davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

Im currently XXXX year old about 2 months ago i got a copy of my credit report and there were accounts and subsequent inquiries on my credit report I contacted XXXX XXXX to have them removed they did three investigations and said that it was vaild each time but the credit bureaus too it off my reports because i sent actual proof my id social security car my ftc report and a written statement it was removed not today they said the creditor requested the information be unblocked i sent legal government documents proving im a minor and they countinue to jeopardize my future and for what other than to be just nasty I should not have to go threw this im a XXXX i should be focused on school not my credit this isnt fair they fix my problem the put it right back on there it disgusting behavior from XXXX XXXX and the three major bureaus To be doing this to a XXXX the accounts were opened in 2019 a quick look at the documents i sent would confirm that but they choose to be difficult
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

Hello, my name is XXXX XXXX and I am a victim of identity theft. I recently started to take my credit score more seriously, before I would never check my score because I would never apply for loans, credit cards etc,.. I only had one college credit card. On XXXX XXXX I downloaded XXXX and saw a lot of collections and inquiries that were not mine and I dont have any relations with it. I called the police and an officer came to my home and I showed him all the fraud that occurred under my social security, the police officer provided me with a case report and informed me to call the credit bureaus. I called XXXX, XXXX and XXXX and put in a freeze on my accounts. The credit bureaus were able to dispute the fraud however, XXXX keeps verifying the account as accurate when its indeed not. The debt collection that is not being removed which occurred from fraud is phoenix financial service original creditor XXXX XXXX XXXX it was opened on XX/XX/2023 the amount owed is {$840.00} the account number XXXX. I have never heard of this company nor did I ever get in contact with them prior. My information has been compromised.
Consumer complaint received 2023-05-05
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-05-05
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.
Consumer complaint received 2023-05-05
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. (MD)

I have submitted disputes to XXXX, Equifax, and XXXX for the past several months, nine months, to be exact regarding the inaccurate late payment reporting on my credit report from XXXX XXXX XXXXXXXX. I have also ask for the method of investigation which all three credit bureaus have failed to provide me with the requested information. 

There is no notice of dispute annotated on my credit report stating that I have submitted a dispute for the XXXX XXXX  XXXX account. According to 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute Well, there is no notice of dispute noted on my credit report for that XXXX XXXX XXXX account. 

Therefore, my consumer rights under the FCRA has been clearly violated since the FCRA clearly state that a notice of dispute must be provided. 

In addition, I am providing a copy of attached screenshots showing where XXXX, Equifax, and XXXX have receive my dispute letters and claimed the account came back verified but yet my credit report do not show where I have been disputing this account for months. 

Also, XXXX, Equifax, and XXXX have failed to ensure maximum accuracy which is also a violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy because how is it that XXXX and XXXX are reporting a 30 day late payment but Equifax is reporting a 60 day late payment for the same account during the same timeframe, XXXX XXXX XXXX It's impossible for the same account to report different status which is inaccurate reporting. 

Therefore, according to 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete I expect for the inaccurate late payment that's reporting on my credit report from XXXX XXXX XXXX be removed immediately
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXXXXXX XXXX XXXX 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 furbish an account without my written instructions.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My checking and savings as well as my credit card account at Bank of America were all arbitrarily closed without providing me the reason for such closure, except it was explained that it was in their right to close those accounts. Dates of closure notice were given on XX/XX/2023. 

It is extremely unfair and presumptuous on part of BoA to close my accounts and I would like my accounts to be reinstated as there is no good reasson to close them when I have a good credit score, pay my credit cards on time and maintain the monthly limit on those accounts.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase closed my account for absolutely no reason. Due to suspicious activity. Ive had this account since XXXX XXXX XXXX XXXX XXXX, I am now a XXXXXXXX XXXX XXXX My account was closed with no explanation and I have been a loyal customer. My chase was connected to my job for direct deposit, my credit cards, my school for tuition reimbursement, literally everything. It was literally closed for no reason at all. I am highly upset and this feels like a smack in the face.
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

