davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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. (OH)

I am XXXX XXXX, and I hereby submit a CFPB Complaint in response to your recent investigation. Your findings are unacceptable and demand absolute accuracy. It is evident that not enough was done to effectively reach out to the creditors reporting inaccurate information on my report. I demand immediate and comprehensive information on these items in question. Your failure to address this matter with utmost urgency will not be tolerated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - It has come to my attention that this charge off account with a XXXX balance is still being reported on my credit file. As this account have already been paid in full, I demand that you investigate and remove the charge off status to prevent further harm to my credit score. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I need to dispute charge off this account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Consumer complaint received 2023-04-24
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. (OH)

I am XXXX XXXX, and I hereby submit a CFPB Complaint in response to your recent investigation. Your findings are unacceptable and demand absolute accuracy. It is evident that not enough was done to effectively reach out to the creditors reporting inaccurate information on my report. I demand immediate and comprehensive information on these items in question. Your failure to address this matter with utmost urgency will not be tolerated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - It has come to my attention that this charge off account with a XXXX balance is still being reported on my credit file. As this account have already been paid in full, I demand that you investigate and remove the charge off status to prevent further harm to my credit score. 

XXXX XXXX XXXX XXXX  Balance : {$0.00} - I need to dispute charge off this account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Consumer complaint received 2023-11-20
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

" " '' I have disputed this collection XXXX XXXX XXXX XXXX  for months.XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-21
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. (VA)

" " '' I have disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-11-20
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. (MI)

I have just beat it a collections account that is inaccurate on my account for months now with no action taken by Experian. They've been sent letter certified mail and other documentation both mailed and uploaded into their system and attached to multiple cfpb complaints. They're investigations are taking 60 to 90 and even 120 days with no solutions or resolutions. While item is being disputed it needs to be removed during that process when a letter is sent. This has not happened by Experian. Disrespectful unhelpful and downright nasty when I call them. Under Fair credit reporting I am within my right to sue them for disputes taking longer than 30 days. 

I have provided them evidence of my identification in multiple ways multiple times including you can see a copy of my driver 's license in one of the attachments that I sent to them VIA mail and uploaded to their system. Letters, calls, evidence and on and on. It is enough. XXXX XXXX XXXX have failed to provide me the validation of debt nor have they provided this to experience. XXXX and XXXX both have followed the law and removed this creditor from my credit reports. Experian is the only one refusing to do so. 

Case law to support- XXXX XXXX XXXX XXXX XXXX XXXX 

This is my last attempt before filing a motion in court to sue under FCR.
Consumer complaint received 2018-10-21
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. (IL)

To whom it my concern, i'm writing in regards to an account being reported on my credit report, the account being reported is missing numbers, so i can't identify the account. I wrote XXXX XXXX and Equifax XX/XX/18 requested the contract with my signature and any other proof that binds me to this item and even so, that it's in their right to collect on this item being reported and their response was that they verified that the item belongs to me, i've yet to receive the contract with my signature as proof, i also ask that this item be removed or deleted if a contract can not be provided. The account in question is reported as # XXXX
Consumer complaint received 2024-03-21
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. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/23 I received a transfer through XXXX from my dad for {$1000.00} and another on XX/XX/23 to use as a deposit on an apartment. These are immediately available funds. I then proceeded to make a transfer of {$2000.00} to the owner of the apartment as the deposit. The transfer was unable to be processed and the app informed me to call the bank ( Ally Bank ). I called, and they said the transfer could not be verified. I spent nearly XXXX hours on the phone with them across multiple phone calls on XX/XX/23 trying to get my information verified. During one of those calls, the customer service representative hung up on me because he didnt think he was speaking to the account holder ( his words ). I was then fully locked out of my online banking account. Upon calling back on XX/XX/23 I was informed that they had frozen both my accounts, so I would be unable to use my debit card or receive any funds or use the account in any capacity. I was even told that I would not be able to verify my information via email, even though that is already a verified method of communication and has not changed in years. They then said there was nothing else they could do and the issue would be escalated to Loss Prevention. 

I had not heard from Ally since then, so this afternoon at XXXX I called them again. I spoke with a customer service representative who transferred me to a loss prevention representative. That loss prevention representative stated that he would disconnect the call and call me at my contact number on file ( this was confirmed during the course of the call ). He disconnected the call, I waited 5 minutes and did not receive a call. I then called the bank again and spoke with both customer service and loss prevention again. I was informed that they had no record of me speaking with loss prevention today and that there is nothing further that can be done until loss prevention can verify my phone number. 

