davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (GA)

I filed a police report and disputed this account XXXX  card services Acct # XXXX with XXXX XXXX and Experian. I also filed a fraud dispute with XXXX card services and they are still reporting inaccurate information on my credit report. The above account does not belong to me. I do not deserve this negative account reporting on my credit file from the above agencies.
Consumer complaint received 2023-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (IL)

I received a letter from this company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Stating that I still owed a debt to XXXX XXXX XXXX, XXXX in the amount of {$50.00}. 

I sent them an email on XX/XX/XXXX stating that I had paid this debt back in XXXX of XXXX. I received a response email from this person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX ext. XXXX XXXX  on XX/XX/XXXX asking if I could provide proof, which I did in my email back to him on XX/XX/XXXX. He then went and reported the debt as open to the credit bureau 's on XX/XX/XXXX, even though I had already provided proof of this debt being paid two years ago! I'm asking CFPB to help close out this fraudulent claim. Thank you!
Consumer complaint received 2023-04-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX has been reporting 3 of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which XXXX XXXX  XXXX XXXX  sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (WI)

I have never had a balance with XXXX XXXX XXXX which is the original account owner and received acknowledgment of this when I moved out. 
I also recently spoke with XXXX XXXX XXXX on a recorded call and was told that they did not have any records on file of me having any dept with the company. 
Hunter Warfield is claiming that I have an outstanding balance which they are reporting to XXXX  and due to them reporting this inaccurate information it is ruining my credit. I contacted Hunter Warfield and explained to them that the original creditor doesn't even have anything on file of me having any dept but they still continue to report this inaccurate account to XXXX.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I have been charged for an item that I never received from the Vendor XXXX. I advised XXXX that my item never arrived and that the tracking number showed it was delivered to a different location in a completely different state. XXXX told me that they would investigate further into the matter and I have reached out to them many times. I just kept getting the run-around and no response, and now they report late charges to my credit report. This is hurting my ability to buy a home and to seek new employment opportunities. XXXX needs to remove those late payments from my credit report, for a product that I didn't receive due to their negligence. I contact XXXX and they send me to XXXX, I contact XXXX and they send me to XXXX, the whole thing is a charade.
Consumer complaint received 2023-02-02
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. (AR)

ON XX/XX/2022, MY XX/XX/2022 RECORDED CALL FROM XXXX AT XXXX WAS PROVIDED TO THE COLLECTION AGENCY, XXXX XXXX XXXX XXXX. IN DISPUTE OF A XXXX DOLLAR COLLECTION FROM XXXX. IN THE CALL, XXXX MAKES CLEAR THAT I AM NOT OBLIGATED TO PAY THIS. SHE SAYS : YOU WILL RECEIVE NOTICE CHARGE OF XXXX DOLLARS WILL BE AUTOMATICALLY CREDITED TO YOUR ACCOUNT, WE ARE GOING TO WAIVE IT FOR YOU, YOU DO NOT NEED TO WORRY ABOUT IT, TICKET NUMBER XXXX. XXXX XXXX HAS THIS PROOF THAT I AM NOT OBLIGATED TO PAY THIS, BUT THEY REFUSE TO REMOVE THIS SLUR FROM MY CREDIT REPORT. TODAY, XX/XX/2022, I DISPUTED THE CHARGE AGAIN BY CALLING XXXX XXXX WHO REFUSES TO DO ANYTHING MORE THAN KICK IT BACK TO XXXX. 

Recorded call XXXX  link ( video file ) available until XX/XX/XXXX, XXXX XXXX  : XXXX
Consumer complaint received 2022-11-16
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. (SC)

Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXXXXXX XXXX XXXX Account : XXXX Account is closed please delete from my credit report XXXX XXXX  Account : XXXX This account is closed please delete from my credit report The XXXX XXXX Account : XXXX This account is in collection with a past due amount of {$570.00} according to the Metro 2 compliance MUST be deleted. 

