davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-05-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have lodged disputes with Portfolio Recovery and XXXX XXXX with the belief they have reported negative items to my credit report which are not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Consumer complaint received 2018-05-08
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)

In accordance with the ( FCRA ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by Federal Law to verify physical records on the file of the original signed account or contract from any accounts you post on my credit report. 

I have formally requested to see verifiable proof of the original consumer contract with my execution of signature on the record but not NO REPLY from the credit bureaus. I have sent certified letters to XXXX, XXXX and Transunion to no avail. Below is a list of account records I am requesting said verification of. I would like to complain to the CFPB about this clear violation of federal law. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ) Thank you for your assistance in this matter and hopefully Transunion, XXXX, and XXXX will follow the laws laid out in the Fair credit Reporting Act.
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Fidelity National Information Services, Inc. (FNIS) (MT)

XXXX XXXX, XXXX when shopping at a local XXXX store, my personal check was denied by the check verification service they use, Certegy Check Services. XXXX can not answer why the check was denied but prints out a little tiny piece of paper telling you to contact Certegy Check Services at XXXX for assistance. 
This number is an automated service wanting your bank routing number, bank account number, social security and drivers license numbers. You can not reach a representative using this number. Going to Certegy 's website, I found XXXX listed for customer service. The person I talked to wanted all the same info and proceeded to tell me nothing. They give you a total runaround and can not tell you why your check was denied. You get " could be '' risk factors but they do n't have access to what risk factors are, your check did not meet the standards in their risk modeling software, but again they have absolutely no answers or reasons for denial, they just keep repeating the same canned answer over and over. They can not tell you if you will be at risk for future check purchases or which businesses use their verification service. Certegy can not verify funds due to federal laws protecting consumers bank accounts, so why are they even allowed to be in business? What service are they really providing business?
Consumer complaint received 2023-10-13
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. (PA)

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. Act Name : XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

has violated my rights. Or a 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 XXXX 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 2018-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank claims I owe XXXX since XX/XX/2017 for a credit card transaction card # XXXX. They have not provided proof I owe this money. Supervisory staff hasnt returned my calls and refuses to escalate my complaint for internal review. The bank has reported this past due amount to the credit bureau impacting my credit report. I would this issue investigated and if its determined I dont owe the money, a corrective letter sent to the credit bureau.
Consumer complaint received 2023-10-13
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. (MI)

Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Birth : XX/XX/1991 The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently maintained XXXX payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX payments for those accounts.
Consumer complaint received 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Birth : XX/XX/1991 The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I recently turned XXXX and am looking to apply for a credit card so that I can start building credit. I wanted to check my credit score and chose to do so with Transunion because they advertised the credit report as free. I checked my score on  XX/XX/2020. After giving them my information it turned out there was a XXXX} fee for the report, which I accepted. I was billed the XXXX} fee on the same day and after re-reading that email I see that it said " You have purchased a subscription product. For your convenience, your payment card will automatically be charged XXXX} ( plus tax where applicable ) per month, while your subscription continues. '' Yet, I was charged XXXX plus tax on XX/XX/2020. There was no clear indication that I was signing up for any type of membership or trial period that would need to be canceled before I was charged XXXX
Consumer complaint received 2018-05-08
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

My complaint is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I Tel : XXXX. 

I am in the first time home buying process and have asked XXXX XXXX XXXX sending Good faith letters on numerous occasions on my own as well as paid a company to contact them on my behalf of over {$400.00} to remove a negative late payment off my credit file and they have consistently and unfairly refused. 

I have never been late before the incident and after. 

I was out of town on vacation and left my assistant to take care of my affairs and that was the one bill which was an oversite on her part. 

I have a 99 % success payment rating with all three bureaus. 

It is unclear on my credit file when the late payment occured which has been more than two years and no longer affects my credit scores ; it is now XX/XX/2018, I want the adverse item removed. 

It is disturbing, violating and incredulous for XXXX XXXX to hold my credit file hostage over a {$300.00} balance. 

I am filing a complaint with CFPB to urge XXXX XXXX XXXX XXXX to remove the late payment off my credit file.
Consumer complaint received 2023-02-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (NY)

I received an e-mail regarding debt collection today ( XX/XX/2023 ) from a company ( Speedy Cash ) that I never heard of or even applied for a loan. Upon calling this company and providing them the loan number on the e-mail, they attempted to get my birthdate and SSN number which I did not provide. They then told me to call their accounting department which will be open in 2 hours. I don't even trust this " company '' to even call them back.
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A letter was sent in response to notices sent to me about this debt without VALIDATION. I have not received a response with validation for me to investigate within the 30 day window and it has not been removed from the credit reports.
Consumer complaint received 2018-04-05
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: EQUIFAX, INC. (SC)

I HAVE DISPUTED THE FOLLOWING WITH XXXX  : REPORT # XXXX XXXX XXXX ACCOUNT {$960.00} ( FRAUD ACCOUNT ) XXXX XXXX HARD INQUIRY DATES XX/XX/XXXX & XX/XX/2018 ( UNAUTHORIZED HARD INQUIRIES ) THE XXXX XXXX {$580.00} ( FRAUD ACCOUNT / NOT MINE ) PREVIOUSLY FILED WITH THE CFPB AND COMPANY STATED THEY WOULD DELETE FROM ALL ( 3 ) MAJOR CREDIT BUREAUS. THIS ACCOUNT STILL REMAINS! ON MY EQUIFAX CREDIT REPORT & MY XXXX/XXXX CREDIT REPORT. 
**XXXX UPLOAD DOCUMENT WEBSITE HAS A GLITCH AND STATES THAT YOU NEED TO MAIL DOCUMENTS TO : XXXX  XXXX XXXX  XXXX XXXX TX XXXX ATTN : FRAUD DEPARTMENT. ** THIS IS A STALL TACTIC TO ME. THAT'S WHY I DECIDED TO UPLOAD THE DOCUMENTS TO SUPPORT MY CLAIM VIA THE CFPB COMPLAINT WEBSITE, TO IMMEDIATLEY REMOVE THESE ACCOUNTS.
Consumer complaint received 2023-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have tried over and over submitting and sending these documents for this dispute please help sending this over as its been very frustrating. I will be getting my attorney involved.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (FL)

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 XXXX XXXX, Account number : 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 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX a credit company XXXX offer credit to buy furniture and TV, furniture came wrong and was declined! Genius held the debt for 2 years and wrote off as tax loss and that company after many lawsuits renamed and closed prior business. Third party XXXX XXXX XXXX brought the debt for {$1.00} and continued to charge collections! The original credit was started in XXXX, it is now XXXX and after 5 disputes with Transunion, they still refuse to remove off my credit report till XX/XX/XXXX? Also bankruptcy discharge in XX/XX/XXXX is still on my report which also is over 7 years old? These item are stopping my family pursuit for our first home buy! Please help!
Consumer complaint received 2023-06-07
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. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-26
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed these inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any inquiries which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-21
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 was a victim of identity theft and my personal information and banking information was stolen by scammers. I noticed several suspicious accounts on my credit report and I am sure someone is using my information to open accounts and take actions on my existing accounts.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My vehicle was totalled out by XXXX insurance and the amount owed was at the original amount of the loan when I took it out with XXXX XXXX XXXX. I told them this was incorrect and that I did not sign a contract with them for my vehicle. It should have been closer to $ XXXX {$10000.00} after what I put down and my bi monthly payments. I was hung up on every time I tried to speak with a,. The insurance paid out {$9800.00} which was what was owed on the vehicle. They are reporting that I still have a balance and am XXXX days behind.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX are reporting XXXX inaccurate accounts of collection accounts. I have reached out to XXXX and after a review of the accounts, they removed all 3 collection accounts from my report. I have reached out to Equifax and XXXX multiple times and each time they brush me off and say they have verified the accounts but do not provide documentation to show how, when or if they actually verified the accounts. I want all XXXX collection accounts removed from XXXX and Equifax as since XXXX removed the accounts, that means XXXX and Equifax should not be reporting those accounts anymore.
Consumer complaint received 2022-10-28
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. (PA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure