davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you
Consumer complaint received 2015-12-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (TX)

THE PURPOSE OF THIS COMPLAINT IS THE FOLLOW UP ON CASE NUMBER XXXX. 
THE COMPLAINT IS AGAINST COMERICA BANK. 
THE PERSON CONTACTED WAS XXXX AT ( XXXX ) XXXX XXXX. 
MESSAGES WERE LEFT ON XXXX XXXX 2015, XXXX XXXX 2015, XXXX XXXX 2015. THERE HAS BEEN NO REPLY TO DATE. 
THE INITIAL RESPONSE FROM THE RESPONDENT IS NOT SATISFACTORY. 
THE FIRST RESPONSE OF THE RESPONDENT IS NOT AVAILABLE. 
COMPLAINANT TRIED TO LOG ON TO CFPB ACCOUNT BUT THE SYSTEM DID NOT ALLOW ACCESS TO THE DOCUMENTS. 
CFPB WAS CONTACTED BY PHONE ON XXXX XXXX 2015.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

This particular complaint is specific to XXXX. However, I have disputed with XXXX, XXXX, and Experian, as well as the creditors a few times at this point. I have even gone further to send things to your company to still have the items on my report. I had to go and study and do my due diligence to find more support as to why these items must be permanently deleted from my reports. The following are the items that must be deleted according to 15 U.S.C. subsection 1681 et seqXXXX 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
Consumer complaint received 2021-03-17
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. (OK)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the 2nd complaint I am having to file against the bureaus, the delay and lack of responses is not acceptable to someone like who is trying to obtain business credit and start a business! I originally started disputing the derogatory items on my credit on XX/XX/XXXX. I have received ONE response from the bureaus in the 10 months I have been attempting to repair my credit ; I submitted another dispute on XX/XX/XXXX and again on XX/XX/XXXX which also included at that time my FIRST complaint with the CFPB. However, after another dispute on XX/XX/XXXX and XX/XX/XXXX, I've yet again received NO responses or communication from the bureaus and am now filing my SECOND complaint due to the lack of responses and communications from the bureaus.
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I mailed a formal written complaint to XXXX XXXX and TransUnion on XX/XX/2021 requesting to remove inaccurate and incomplete credit information from my credit report. On XX/XX/2021 I wrote a second request requesting an investigation into items that I believed were OBSOLETE as stated on the XX/XX/2021 request. As of today XX/XX/2021 I have not received a response from XXXX XXXX or TransUnion for either request on the XX/XX/2021 or XX/XX/2021.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-02-09
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. (PA)

XXXX XXXX XXXX XXXX : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Opportunity Financial, LLC (UT)

XXXX and Opp Loan continue to ignore my requests to correct the dates which are incorrect. I've sent the info to Opp Loans directly several times & to the CFPB for both XXXX and Opp Loans. Yet the dates reported continue to be dispute rather than paid and closed dates. XXXX has lowered my score with their inaccurate reporting. Opp Loans could care less. They don't want to fix it and I've tried several times going to them, then to XXXX. Yet the dates are still showing as the dispute dates for 2023 which are incorrect, and XXXX continues to report the accounts as " pays as agreed '' which makes them look like they're open rather than closed accounts. They're paid, closed and no longer active! Yet XXXX and Opp Loans keeps saying the dates are accurate which means they're being lazy or just don't care. I'm going with both! So the below will take place should they continue to fail to fix the problems. I won't keep fighting it. I'll take it to the legal system as I have every right to do for anyone violating Fair Credit Act Laws. I don't want to hear that you're abiding by them because you're both lying! I filed a complaint against Opp Loans with the XXXX XXXX XXXX too. I want someone above their credit area to see what the problem is since they fail to read or understand the issues.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I disputed an ATM transaction with Bank of America in the amount of {$700.00}. Within the same hour, my account was frozen and I was unable to access my remaining funds. I called the Bank of America to get clarification on why my account was frozen in which they directed me to contact the XXXX XXXXXXXX XXXX Department. After being prompted to contact XXXX, I spoke to XXXX  on XX/XX/2021 who and informed me that I needed to provide ID verification, which I provided through the XXXX website. On XX/XX/2021, I spoke to a XXXX representative who informed me there are no issues with my account or verification on their end, they also referred me back to Bank of America to obtain bank account access. I called Bank of America again the same day to get an update on my account status and claim, in which they stated that they do not have access to since the account is frozen for fraudulent activity. Over the period of a week, from XX/XX/XXXX to XX/XX/XXXX, I have called Bank of America XXXX to get an account update, to which they claim they are unable to give me. I have confirmed with XXXX through several different phone calls that my XXXX account has no verification or fraud issue and each time I am told to contact Back of XXXX for access to my account. On XX/XX/2021, I received a letter dated XX/XX/2021 stating : Your claim has been closed because we believe the account or the claim have been the subject of fraud or suspicious activity. Any temporary credit that was applied to your account related to this claim, including any fee related reimbursement or fees, has been or will be debited from your account and reflected in your available balance, if any. I contacted Bank of America again on XX/XX/XXXX to reopen my claim and get account access, in which I told that my account is frozen and they are unable to help me until my account is unfrozen. I am concerned I XXXX not have access to my account to pay my bills. I am supposed to receive an XXXX  payment this upcoming Monday. I will not have access to the payment until Bank of America unfreezes my account.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX XXXX  ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (NY)

Credit dispute was filed with Experian in XXXX of 2020. Experian failed to investigate disputed accounts within the legal timeframe by law, and unverified debts have yet to be removed from my credit report. Experian also never provided an updated copy of printed credit report. Two additional notices were provided to Experian to remove debts to no avail.
Consumer complaint received 2021-02-09
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. (TN)

Well I called transunion and I called XXXX could not speak with anyone at XXXX for some odd reason but I submitted disputes and everything and the information is still on my credit report that is not correct and that is being double reported that is not correct to begin with
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I tried setting an account with XXXX XXXX, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.
Consumer complaint received 2021-02-09
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2.  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX-XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX lll ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

After reviewing my credit report, I noticed some unauthorized inquires reporting and It really impacted my score. These companies have not responded with any updates on the investigation. I have took matters into my own hands and filed a complaint through the FTC. The report number is XXXX This goes against the FCRA guidelines. I need these removed so I can actually apply for a line of credit on my own. Having these inquiries reporting are hindering and will make it really hard for me to get approved. I have attached my identity theft report along with my identity documents for verification.
Consumer complaint received 2021-03-17
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. (PA)

I previously disputed items that was not mine i sent in FTC report contacted my lawyer and sent in a dispute for a investigation I was never notified that my dispute was filed I contacted FTC to come up with a plan this is my next step before I filed a law suit because I trying to move on from this situations I was incarcerated when these accounts was opened and that's against the law to let individuals use my information and me being treated like a criminal ALL over again for a crime I didn't commit.
Consumer complaint received 2021-02-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.
Consumer complaint received 2021-02-09
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: CITIBANK, N.A. (MN)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TN)

On XX/XX/XXXX XXXX was debited from my account. I contact cash app via their app about the fraudulent transaction. I was told by XXXX they would investigate. It has been over a month and I received an email from an agent XXXX who refuses to start an investigation. Therefore cash app has continuously lied in emailing stating that they were investigating it and no 30 days later they are refusing to do anything about my missing money. I have more documentation that I can provide I just couldnt upload it all.
Consumer complaint received 2021-03-17
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: Experian Information Solutions Inc. (PA)

I previously disputed items that was not mine i sent in FTC report contacted my lawyer and sent in a dispute for a investigation I was never notified that my dispute was filed I contacted FTC to come up with a plan this is my next step before I filed a law suit because I trying to move on from this situations I was incarcerated when these accounts was opened and that's against the law to let individuals use my information and me being treated like a criminal ALL over again for a crime I didn't commit.
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.