Every time I have called the bank, I have used this number and it functions fully. My phone number was changed with the phone company on XX/XX/XXXX  and shortly thereafter I updated it with Ally Bank online and seemed to have no issues until XX/XX/. 

I requested that my account be closed and was told that they can not do that either until my phone number has been verified so they can properly identify me. This is now the 5th day of this issue ongoing and I need access to my account, funds, and livelihood and the bank is doing nothing to progress this to resolution.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (FL)

We are trying to get a payoff statement for an existing mortgage. Mr Cooper online site has not allowed login for 5 days. This is inexcusable for a company who processes millions of payments for multiple lenders. We need a payoff statement by XX/XX/XXXX.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2018-09-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Maury Cobb, Attorney at Law, LLC (MO)

Despite the cease and desist letter I sent Maury Cobb Attorney at Law on XX/XX/XXXX they have continued to call me on a daily basis. I have asked them to stop calling, I have explained to them that I wish to dispute the charges, because I do not owe XXXX  money. I also requested direct information from the debt collectors so I could email the letter they claim they didn't receive and they refused to give it to me. They also refused to allow me to speak with the attorney they allegedly work for. in an attempt to get the collections to stop I have also called XXXX  and they just keep forwarding me to the wrong collection agency. They have turned me into 3 different agencies each time I have explained that I wish to dispute the charges and they just send another agency to me to collect. XXXX XXXX XXXX  and XXXX XXXX each sent one letter and when I called and discussed the issue with them they respectfully stopped all contact. XXXX XXXX Attorney At Law has continued to contact me they have even called my parents. I can provide a copy of each of these letters if needed. I have been carefully documenting this issue since the receiving the first letter.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is knowingly reporting this inaccurate account after notifying them previously in XXXX of last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST HAWAIIAN, INC. (HI)

I opted to share this situation because its important that the community knows how bad greed has permeated at this financial institution. First Hawaiian Bank is literally taking money from me each month, and I have tried a number of times to stop it. Unfortunately, I have my life insurance tied to the account ; therefore, I can not close it. Its not hard to imagine a group of banking executives at First Hawaiian Bank scheming about increasing profits setting up fees, rules and policies to game the system. In essence, my bank is charging me an online fee for no reason. I have tried to rectify the situation and they tell me that it is my fault ; I must have clicked on something on their website to trigger a charge. I called to stop the monthly leakage in my budget after being on hold for hours ( it has been several calls over the last few months, this fee re-emerges ). It has been over a year, and I have tried a number of times even talking to the bank manager after several calls to the service center and online inquiries. I believe that the bank has gamed the system with rules that they make up to basically funnel more money to their coffers. First Hawaiian Bank should be ashamed. If you look into this policy and their explanation of it, it is a circular argument intended to take advantage of the situation. PLEASE PLEASE LOOK INTO IT. For any consumer thinking about doing business with First Hawaiian Bank, please know that once youre in, they will take advantage of you!
Consumer complaint received 2023-05-11
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. (NY)

My name is 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 these accounts. I have no knowledge of this and all is being investigated 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. Please delete these accounts : XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX  XXXX : {$340.00}
Consumer complaint received 2024-05-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (FL)

Innovative Recovery continues to harass me by sending the same letter frequently. They should have verified and confirmed the validity of the debt. The original creditor, XXXX XXXX, went out of business years ago. The amount they are asking for is incorrect.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Continental Services Group, Inc. d/b/a ConServe (NJ)

This debt collector called Con Serve is illegally contacting me regarding federal NON TAX DEBT Currently the XXXX has STANDING set off attached to my wifes ' State of NEW JERSEY tax refunds [ Even though the Debt is mine ], the XXXX SEIZES THIS MONEY TO REDUCE MY NON TAX DEBT, Furthermore in Accordance withe the DCIA debt collection improvement act of 1996 any social security benefits less than {$750.00} are off limits so the XXXX can not touch my pending social security income. 
I am formally requesting that CFPB DEMAND and IMPLORE this nefarious debt collector called ConServe to immediately cease and desist any and all forms of communication with me for as far as I am concerned the XXXX is already effectuating its only remedy against me by illegally seizing my wifes ' state of NEW JERSEY TAX REFUND S until my NON TAX DEBT IS SATISFIED.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2023 Ive submitted a dispute to update my current address and remove my fathers address from credit report due to fraudulent account being opened at this address without my knowledge. 

I have submitted a XXXX Police report XXXX And identity theft report XXXX In adddition to lease and utility bills to current address. 
I was never aware of these accounts associated with XXXX and want them removed.
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 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 item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.
Consumer complaint received 2023-11-20
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX