davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
4. there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report.
Consumer complaint received 2023-11-17
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-04
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: Mr. Cooper Group Inc. (CA)

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MT)

I have been trying to get National Credit Systems Inc to send verified information that they said they used to verify the debt on my credit report! 

Ive looked on the NMLS consumer website and they arent registered to collect in my state either. 

When i called them they were rude and wouldnt answer my questions. 

Theyre located at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA
Consumer complaint received 2023-05-04
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: Early Warning Services, LLC (WA)

XXXX refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from XXXX  consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet XXXX  illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an account passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-17
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. (FL)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (NC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX  XXXX Balance : {$420.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-17
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NJ)

opened XX/XX/2023 amount is XXXX Im Unaware of this debt I did not have the opportunity to dispute this information if and fact you believe you gave me proper notification then please send me the certified receipt with my signature on it.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, 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. (PR)

I recently viewed my credit report and find some inquiries i did not aprove. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (HI)

I received an email that Best Buy visa card has not recieved my payment and my account is past due. My account has always been set up for auto pay but they failed to take their payment and charged me a late fee because of it. I immediately called the company to find out what is going on, as I had the exact same problem with them a couple months ago when the failed to take their auto pay but did not and they charged me a late fee. The first time it happened they credited the late fee but the second time they refused to credit the late fee. The reason there was a balance on my account was because they charged a late fee which I should never have been charged in the first place because my account is set up for auto pay. Since they refused to credit my account, I told them fine, I'm closing the account and I am not paying their late fee which should never have been charged in the first place. They confirmed that my account is indeed set up for auto pay but they could not explain why they failed to take their payment, this is not my fault it is theirs and this is a very unscrupulous business practice. This is the 3rd time I'm having to complain about this company.
Consumer complaint received 2023-12-09
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: A-L FINANCIAL CORP (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I hope this email finds you well. I am writing to bring to your attention a pressing issue related to my credit history that requires immediate attention and resolution. 

Over the past two months, there has been a recurring pattern of credit inquiries made on my social security number. To my astonishment, the number of inquiries has reached an alarming level of over XXXX, and despite my persistent efforts, I have been unsuccessful in having them removed from my credit report. 

These excessive and unwarranted credit inquiries have raised serious concerns about the security of my personal information and the potential impact on my creditworthiness. It is evident that my credit profile has been subjected to unauthorized and repeated access without my consent or knowledge, which has resulted in a detrimental effect on my credit score. 

I have taken several steps to address this issue, including contacting the credit bureaus directly and submitting dispute requests to have the inquiries removed. However, each attempt has been met with frustration as the inquiries persist on my credit report, despite documentary evidence supporting my claims. 

I kindly request your intervention in this matter to rectify the situation promptly. I believe that the continuous credit inquiries and the subsequent failure to remove them are in violation of the Fair Credit Reporting Act ( FCRA ) and may also constitute identity theft or fraud. 

I have attached copies of the relevant documentation, including the credit report indicating the numerous inquiries and the correspondence with the credit bureaus. These documents provide a comprehensive overview of the issue and support my claim for urgent resolution. 

I would appreciate it if you could investigate this matter thoroughly, take appropriate action against the responsible parties, and ensure the removal of these unauthorized inquiries from my credit report. Moreover, I request that you provide me with regular updates regarding the progress of the investigation and any steps taken to address this issue. 

Thank you for your prompt attention to this matter. I trust in the CFPB 's commitment to consumer protection and fairness in the financial industry. Your assistance in resolving this credit inquiry issue would provide me with much-needed relief and restore my faith in the credit reporting system. 

Please let me know if there is any additional information or documentation required from my end. I look forward to a swift resolution to this matter
Consumer complaint received 2022-08-23
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: BANCO POPULAR DE PUERTO RICO (PR)

XXXX XXXX, 2022 The problem si that the popular banck of XXXX XXXX deos not report the mortgage Oln to the credit agnciese
Consumer complaint received 2024-02-15
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Sterling  Hill Financial (FL)

Yes my wife XXXX XXXX and XXXX XXXX XXXX hired sterling credit group to help repair our credit on XX/XX/23 we both paid the initial fee of {$79.00} and then we both paid 12 payments of {$60.00} over 6 months we were suppose to get a years worth of service from them helping repair our credit. It has brought to my attention that the company has closed over last 3/4 months I have reached out to them to get updates and no response
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Midwest Diversified Recovery Services, LLC (OH)

Collector called my place of employment looking for me. I asked them to contact me on my cell phone. They continued to contact my place of employment after asking them not to. I was actively paying the balance of the debt that I owed. There was no reason to contact my employer. My debt is fully settled at this point.
Consumer complaint received 2024-04-16
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. (GA)

On XX/XX/2024 I disputed the reporting of inaccurate personal information reporting on my consumer report. According to 15 USC 1681 ( e ) ( b ) accuracy of reporting is in violation. Incorrect addresses are reporting to my Trans Union and XXXX credit report. XXXX is reporting correctly.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Dcb cashed a unauthorized check and will not return monies ( {$250.00} ) to our account. Said its in the hands a FlagStar who will not responde to us. Check cashed XXXX XXXX  and have made numerous attempts to settle this matter. Now our branch DCB XXXX, XXXX  will not answer my calls.
Consumer complaint received 2020-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I wanted to try to transfer and withdraw my funds but my account got locked. I have bills that need to be paid and I will be homeless  and I won't be able to feed my children. This needs to be resolved immediately. I contacted cash app on XX/XX/2020 at XXXX XXXX. On cash app they say it will take 24 to 48 hours to contact me back and they haven't done so. I tried to send XXXX to a colleague of mine and it declined. After it declined and I tried to withdraw then that's when they locked my account.
Consumer complaint received 2024-01-08
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: Ability Recovery Services, LLC (FL)

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness. 

I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-02-13
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. (CA)

On XX/XX/2023 I submitted letters to several agencies ( specifically XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX ) to enact my right to protect my financial information and no longer share my information, balances or payments on my report. I further requested that Equifax, XXXX and XXXX, being consumer reporting agencies, remove my financial information as well as per my right backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked as per the letter sent in XXXX XXXX XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consume 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have opted out of ALL reporting agencies services