I lease a car from American Car Center and American Financial on XXXX XXXX. Upon leasing this vehicle I gave a down-payment of {$750.00} and two more payments totaling {$500.00}. I gave them {$94.00} for registration and plates. I never received the registration nor the plates. My temporary plates have expired. I have been pulled over by the police. I called american Car Center and they told me it didn't come in yet. Two weeks went by and I reached out again. There was no answer nor anyone there. I found out through the media that they abruptly went out of business. In the lease agreement on page 4 number 39 it states any changes in this lease must be in writing and sign by the Assignee. I never received anything in writing nor a phone call. American Car center abandon the contract as well as the property. About 35 days went buy and a collection agency ( Westlake Portfolio ) calls me stating they took over the contract. Why I'm in collections I am not behind in the agreement. American Car Center states they don't share information with non affiliates. I am not affiliated of Westlake Portfolio or have I ever went in contract with them. American Car Center has violated my right as consumer. In accordance with the Fair credit act 15 USC 1681 states I have a right to privacy. Now this collection agency is calling me for payments. In fear of losing my car i started making payments to this company who i never had a contract with. I sent them a few payments. I ask them to show me a contract. They dont have one they have the contract that American Car Center gave them. They have not yet to this day sent me any paper work on how they are the owner of the contract. When there is no longer contract because American Car Center breach the contract. I also called ask Westlake Portfolio for a debt validation letter and i never receive one. This is a breach of contract for Westlake just as well. In my agreement with American Car Center they agreed to give me one year warranty. Westlake claim they have rights. If you have rights your responsible for whats in the contract. Westlake Portiflio who took over the contract states they will discontinue the warranty. This is also a breach of contract. I ask Westlake Portiflio who responsible for registration and plates. They promise when they contacted me they will find out. I still havent heard anything. But constantly calling me about payments. I can not register the vehicle or get plates. I have tried numerous times. I have been stop by the police because of this. My temporary plates have expired. I have been pulled over by the police. I constantly have to carry my receipt of the agreement on the registration and plates. Everyday i drive i live in fear of going to jail. Its very traumatizing. This also a breach of contract. Under Tila law I have been violated by American Car Center, American Financial and Westlake Portiflio.
Consumer complaint received 2023-05-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.
Consumer complaint received 2023-05-05
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. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-05-05
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2023-05-05
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$500.00}
Consumer complaint received 2024-08-20
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. (NC)

I am writing to formally file a complaint against Experian regarding their handling of a dispute I submitted concerning a XXXX  XXXX bankruptcy entry on my credit report. The report number in question is XXXX. 

On XX/XX/year>, I disputed the accuracy of the XXXX XXXX bankruptcy entry on my Experian credit report. Following this dispute, Experian verified the bankruptcy as accurate, despite the fact that I had previously received documentation from XXXX indicating that the bankruptcy entry was unverifiable and had been removed from their records. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), a credit reporting agency is required to provide the method of reinvestigation used to determine the accuracy of the disputed information upon request. Experian has failed to comply with this requirement by not providing the details of their investigation process or how they verified the bankruptcy entry. 

I request that the CFPB intervene to ensure Experian adheres to its legal obligations by providing a detailed explanation of the method of reinvestigation used for the report number XXXX. This information is crucial for me to understand how Experian reached their verification decision and to ensure that my credit report is accurate and up-to-date. 

Please find attached copies of the dispute letter I sent to Experian, their response, and the XXXX documentation indicating that the bankruptcy entry was removed from their records due to unverifiability. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2023-05-05
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (KY)

XXXX at Tek-Collect texted me and said I owed XXXX to XXXX XXXX XXXX I called Tek-Collect and explained that I didnt owe it, and XXXX said it was my responsibility to contact XXXX XXXX ( name of XXXX XXXX was changed to XXXX XXXX  at least a year ago ) and have them contact Tek-Collect. I called XXXX XXXX, and they said they had no record of me currently owing money and had no record of sending debt information to Tek-Collect or any other debt collection company.

Tek-Collect has sent this incorrect information to XXXX and possibly other credit reporting agencies.