davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion and Experian 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-27
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. (MD)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is refusing my credit score in which I'm trying to keep up with due to fraud and stolen identity there is a fraud alert on all my credit reports yet the information they will not release to me is causing me even still to not be able to properly apply for or receive credit or loans
Consumer complaint received 2022-08-31
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. (CA)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/2020
Consumer complaint received 2019-09-10
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. (NY)

I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, XXXX, XXXX and Trans Union collectively.  A debt collection agency known as XXXX XXXX is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The Bureaus and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.
Consumer complaint received 2024-02-20
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. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (IL)

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. Account # XXXX. 
XXXX XXXX. Account # XXXX. 
XXXX. Account # XXXX. 
XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX. Account # XXXX. 
XXXX XXXX XXXX. Account # XXXX 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 items of information, other than records of convictions of crimes more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

My late husband XXXX XXXX XXXX was a 100 % XXXX veteran. 
XXXX XXXX XXXX XXXX sent me to collections for a bill that should have been paid by the Veterans administration. As a widow I am unable to afford this Collection debt. 

I did dispute the charge but they insisted that I was responsible for his hospital bill. 
I also called Kings Credit Collection agency to talk with them but they insisted I was responsible for the bill also. They suggested I contact the XXXX XXXX XXXX to try to resolve this issue. I was not informed that I would be sent to Collections by the XXXX XXXX XXXX. 

I have also tried to resolve this with the VA but was unable to get this problem resolved. 

I feel that the VA should have paid this bill. My late husband passed away suddenly on XX/XX/2015.
Consumer complaint received 2021-12-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Delete these erroneous items from my credit report as soon as possible. 

*Please remover all non- account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 
Please remove all accounts that are not XXXX XXXX  Compliance Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXXXXXX or any means of automated verification. 

Failure to respond satisfactorily within 30days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act 4 ) Financial Injury Thank you for your time, P.s. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforce Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NY)

During Covid, around XX/XX/2020, I was sent an email from XXXX saying that I was able to extend possession of an internet router until it was feasible to send back. Without warning, I was sent a bill for the entire balance of the router. In XXXX of 2020, I returned the router to the store. There was no other outstanding balance in the account. I heard no more from XXXX, and was told by an employee that the bill would be discharged. I have since been sent mail from a debt collectors agency trying to get me to pay for the router that I returned. 

I have attached the emails from XXXX, as well as the letter I was sent from the debt collectors. Please advise as to what I can do in this situation.
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover card closed my accounts even with perfect payment and even paying before payment dates just to keep the accounts healthy. It is wrong and should be illegal to close someone's account without valid reason especially when the account is being taken care of better than most customers. This feels discriminatory as I am of XXXX descent. This resulted in lowering my credit score which therefore harms my chances of being approved for credit at good interest rates. Closing my account also lowered the average age of my credit itself. This alone is an erroneous report on my credit report as I do have over 2 years of credit history with Discover. Discover should reopen my account or delete my account altogether. This just isn't fair in the middle of COVID 19. In addition, I also have perfect credit history with all my other credit card companies. In fact, they are all paid off.
Consumer complaint received 2019-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

XXXX Short Sale Negotiator XXXX XXXX XXXX  ( 2 minutes ago ) to XXXX, XXXX, XXXX   XXXX We have completed every single request that had been requested per the foreclosure department as we have a cash buyer at XXXX and this is a fair offer as she is about 10 months behind last amount of payoff XXXX. Ms XXXX has true hardship and we have rushed to have this completed to review for an approval of the short sale. Ms. XXXX submitted all these docs in XX/XX/2019, Truly, no reason not to assist the seller to complete the review. This would be horrible news to this seller for they have responded to every requirement of the Lender. The investor directed us to the Foreclosure dept. and foreclosure dept sent us to Loss to make sure all docs were in review to stop this sale.
Consumer complaint received 2021-12-23
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. (FL)

On XX/XX/2021 XXXX XXXX XXXX  closed my account. 
On XX/XX/2021 XXXX XXXX XXXX send a written notification that " The account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX ''. 
I have NEVER EVER been late on this account, although XXXX XXXXXXXX XXXX updated by Consumer reporting agencies ( XXXX, XXXX, Transunion ) as CHARGEOFF. I have never ever been late and I am providing the written notification by XXXX XXXXXXXX XXXX stating that the account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX. 

THIS SEVERE SCANDALOUS ACTION by XXXX XXXXXXXX XXXX  is destroying my PERFECT payment history in my credit.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

A transaction of {$3600.00} went through on XX/XX/2021. 
I called in in XXXX to report it as fraud. 
Chase refused to reimbursed it based on the fact that it has been too long.
Consumer complaint received 2023-06-27
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2024-03-11
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I submitted a dispute to Equifax to correct my legal name. I even submitted my state issued XXXX XXXX with my legal name and date of birth and current address. Despite that I receive notice that it was corrected but the incorrect still appears. Also with Equifax my credit report states " Report Blocked for Promotional Purposes. '' I have called them XXXX times and spoke with someone who verified it has been removed but need to wait over XXXX hours. It has been XXXX days or XXXX hours since last telephone call and the message still appears.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (PA)

The company escheated {$420.00} to the state of PA. I am trying to claim the money from the state but they need a holder verification form completed to prove the money belongs to me. This money is the appraisal fee I paid to Caliber Home loans in connection with my application in XX/XX/2013. This application was to purchase a home and was subsequently declined. The address they had on file to mail the check to was the property address that we did not buy. I have left several messages for the customer resolution team and have not received a call back. I also spoke with the Loan Servicing department and they advised I had to speak with loan originations which is the department I've left messages for.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

CFPB recently closed the complaint I had made Chime is very A fraudulent business. Their were two purchases that I dispute with them Im aware I know there still working on one with my checking account but I dispute one with the credit card I have with them as well. Their trying to play crazy now I know Im dealing with scammers. They always say no errors occurred you can go to the XXXX  and see. They dont do any investigation there liars Ill leave a photo of the dispute they denied I made all the dates will be provided. I dont understand how there stil in business.