davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-21
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: Experian Information Solutions Inc. (NY)

When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX  I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs XXXX  lawsuit.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my Transunion, XXXX, and XXXX consumer reports and noticed an ongoing issue with XXXX XXXX XXXX XXXX conflicting furnishing of {$450.00} as derogatory but also considered a " charge-off/written off as bad debt '', while I've also being sent emails of monthly balances owed treating the account as open. XXXX XXXX XXXX XXXX is in direct violation of section 607 ( b ) of FCRA, " consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the XXXX XXXX XXXX XXXX XXXX is also STILL currently charging interest onto the {$450.00} and have been receiving emails of " balance due '' payments as if the account is still open. This is also a direct violation of law 15 USC 1692f 808 ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' and 15 USC 1692f 812 ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting recent late payments on an old XXXX XXXX XXXX ( acct # XXXX ) that has been closed since 2014. How can this be possible. The account was paid and closed and the date of last activity was in 2014. The other bureaus are reporting the account accurately but Experian is NOT. This error is HIGHLY impacting my credit scores. Correct these errors immediately or delete the account off my credit file!
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

I on XX/XX/2019 used an ATM machine usin g the private pin number given to me by Suntrust Bank in ATM receipt. When I called Suntrust Bank to inquire why my pin gav e me access to an alternate account which had {$570.00} when there was only according my records {$8.00}. They refused to give me a sufficient answer hung up on me!!!! I would like an explanation Why my personal pin has access to other accounts??? Why I don't have access to these funds and where is this money coming from. Thank you. May XXXX XXXX Bless you.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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 2019-12-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX  and XXXX  has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated
Consumer complaint received 2019-12-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

XXXX  and XXXX has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated
Consumer complaint received 2020-11-11
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (AL)

Please note that I am the author of this complaint and all attachments included This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX  XXXX account shows that I missed a payment on XX/XX/2021 which is not true. On XXXX it shows that I payed on time, but on equifax and XXXX  show late payment.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MO)

I have asked this company to send me the contract saying I still have a balance and they keep ignoring my request. It was just removed on my credit report last month and now its back on there again. Its so many things reporting inaccurately with this account reporting on my credit report and its hurting me from getting a new car because its showing up wrong on my credit report. I have asked them to show me where they are getting these balances from because this account was paid off and closed by the insurance company.
Consumer complaint received 2019-01-21
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (CA)

XX/XX/XXXX I used my credit card to paid for gasoline in XXXX XXXX. The clerk said my card was declined. I paid with cash and left. Days later, I noticed there's a pending charge on my Barclay app for the gas station.

XX/XX/XXXX I called Barclay to dispute the charges. I faxed them the receipt saying my card was declined.

XX/XX/XXXX I received a documents from Barclay. There's a copy of the receipt from the gas station with a signature that was not mine.

XX/XX/XXXX I faxed Barclay at XXXX   docs in response. I included the DBO case number in the fax cover and letter. I got a confirmation that the fax was successfully sent from XXXX. My statement was that the signature on the receipt is not mine. I included a sample of my handwriting and a copy of the driver 's license which has my signature. I indicated that the merchant 's receipts is time stamped XXXX and my declined receipt is time stamped XXXX. This meant the clerk ran my card twice and kept the first receipt. He then gave me the decline receipt. There's no other reasonable alternative as to how I received the second receipt less than one minute later, except that the clerk gave it to me as proof that my card was declined.

XX/XX/XXXX I called Barclay. They said there didn't get my fax. The rep verified the fax number and said to try again without the " XXXX  '' and wait 24-48 hours. I sent the fax to XXXX. I got confirmation of successfully sent.

XX/XX/XXXX I called Barclay. Spoke with XXXX. She said they didn't get my fax. She said to try another fax number XXXX and to mail the documents in. I asked why they aren't getting the faxes, when the confirmations said the docs were successfully sent. She said to try the other fax number, wait 2-3 days, and if that doesn't work, they have another method.

XX/XX/XXXX I faxed the documents to XXXX  and sent the docs certified XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX DE XXXX.

XX/XX/XXXX Having not heard anything from Barclay, I called and spoke with XXXX. She said I have to take the dispute to the merchant, because the merchant provided a signed receipt.

I am a victim of fraud, and I feel Barclay is trying to weasel their way out of this. Barclay is obligate to protect the consumer. If this doesn't work out, I will pursue this matter small claims court plus punitive, no question. Do the right thing Barclay. I have all my documents ready.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

In Accordance with the fair credit reporting act Collections account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that i have right to my privacy. 

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX  XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. After this investigation was completed, I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification/validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (FL)

We gave the landlord the required notice to break the lease early and also forfeited our security deposit, but an outrageous debt amount of {$8100.00} was posted on our credit report for collections without us ever being contacted about it.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I had fraudulent charges on my account due to my card getting stolen and I potentially knew who the suspect may have been. I reported it to my bank gave them all the information I had and they asked that I do a police report. I did the police report answered any questions they had and that was it. My bank tells me Im denied because I didnt name the potential suspect to the police. They also said there were no errors on my access code to my debit card. I called back explaining that I believed the information I gave the bank and the police were sufficient for them to work together to look at cameras to see who may have actually used my card. The individual working on my case told me from the beginning that they can deny my claim for nothing if they really wanted to however he felt as though I withholding information on purpose. Overall this put me in a very bad situation financially. Im not able to pay my full rent or car payment at all.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I recently obtained a credit report and discovered that the three credit reporting agencies, XXXX, XXXX, and Equifax, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, XXXX, and Equifax. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, XXXX, and Equifax.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-22
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. (MD)

XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights 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
Consumer complaint received 2023-03-01
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2018-05-21
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: ALLY FINANCIAL INC. (LA)

I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.
Consumer complaint received 2018-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (VA)

This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from XXXX XXXX XXXX for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and was repeatedly transferred to a representative 's voicemail ; in which absolutely none of my voicemail messages were returned. This debt was fraudulently placed on my report without my consent. I've requested verification of said debt account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.