davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint against XXXX XXXX and Transunion for failing to properly investigate and validate a disputed XXXX XXXX collection account on my credit report. Despite multiple requests, the credit bureaus have continued to report this debt without verifying the accuracy or validity of the information provided by XXXX. 

**Background : ** XXXX. **Disputed Account Information : ** - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Amount : {$860.00} - Date Reported : XX/XX/XXXX XXXX. **Failure to Validate Debt : ** Since XXXX, I have repeatedly requested from XXXX XXXX a proper validation of the alleged debt. XXXX has only sent me random, non-itemized phone bills, which do not meet the legal requirements for debt validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested specific information that was never provided, such as : - A copy of the signed contract or agreement creating the debt. 
- A complete itemization of charges. 
- Proof that the debt is within the statute of limitations. 
- Documentation of any transfer or sale of the debt, including the name of the current owner. 

XXXX. **Disputes with XXXX Transunion and XXXX XXXX ** I have formally disputed this XXXX XXXX collection account with the credit bureaus multiple times, yet they continue to report the debt as verified without providing any evidence of its validity. Credit bureaus have not conducted a thorough investigation or requested sufficient documentation from XXXX. As a result, the inaccurate collection continues to damage my credit score.

4. **Inaccurate Credit Reporting : ** The credit bureaus refusal to properly investigate and verify the disputed information is a violation of the Fair Credit Reporting Act ( FCRA ). Their failure to remove this inaccurate collection has caused significant damage to my credit profile and financial standing. 

XXXX. **Impact on Military Family : ** As a military spouse, I am particularly vulnerable to the financial consequences of incorrect credit reporting. This inaccurate reporting has caused undue stress and negatively impacted my familys financial well-being. 

**Relief Sought : ** - I request that all three credit bureaus remove the XXXX XXXX collection account from my credit report immediately. 
- I demand that the credit bureaus conduct a full and proper investigation, requiring XXXX to provide all legally required documentation to validate the debt. 
- I seek compensation for any damages incurred as a result of the credit bureaus failure to investigate my disputes properly. 
- I request that all debt collection and reporting activities cease until full validation has been provided.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

I became a victim of Identity theft in XXXX. I have worked with XXXX ID theft, The Arkansas Attorney General 's Office and numerous creditors to clean up my reports. I contacted the Federal Trade Commission and any other agency I was told to contact. I sent copies of police reports, proof of identity, the FTC report, and notes that were written to each merchant of who I spoke with and the date each merchant was contacted to ALL credit bureaus. Several merchants sent letters showing where they contacted the credit bureaus to remove the fraudulent information. I have an identity theft passport issued by the Attorney General of Arkansas. I sent a copy to all bureaus. ALL the credit bureaus took down all of the Hard inquiries and cleaned up some fraudulent information on my reports that the person put on them. Equifax has put XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX back up on my report as hard inquiries and said they will leave it for XXXX years. They had REMOVED it. I have my reports frozen and fraud and extended fraud alerts on the reports. They are now saying I have to send them police reports and proof AGAIN before it can be removed. They have been sent this information 5 times. Three times by me and twice by the Attorney General 's office. I have had this problem with them previously and they finally cleaned up my reports. Now they are refusing to remove the fraudulent HARD inquiries. I would like help getting this taken care of. I call and the CSR are of no help.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (GA)

Credit collection services is dancing around my cease and desist and blatantly violating the law. Per the fdcpa a cease and desist includes a deletion. 

I am formally demanding that you cease and desist all further communication with me regarding the alleged debt, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This demand includes the immediate deletion of the debt information from my consumer reports, as reporting such information constitutes a " communication '' under the FDCPA. The FDCPA defines " communication '' as " the conveying of information regarding a debt directly or indirectly to any person through any medium '' ( 15 U.S.C. 1692a ( 2 ) ). Courts have affirmed this interpretation in XXXX v. XXXX XXXX XXXX ( No. XXXX, XXXX  XXXX XXXX ( XXXX. XXXX XXXX. XXXXXXXX XXXX  ) ), where the court recognized that reporting debt information to a credit reporting agency is considered communication under the FDCPA. As such, any further reporting of this alleged debt to credit reporting agencies constitutes a violation of my rights under the FDCPA. If this demand is not met, I will consider taking further legal action to protect my rights.
Consumer complaint received 2024-08-13
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. (IL)

A collection report was added to my Experian credit report. I have disputed the collection report saying the account is not mine. I reported this account as identity theft and sent a copy of the Federal Trade Commission report. The collection report remains on my credit report.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MI)

As in my XXXX complaint, XXXX, The comerica bank automated system is not asking for my PIN number when I call from a phone other than the number they have on file. 
When accessing the system from other phone numbers the system only asks for the last XXXX digits of my social security number and my date of birth then proceeds to give me my account information. The last XXXX digits of my social security number and my date of birth are known and /or have been compromised by many different agencies. I am requesting your assistance in getting comerica to have their automated system ask for my established pin regardless of what phone number is accessing their system for my bank account information.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have three unauthorized hard inquires on my credit report. These inquires are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. I would like these removed from my report since according to the FCRA these were unauthorized and must be removed.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXXXXXX XXXX XXXX Compliance Violations Dear CFPB, I am writing to file a formal complaint against XXXX and XXXX for their failure to accurately report information related to my account with XXXX XXXX  XXXX. Despite my efforts to resolve these discrepancies directly with the credit bureaus, they have continued to report incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Summary of the Issues : Inconsistent Date Opened Reporting : XXXX reports the date opened as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The correct date, as verified by my records, should be XX/XX/XXXX. This discrepancy indicates a failure to adhere to XXXX XXXX compliance, which requires consistent and accurate reporting across all consumer reporting agencies. 
Discrepant Payment History Reporting : XXXX reports that my account was in a charge-off status with late payments beginning in XX/XX/XXXX, while XXXX fails XXXX provide consistent reporting on the payment history during the same period. XXXX XXXX guidelines require that payment history, including delinquencies, be reported accurately and uniformly. The inconsistency between the XXXX bureaus is a clear violation of these guidelines, leading to a misleading representation of my creditworthiness. 
Incorrect Date Last Active : XXXX reports the date last active as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The XXXX XXXX standard mandates that the Date of Last Activity ( DLA ) be reported consistently, reflecting the accurate last date of account activity. The disparity in these dates significantly impacts the account 's aging on my credit report. 
Failure to Report High Credit Accurately : XXXX reports the high credit as {$4100.00}, while XXXX incorrectly reports it as {$0.00}. This failure to report high credit consistently is another violation of XXXX XXXX standards, which require accurate reporting of all account fields to ensure fairness and accuracy in credit reporting. 
Permissible Purpose Violation and Unauthorized Reporting : This account was reported on my credit report without my explicit authorization, constituting a violation of the FCRAs permissible purpose provisions. Under XXXX XXXX guidelines, data furnishers must have a permissible purpose for reporting accounts, and in this case, XXXXXXXX XXXX XXXXXXXX has failed to comply with this requirement. 
Previous Efforts to Resolve : I have made multiple attempts to correct these inaccuracies by contacting both XXXX and XXXX, providing all necessary documentation to support my claims. However, both bureaus have failed to adhere to XXXX XXXX standards and the FCRA by not correcting these errors or removing the unauthorized and inaccurate information.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC (MI)

I received a credit disclosure email from XXXX XXXX XXXX. I believe that this company has been illegally using my information since I first signed up for a loan with them in XXXX. I have a loan from XXXX with them that I didnt not authorize which was sold to a debt collector. Then today ( XX/XX/XXXX ) at XXXX I received a credit disclosure email which states that the company ran my credit again without my permission on XX/XX/XXXX. I did not authorize this and someone within the company is illegally using my information.
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (KS)

I have an identity theft that have the dates on all these accounts 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I called XXXX XXXX multiple times in the last XXXX  months and have requested to be removed as an authorized user. The account holder has also called to have me removed from account and when we call XXXX XXXX States i have been removed but the account still shows on my credit reports.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have an identity theft that have the dates on all these accounts 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 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Still no resolution. I called again on XX/XX/XXXX spoke with XXXX on Synchrony Fraud team and she said all this time, they have been submitting the claim wrong, that is why it is being denied. Again, due to your fault, you have not taken the time to properly address this and meanwhile tack on hundreds of dollars in your fees, while I continuously report this as fraud. I just got a letter saying you are closing my account and reporting almost {$500.00} to the credit agencies. I requested this be closed multiple times since XXXX, and was told it was done. Why was it not done yet? Why was an extra {$100.00} added to the balance? 

Synchrony bank fails to investigate fraud, or protect consumer accounts. They continue to refuse acknowledging their gross negligence in protecting the security of my account, as this credit card was used without my knowledge and my fraud claims fall on deaf ears. " XXXX XXXX '' from the last response put zero effort into resolving this issue which I wil bring forward again until it is resolved. 

I opened a credit card in XXXX and made one purchase on XXXX. Shortly after, I destroyed the card. In XXXX Synchrony allowed this credit card to be used without verifying that the buyer had it in their possession. Since the card was long gone, there is no way the buyer could enter the XXXX digit security code on the card. I was not prompted via XXXX, and once I learned of the charges months later, I have been reporting fraud ever since through their fraud line, and no one has corrected it. It took multiple outreaches for them to close the card at my request, and they continue to open new accounts in my name with new account numbers, making it imposisble for their customer service people to locate the account to assist. Instead of correcting their mistake, they have snowballed interest and fees on this small balance for over two years, creating a bill of almost {$400.00}. My XXXX account is a shared account, as is the laptop, and this is not an uncommon practice among XXXX users. After 2+ years they will not disclose proof that I was without a doubt involved with these XXXX purchases. They can not show proof because there is NONE.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing the accuracies of the XXXX funding for the last XXXX year to the three major credit reporting agencies. each time they say it meets the FCRA requirements. How can this be if all three credit reports report something different on the account. This is unsatisfactory to me as the consumer who has to put trust and confidence these agencies to do the right thing. it is a must that XXXX XXXX removed from my report from the three credit reporting agencies immediately due to in accurate reporting practices and procedures. it is time that these report agencies are help accountability for the lack of due diligence thats has been show on multiple occasion to multiple consumers. I have submitted multiple reports showing the inaccurate reporting only for those report to fall to XXXX eyes. It is my right to have this inaccurate reporting rectified.
Consumer complaint received 2023-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

The Company is Credence Resources Manage Account # XXXX Trying to collect {$110.00} for XXXX XXXX XXXX I moved from XXXX XXXX XXXX to XXXX early this year. We called XXXX XXXX XXXX from the XXXX store. Told them we was cancelling our service with XXXX XXXX XXXXWe also ported our phone numbers we had with XXXX XXXX XXXX. I did not trust XXXX XXXX XXXX so after we left XXXX I went to a local XXXX XXXX XXXX store and told them that we was cancelling our service.I did this because a friend previously told me not to trust them. Now Credence Resource Manage has been calling us constantly telling us he had to pay the {$110.00}. We done everything correctly. I have excellent credit. I always pay my bills promptly but now they are going out to all of the credit reporting agencies about this collection. Thank you so much for your help. 
XXXX XXXX
Consumer complaint received 2024-08-12
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. (GA)

Originally on XX/XX/year>24 I obtained my credit report from you and there was a Bankruptcy XXXX item listed. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they MUST remove said information from the consumer credit file. 

On XXXX/XXXX/24 Experian sent a response for my dispute indicating " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' After 3 months of resolving this issue with Experian they are STILL reporting inaccurate, unverifiable information on my credit profile. 

XXXX, is your source of record, which is also indicated on their website, also completed a reinvestigation and concluded that this alleged record is unverifiable after research was completed via PACER and as a result was deleted from my profile record. ( see attached ). 

Even at the bottom of your reinvestigation report " Experian Report Clause '' you indicated that its a violation for credit bureaus to report unverifiable information and they must delete it per the FCRA. 

I even went to the extent to request a contacting the Bankruptcy Courts in regards to this issue and they sent me a letter, which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the XXXX Bankruptcy XXXX system due to the XXXX XXXX XXXX XXXX PRIVACY LAW. 

My inquiry to the XXXX Bankruptcy XXXX confirmed XXXX, XXXX and Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may and oftentimes are, reported by third party sources unaware to the consumer, and is in most cases, incorrectly. 

So WHY is Experian STILL reporting this information if THREE different legitimate sources of truth have concluded that this data is inaccurate??? 

This is a violation of the Fair Credit Reporting Act and this record must be PERMANENTLY DELETED from my credit report IMMEDIATELY!