented to do business with this entity, signed any loan documents with them, or granted them permissible purpose to obtain my personal information let alone furnish it on my consumer report. I demanded that XXXX XXXX validate the alleged debt they are reporting on my consumer report and they failed to comply with any sections of 15 U.S. Code 1692g. 
XXXX XXXX is willfully reporting misleading and inaccurate information. They responded to my request with : all credit reporting is valid and accurate along with we do not offer courtesy credit reporting retractions. This is unacceptable and unlawful as this does not validate any debt. I am very concerned and damaged by their actions. I am seeking legal counsel and would like to file a formal complaint.
Consumer complaint received 2022-01-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FORD MOTOR CREDIT CO. (CA)

XXXX XXXX Ford credit offices. Was informed that XXXX XXXX XXXX, my ex husband had paid off the debt in full. That they did not have any record of it going to collections. 

Was expecting a letter from them with this detail per my request within XXXX business days. Never received it. 

Have written 4 letters since to debt collection address on file and disputed with each bureau to only have the debt somehow magically owed in XXXX and XXXX. I have never received a letter or any information of this debt. 

Called back to the XXXX office on XX/XX/XXXX to again be told they have no record. Again I requested a letter stating as such in which I have not received. 
Called the 3 bureaus to open disputes as their reports are inaccurately reporting a debt that dies not exist only for all 3 to ignore my proof and keep the account on. 

At this point XXXX and the bureaus are reporting an illegitimate debt that neither they nor FORD CREDIT can give evidence that I owe.i have no account number as the one in the report does not match any of their records.
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC (NJ)

I checked my credit report ( XXXX ) and saw an account by a company calling themselves DNF Associates LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. 

I do not, never did have an account alleged or otherwise with this company. I attempted to bring this matter to a close by sending correspondence to DNF, their parent company Diverse Funding Associates LLC, and their Registered Agents with no results. 

According to the 1974 Privacy Act, I have the right to correct the record and attempted to do so to no avail. 

DNF Associates, it is believed has violated at least 10 title 15 U.S. Code violations ( see attached Notice in the form of an Affidavit DNFNotice91721 and related documents ) The packet ( attached ) was sent to DNF Associates and the Registered Agents. The only communication received was from a guy calling himself XXXX XXXX XXXX of a lawfirm calling itself XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This came through the United States Postal Service and was unsolicited. His offer through the mail possibly violates title 18 1001, 1002, 1341, 1342 and needs to be addressed immediately.
Consumer complaint received 2022-01-09
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. (AZ)

I have been identity theft and they refuse to lock report, the inquiries are all fraudulent, Experian keeps selling and allowing my report to be pulled. There should not be any inquiries hard or soft. Every time I look there are new inquiries that are fraudulent.
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Yakima County Credit Service, INC (AK)

This was traffic ticket fine. By the time they added there interest it was almost XXXX $ I set up a contract but if something happens like an earth quack or no money because I live on SS they default you then have to pay another set up fee and then they add there 12 % interest again on what's owed so I'm back at square one. I have paid on this fine for years. They are holding my drivers license. I'm XXXX I live out in the country with no bus and I can't get my license. I had tried when Yakima had a fine forgiveness going on to get my debt out of collections but they refuse to work with me. I can't afford the extra bill. but I need my license. They do not even try to work with me. I have paid this fine 4 times over but it is still not paid. I believe it started out as the fine was maybe XXXX $ but with there interest it became XXXX