davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I am a XXXX XXXXXXXX XXXX who was scammed out of {$200.00} by XXXX XXXX XXXX XXXX advised their service is connected with American Express Serve card . Employee XXXX refused to conduct an immediate investigation & place hold on pending card amount of the {$200.00}. I began speaking with XXXX XXXX, American Express Executive Customer Care Scam Transactions Request by email XXXX. A copy of the card & receipt was forwarded. The response was an investigation was being conducted by their Prepaid Team but I haven't received any follow-up & not allowed to speak with that department. My attempts on XXXX & XXXX were unsuccessful. The voicemail box remains full. Messages have been left with the operator whose attempts were also unreachable. Thank you for your assistance.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

As of XX/XX/24, Report # XXXX - Experian is still reporting various names, and undeliverable addresses and i don't know of or have never reside at and im requesting correction and updates. Also, I'm requesting update for my current phone number and remove the spouse 's name from my report as well.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX
Consumer complaint received 2024-04-18
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. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-04-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I received a copy of my credit report and saw this item of information reporting : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number : XXXX The following account has been reinserted on my credit file in error as it had been previously deleted. I am once again disputing the completeness and accuracy of this item of information. It is my understanding that once an account has been reinserted there were required steps you should have taken as a result of that action. Accordingly, I was supposed to be notified in writing within 5 business days after the date of reinsertion. The notice was supposed to include : 1. Statement that the disputed information has been reinserted 2. Business name and address of any furnisher of information contacted etc.

3. Notice that the consumer has the right to add a statement I have yet to receive that written notice. Im requesting that you delete the item of information once again. 
XXXX XXXX XXXX XX/XX/1965 XXXX See attached letter
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-18
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. (AR)

On XXXX I sent an affidavit with a copy of my social secuirty card, drivers license, an utility bill to Transunion concerning account information that did belong to me. The affidavit from FTC Idenity included a total of 5 accounts. It has bee over 30 days and Transunion has not responded to my dispute which violates 15 USC 1681i ( a ) therefore the disputes accounts should be removed from consumer report effective immediately.
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (GA)

In Accordance with the Fair Credit Reporting Act XXXX  Account # 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  15 U.S.C 1681 section 602 A . States I 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.
Consumer complaint received 2024-03-27
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. (CA)

On this date XX/XX/XXXX The Credit bureaus stated Accounts ( XXXX XXXX XXXX Account Number : XXXX ) ( XXXX XXXX Account number : XXXX ( XXXX Account number : XXXX ) were properly investigated but how is that possible if the status updated reported is inaccurate, the balanced updated is inaccurate, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, last payment inaccurate with different dates being reported ( Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX No information being reported. Also this account was in good standing XX/XX/XXXX but not reported on Experian nor XXXX. Also this account was reporting charge off from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and also reporting charge off for different dates on XXXX from XX/XX/XXXX and XX/XX/XXXX which false information. This is ground for removal. This law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my report. 
Also none of these accounts are being reported or accurate across EXPERIAN nor XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY. 

Experian Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account number : XXXX XXXX Account Name : XXXX Account number : XXXX
Consumer complaint received 2023-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CO)

XXXX sent an account that I was to be removed from years ago to collections for equipment that was returned years ago. My email address was still tied to the account. While XXXX accepted the actual account holders documentation that I was no longer responsible for the account and per csr sent Eastern account services a notice to pull the derogatory information. They have refused to do so and have resubmitted since they were told the information was incorrect per my conversations with XXXX. They have added an address to my credit report where the infraction occurred. I have never lived there. I was never contacted before this was sent to collections by XXXX who I hold a current account with that has never been late ( autodraft ) or Eastern Account systems inc. who has an obligation to do so. They were contacting the account holder and sending me to collections. My rights as a consumer were and continue to be violated by Eastern account systems. From looking on line they have roughly one complaint a day sent in to the cfpb.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (CA)

Hello I Recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent account ruined my credit score. 
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 2023-10-29
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. (IL)

Experian is hiding my credit and not reporting it accurate!!! 
Experian is trying to black mail me into monthly payments monthly telling people who run my credit I don't have any accounts when they have my credit blocked inside of my account already but they not reporting these accounts existed they are saying I have no accounts or a score unless I pay them this is a scam!!! 

I have had XXXX credit cards over 28 years for a over XXXX in credit and never missed a payment 100 % payment history! 
I have always made payments on time never ever late 100 % payment history It's insulting to hear them tell me for a monthly payment I can have them report nice things about my rent and utilities this is not credit from a lender so what they trying to charge for is laughable will not help anyone borrow in the big picture!!! 
I am providing picture as proof of the Experian scam & fraud they trying to pull ... ....
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY XXXX XX/XX/XXXX - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX  || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX || Account Number : XXXX
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 are not complete and accurate. 


And one more thing according to 15 USC 1681s-2 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 2024-03-27
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: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I opened a Beyond Checking account with TD Bank with a promotion : if I put {$2500.00} into the account via direct deposit within 60 days, I would receive a {$300.00} bonus within 180 days of the account opening. By XX/XX/XXXX, I had already added {$3300.00} in direct deposits, exceeding the threshold to earn the bonus. It is now XX/XX/XXXX, more than 180 days from the account opening, and I have yet to receive the bonus.
Consumer complaint received 2023-04-25
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. (FL)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (GA)

In XXXX of 2023 I purchased a XXXX XXXX  XXXX new and used XXXX XXXX XXXX as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with XXXX XXXX XXXX to alert me if anything was amiss. In XXXX of 2023, one of my car payments bounced back. I was never alerted or contacted by XXXX XXXX of this missed payment. No email, no phone calls, and no letters. In XXXX of 2023, I got an alert that my credit report was hit with a delinquent report with XXXX XXXX. I immediately contacted XXXX XXXX and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and XXXX XXXX XXXX should do better.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Subject : Formal Complaint Against Resurgent Capital Services L.P./LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services L.P. XXXX XX/XX/2023, I submitted a complaint against LVNV Funding LLC, citing their deceptive collection practices and violations of my rights under FDCPA and FCRA. In my initial complaint, I highlighted that XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, had contacted me last year regarding an alleged debt, which I promptly disputed to no avail. Despite LVNV Funding 's failure to substantiate their right to collect the alleged debt by failing to provide proof of the account transfer, they continued to report the collection on my credit, a clear breach of both the FDCPA and the FCRA. 

On XX/XX/2023, Resurgent Capital Services L.P. responded to my complaints through the Consumer Financial Protection Bureau with a standardized letter, asserting the following : " With its purchase of the Account, the Current Owner ( LVNV Funding LLC ) acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner. '' Regrettably, the CFPB closed my complaints without permitting me to respond, thereby denying me the opportunity to request critical information from the respondent, which would have led to a favorable resolution for me. Therefore, in line with their response, specifically paragraph number 4, I hereby request that Resurgent Capital Services L.P. promptly furnish evidence of LVNV Funding LLC 's purchase of the account, demonstrating their claimed rights, in the form of a transfer document and a bill of sale for the account, including my name and the account number. This request is essential, as anyone could assert ownership without providing substantiating evidence. In the absence of proof of LVNV Funding LLC 's ownership of the account, the collection must be expeditiously removed from my credit reports. For your reference, I am attaching their response letter. 

Thank you for your attention to this matter. 

All rights reserved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX