davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
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. (OH)

On XX/XX/XXXX XXXX XXXX placed a chargeoff on my credit claiming that I had an account with their company with account number XXXX. I have never resided in Texas nor have I ever given anyone permission to obtain utilities in my name. According to the entry on my credit report, it states that the account was opened in XXXX of XXXX and charged off in XXXX of XXXX. I researched the address where the alleged service was located ant it was in a trailer park in Texas. I am a XXXX  XXXX with impeccable credit and have never received such service or lived in a trailer park in Texas. Nor do I know anyone that lives in a trailer park. This has caused my score to decrease by 111 points and I was about to close on a home and purchase insurance but unable to do so since you put this fraudulent information on my credit. XXXX completed its investigation and determined it was fraud. Notice was sent to them by both XXXX XXXX and myself via certified mail requesting that the item be removed. Yet it still remains on my credit. 
I want the CFPB to publish this description on consumerfinance.gov so that
Consumer complaint received 2021-06-18
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. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-05-03
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. (AR)

In XX/XX/XXXX I purchased 2 sofas & 2 chairs from XXXX furniture. The furniture totaled {$2300.00} no where near the {$8200.00} amount being reported on my credit report by XXXX  Now. I have no idea where this amount came from. I agreed to do a 12 months same as cash deal with the sales person at XXXX. It was right before they closed for the day & their printer ran out of ink & they could not provide me with copies of any of my agreement and agreed to email me copies, but then they did not. 

I had made payments totaling {$2100.00} then contacted XXXX  now in XX/XX/XXXX to pay my remaining balance so that I could pay the account off prior to the 12 months at the cash purchase amount, but the remaining balance I was given was not at all correct. They quoted me an outrageous amount over {$6000.00}, no where close to what should have been owed. I could not ever get XXXX Now to send me copies of my paperwork that I didnt received upon purchase or afterwards by email as promised.. I never got an explanation to what was going on, so in early XXXX, I contacted the XXXX  XXXX XXXX XXXX ( XXXX ) through an email I found on a letter & he told me a balance of {$940.00} which was much closer to the amount that should have been owed.. I asked him how I could go about paying this amount & he never responded.. so I tried again to call the # I had to pay the account off but was still being told the much higher XXXX Im not trying to make excuses but around that same time my mother was diagnosed with XXXX  XXXX XXXX & my time & energy went into caring for her, not arguing with them & the debt took a backseat in my life.. After my mom passed away, I tried once again to resolve the situation.. without any luck & upon finding multiple lawsuits & countless records of this company doing the same thing to other consumers I filed a dispute with the credit bureaus without any luck. It says they verified the account but I wasnt provided any documentation of this & I dont understand how they verified information that is so incorrect.. I have no problem paying the {$940.00} that I owed on the account, but I will not pay thousands of dollars that I do not owethe incorrect information is effecting my life in a very negative way.. employers in the field of my finance background wont hire me based on a collection on my credit report & Ive also been denied credit.. any help in resolving this matter would be much appreciated..
Consumer complaint received 2021-06-18
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. (NE)

In response to the two previous complaint numbers, XXXX XXXX, that I, XXXX XXXX XXXX have filed against TransUnion, in which you claim I am not an authorized party on the complaint. 
As a result of your continued stall tactics in your attempts to disregard the law and not investigate my complaints in a timely manner, I have to advise you of the following. If you continue violating my consumer rights, the next complaint will be complimented by a legally binding FCRA 616 and FCRA 617 Statement of Affidavit, outlining the compensatory damages that I am owed as a result of your non-compliant behavior and violation of my consumer rights.

Thank you and God Bless My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

Accounts showing erroneous reporting patterns or unverified XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX #  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. On XX/XX/XXXX, TransUnion Consumer Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA non-compliant account history to this CFPB complaint 2. On XX/XX/XXXX, I sent TransUnion a copy of such non-compliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Transunion to provide me with clear proof that they have conducted a thorough investigation into the validity of these four accounts.Suchdocumentation was received by Transunion on XX/XX/XXXX. 3. TransUnion responded to my dispute on XX/XX/XXXX and XX/XX/XXXX by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts 4. I have attached proof of these reporting errors along with USPS receivable documentation. Note : XXXX XXXX XXXX XXXX  - XXXX  XXXX # XXXX hasn't reported since XX/XX/XXXX, and FIRST XXXX XXXX XXXX XXXX XXXX has reported unknown activity on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX yet both accounts still appear on my credit report as active accounts. This does not in any way satisfy FCRA guidelines. There's no way for TransUnion to verify, nor can they explain the gaps in reporting activity. Please delete both accounts immediately.
Consumer complaint received 2021-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-18
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: Absolute Resolutions Corp. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

They said I did not pay my mortgage but I did! During my loan modification but it was not reflected on my mortgage and they charged me extra fees on my modification process! So I need my credit score to refresh the correct score thanks I would love to get rid of my insurance PMI on my fed loan I would appreciate it! How do I go about doing that thank you! Regards XXXX
Consumer complaint received 2023-08-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
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. (AR)

XXXX XXXX  sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC (CA)

XX/XX/2021 Dear Sir or Madam : On Monday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX a collection company - ( attached ) concerning a debt that I supposedly owe to XXXX Bank. There is a secondary collection company named Capital Link Management who is also named as a debt collector. 

Both of these collection companies have received numerous complaints against them for various violations of the Fair Debt Collections Practices Act. 

I have tried calling the number on the letter to find out what this is about but no one picked up the phone. I was only able to leave a message. However, today is Friday, XX/XX/XXXX, and I still have not received a phone call back. 

This concerns me because I have never heard of any of these companies before. Not XXXX Bank nor Capital Link Management noXXXX XXXX XXXX XXXX XXXX And as such, I have never had any dealings with them let alone owe them the money they claim I owe them I am contacting you to let you know that all of these companies are obviously conducting fraudulent actions against me and I ask that you take a hand in the matter. 

Thank you, XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX reporting that I have missed XXXX payments since XXXX, and have a {$200.00} balance. I have called and verify that I havent missed a payment and am in good standing, and was told that I would have to contact each of the credit individually to fix this error in reporting.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XX/XX/2021, I was checking on my on-line checking account, when I saw three transactions for {$4600.00}, for debit return item. I went to the bank right away, told them that I didn't make those charges. They told me that someone had told my social security number and driver 's license, the picture on the license was me wearing a surgical mask. they told me to contact the credit bureaus and social security office which I did when I got home. The next day, another {$4600.00} was taken from my account. My wife and I proceeded to go to Bank of America, closed our savings and withdrew half our money left in the checking account. The bank then froze that account, transfer the rest of money to a new account. A few days later, another {$4600.00} was remove from our account. So we then removed what money from the new account, and had it froze also. A fraud was made with the bank. I've tried calling several times to the main bank, got the run around, been to the branch office, told the bank was going to send me an Affidavit to answer, sign, and send back, but still waiting. Have written letters to the CEO of Bank of America, the corporate office, no reply yet. Did receive five checks from Bank of America that the imposter cashed, and sent copies to FTC for my identity theft case.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report. XXXX is not Reporting a 30 day late payments on my credit report
Consumer complaint received 2023-08-01
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. (NY)

My credit report is showing late payments on XXXX XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or the customer service representative.
Consumer complaint received 2021-06-18
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. (NE)

In response to the two previous complaint numbers, XXXX XXXX, that I, XXXX XXXX XXXX have filed against TransUnion, in which you claim I am not an authorized party on the complaint. 
As a result of your continued stall tactics in your attempts to disregard the law and not investigate my complaints in a timely manner, I have to advise you of the following. If you continue violating my consumer rights, the next complaint will be complimented by a legally binding FCRA 616 and FCRA 617 Statement of Affidavit, outlining the compensatory damages that I am owed as a result of your non-compliant behavior and violation of my consumer rights. 

Thank you and God Bless My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

Accounts showing erroneous reporting patterns or unverified XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX TOTAL VISA # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX, TransUnion XXXX XXXX responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA non-compliant account history to this CFPB complaint 2. On XX/XX/XXXX, I sent TransUnion a copy of such non-compliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Transunion to provide me with clear proof that they have conducted a thorough investigation into the validity of these four accounts.Suchdocumentation was received by Transunion on XX/XX/XXXX. XXXX. TransUnion responded to my dispute on XX/XX/XXXX and XX/XX/XXXX by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts 4. I have attached proof of these reporting errors along with XXXX receivable documentation. Note : XXXX XXXX XXXX XXXX - TOTAL XXXX # XXXX hasn't reported since XX/XX/XXXX, and XXXX  XXXX XXXX XXXX XXXX XXXX has reported unknown activity on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX yet both accounts still appear on my credit report as active accounts. This does not in any way satisfy FCRA guidelines. There's no way for TransUnion to verify, nor can they explain the gaps in reporting activity. Please delete both accounts immediately.
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Neon Newco Corporation (MD)

A card was issued to a false name using my address. I called NETSPEND got an agent and was told they could do nothing about the issue. I have lived at my current address for 25 years and XXXX XXXX ( name on card ) does not live here and never has. NETSPEND claimed they buy their lists for outside parties. Our family had a cyber breach recently. Concerned some advanced scam is in process.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (GA)

I have asked Barclay several times to lower the interest so that I will have an ability to pay for the credit card. I have been in the hospital twice and can not see them working with the situation we are in. in fact the rates have gone up. This is how they make money but the high interest is not the plan of our country getting out of debt. I see no benefit to this kind of behavior on their part.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (FL)

M & T Bank wouldn't let me make any withdrawals from my account so I asked them to close my account XX/XX/XXXX. I spoke with the XXXX branch manager and she told me that the account would be closed immediately and that I'd receive my check with the balance of {$1500.00} by XXXX  XX/XX/XXXX. It is XX/XX/18 and I still haven't received those funds, nor have I received any notification of my funds being sent to me. The only proof I have is the recording I made of this call.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (RI)

Hi Lvnv/XXXX  XXXX XXXXcfpb ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WI)

I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,