XXXX XXXX Account : XXXX This account is closed please delete from my credit report XXXX XXXX XXXX Account : : XXXX This account is in collection with a past due amount of {$100.00} according to the Metro 2 compliance MUST be By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA ENACTED CDIA Metro 2 Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (NV)

A few months back when I tried applying for a home through a financial institution, I was denied because of my credit. When I pulled my credit I noticed there were several inquiries that was not authorized or initiated on my behalf. I tried disputing with all three credit bureaus and I was told to go through the original creditor. I sent letters trying to disputing with the creditors and still got any results. The inquires that are reporting on my Transunion are ... ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX  ( Date of inquiry : XX/XX/XXXX ) when I tried disputing these inquires with the three credit bureaus again, I was told to make a CFPB complaint in send in the report and or police report or FTC report alongside a picture of my ID and proof of address. As of told XX/XX/XXXX, I've yet received the satisfaction of these inquires being removed or even a reinvestigation of my disputes.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022, I mailed out my FTC identity theft report to notify these companies that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked them to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that they are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
Consumer complaint received 2024-03-04
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. (UT)

I recently went into my XXXX XXXX and noticed a ton of inquires that I did not authorize. A lot of them are from dealerships who advised credit would not be pulled and now there's a ton of inquiries that I never authorized nor did I ever purchase a vehicle or finance through them. I disputed the inquiries with the bureaus but no change was made
Consumer complaint received 2024-03-04
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. (MD)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

On XX/XX/XXXX, I discovered that my chime account has been locked without any explanation. The notification told me to email " XXXX '' to proceed. 

After emailing " XXXX '' twice, I called the support line, who told me to email " XXXX '' instead. 

I emailed XXXX on XX/XX/XXXX, and XXXX more times after that at different days. Each time I emailed, I also called the support line, who told me to be patient. 

After filing a complaint to the XXXX  on XX/XX/XXXX ( more than XXXX weeks after I sent an email to XXXX without a response ) They finally responded with next steps on XX/XX/XXXX, a full XXXX weeks after my initial email. 

They continued to ask for me to provide more and more documentation, which I did provide. 

After sending in everything, they notified me that my account has been closed, and I am not elgible for a refund.
Consumer complaint received 2023-06-15
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. (FL)

I have contacted Transunion about these unverified and unauthorized inquiries. yet it still remains on my file. 
Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX
Consumer complaint received 2023-07-14
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. (MI)

This is in response to complaint : XXXX Experian XXXX XXXX : Charge-offs should not be on your consumer report, because income is not reported on a consumer report. 
Time period For payment or other action : Unless we provide a specific date any time. For your payment or other action begins on the date of this communication. 
IRS reporting of debt forgiveness : If we cancel or forgive XXXX or more of principle on debt you owe we will provide you a 1099-C tax form if required by law. 
XXXX XXXX XXXX XXXXXXXX 15 USC 1681e- election of consumer to be excluded from list.
Consumer complaint received 2024-03-04
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. (TX)

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 inquiries. 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 XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXXXX/XX/XXXX
Consumer complaint received 2023-05-29
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. (FL)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 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 XXXXXXXX
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to close my debit card account and Bank of America will not close it. 
I received a letter from BofA dated XX/XX/2022 stating the agreement terms and fees had changed. It says " if the Agreement and the Fee Disclosure are not acceptable to you, you must call or write us within 21 days after the date of this letter and request that you close the account. '' I called BofA on XX/XX/XXXX to close the account and was told they would not close the account. I asked to a speak to a supervisor and they also told me they would not close the account. I read the letter to them to confirmed it was a valid legal letter from BofA and they confirmed it was. They said they could add my name to a list to send to another manager to see if anything could be done, but not to expect anything until after the holidays. 
This feels like fraud to not let someone close an account and force them to new terms after sending a letter saying they can close the account. 
Additional info : This debit card account is associated with the XXXX XXXXXXXX and was originally opened over 10 years ago when I was had unemployment benefits. There has been a XXXX balance for years and I do not use card at all. XXXX says I need to contact the bank, and BofA says I need to contact XXXX.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (TX)

This company XXXX XXXX XXXX is reporting an inaccurate information on my credit report. Also, there are unauthorized inquiries on my report, I was not aware of these and I want the information removed because it is damaging my credit and violates my FCRA.
Consumer complaint received 2024-03-04
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. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-03-04
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. (FL)

Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, Experian, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under XXXX5 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information TARGET/TD Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection Experian XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection