davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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. (MI)

over 30 days ago, I noticed errors on My credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter to which I still haven't heard a response for.
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NJ)

I am XXXX XXXX, I was incarcerated from XX/XX/XXXX, through XX/XX/XXXX. During this time XXXX XXXX was assigned as my POA. My credit cards were stolen from her possession. The Cards were reported stolen, and reissued, but time and again the card was intercepted and taken. In order to preserve my credit, my POA paid minimum payments until my release from prison. I found out that multiple cards were opened in my name. Police reports were made. The person that stole my identity and credit has been arrested, charged, and waiting sentencing. She has been indicted. There are approx 30 felony charges against the person. My POA sent copy of police report, copy of proof of the person charged and arrested. Yet TD Bank REFUSES to acknowledge the theft, and REFUSES to remove the fraud charges and refund all money paid to them. The are destroying my credit. All other Banks have finally refunded and removed are charges. I am asking the Banking department to assist in getting TD Bank to acknowledge the theft and remove all charges, restore my credit and refund money that was paid to keep the account current until I was free to fight this action myself. The Prosecutors office has already made clear that this card is part of the criminal action against the person responsible. 
Please feel free to contact me. 
The Prosecutor file number : XXXX in XXXX XXXX Victim Witness Advocate is XXXX XXXX XXXX. Because XXXX XXXX is my POA the Prosecutor acknowledged the theft and therefore prosecuted. 
Complaint Actions Requesting to have TD Card Services REMOVE all Charges, RESTORE my credit, and REFUND all payments made on fraudulent charges. All other card accounts from XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, etc. have refunded
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

Because 15 USC 1681b clearly states they ( company ) must have written consent from the consumer ( 1 ). Your company obtained this account without my consent as the consumer and that is going against 18 USC 1028A as aggrevated identity theft. I will continue to fight for my rights to get these accounts you have in your possession removed. I will now be reporting your company to XXXX XXXX XXXX XXXX as fraud due to acknowledging my consent without my permission. Company did NOT do as I asked. I also would like to know how did the particular company come back verified as accurate when this company did not have my written consent in which they were sold this account debt. I also would like to know whom did they speak with Personally in regard to this debt? 
I WANT THE CFPB TO PUBLISH THIS
Consumer complaint received 2021-09-15
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. (OK)

XXXX XXXX has several hard inquiries on my credit report that I did not authorized. These come from the date ( s ) of XX/XX/2020. They appear from the name ( s ) of XXXX XXXX XXXX and XXXX. I am asking that they be deleted from credit profile.
Consumer complaint received 2021-09-15
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. (PA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. The payment history is incorrect. Late payments from the entire account history were all on time. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines.
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (NY)

I reviewed my credit report and i noticed some unauthorized inquires on my report which means some type of fraudulent activity was taken place. I ask that the following Hard inquiries listed in my FTC report to be removed.
Consumer complaint received 2021-01-04
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. (FL)

) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-11-01
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-27
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: Experian Information Solutions Inc. (TX)

XXXX and Experian are reporting a bankruptcy on XX/XX/2018 for me. When I asked for proof of validation they stated that the record was validated by the XXXX XXXX XXXX TEXAS located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I reached out to this federal agency to ask for them if they provided this validation to which they sent me an affidavit stating they strictly do not and have not ever provided validation of personal records to credit bureaus. I will attach this affidavit if possible. Clearly XXXX and Experian are not being honest in their claim to validating this record as the source they used stated the opposite. Additionally, this same dispute was brought up with XXXX bureau who agreed that it shouldnt now nor in the past ever have been reported on my credit report. I have tried to explain this multiple times to XXXX and Experian but they do not cooperate nor take the time to back up their lies of this records proof with the claim the agency rebuked. Per section 611 of the FCRA, bureaus are required to validate accuracy of information with the furnisher. In this case the XXXX and Experian are claiming the furnisher is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas however via affidavit the XXXX Bankruptcy XXXX XXXX XXXX XXXX Texas explicitly denies ever being the furnished to validate or provide such information. Thus it should be removed!
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I Experian put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing Experian. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.
Consumer complaint received 2021-09-15
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: 3rd Generation, Inc. (CA)

I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-04
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. (TN)

Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I XXXX  put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing XX/XX/XXXX. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED AUTO ACCEPTANCE (GA)

On XX/XX/XXXX I submitted a dispute to XXXX due to XXXX is reporting that there is an account opened for United Auto Acceptance. 
As a result, my credit score dropped XXXX points! 

My XXXX report shows Date of Last payment shows on my Credit report as : XX/XX/XXXX. 
This is not true! 
This account has been closed since XX/XX/XXXX. 
I returned this vehicle to the Dealership ( XXXX XXXX  ) with the keys due to multiple issues with the vehicle. 
I purchased another vehicle ( with another Dealer ) the same day that I returned the XXXXXXXX XXXX Vehicle and keys to them. 
This account should be removed from my file due to its been over 7years since the account was closed. 
Please remove this account from my Credit Report and add back my XXXX Points to my Credit Score.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (GA)

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 accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-09-15
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 had earlier filed a dispute with Experian as it pertains to an account that I had with XXXX XXXX XXXX XXXX. Experian was reporting that I was delinquent with this account. I filed a dispute with Experian and today I got an email from Experian saying that the account has been updated to ( paid, was past due 30days ) and this is false. I had contacted XXXX XXXX XXXX XXXX about this account been reported as been delinquent and they said that they was going to change that information in there system and have the delinquency/ late payment removed from my account as this was not the case. 
I am enclosing a copy of the letter/ email that the Manager Of XXXX XXXX XXXX XXXX sent to me. This account should have no late payments or delinquencies listed on it.
Consumer complaint received 2021-09-15
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-04
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. (TN)

Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now XXXX a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I XXXX  put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing XXXX. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST HORIZON BANK (TN)

I recently received a letter in the mail from First Horizon Recovery Department stating that this was attempt to collect the debt for a account that was in the positive for {$5200.00}. According to federal law I am not obligated to pay any amount debt in which, I responded back to them with a affidavit of truth letting them know about the violations that was violated. I haven't received a full line by line response from them yet they only answered part of my affidavit.
Consumer complaint received 2021-09-15
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. (IL)

I recently mailed Credit Bureaus a letter disputing items appearing on my credit report, which they maintain. They response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Their response is ludicrous.

Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. They are still bound by the 30 day investigation period which has now lapsed. The following items must be removed : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account resulted due to identity theft. XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2021-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

I have enrolled into XXXX XXXX XXXX because I was told I would be able to get a job right after my XXXX XXXX in XXXX. That did not happen. In XXXX, I worked hard and received my XXXX XXXX. After my XXXX, I requested to change my major and my field of study and was denied. Due to that, in XXXX, I started working for my XXXX XXXX with no other choice. I was not able to complete a class with a grade that they wanted, so the University kicked me out with only a half or a quarter credit left on my XXXX. I have never been able to find a job with any of my degrees. Now, I am homeless doing my best to find a solution to not have my wife and I on the streets this winter. Unfortunately, I can not work in any hard or medium labor jobs that don't require degrees due to XXXX, XXXX, XXXX, and many more problems resulting from a car accident. I was told years ago that I would not make it to XXXX and without a job or insurance I can't even find a doctor who will help me with my health. Without the doctor, Social Security XXXX keeps denying me for benefits due to lack of medical records that last 6 months. Without having any job or form of income, minus my wife 's social security for her XXXX , I am unable to care for myself or my family. With only my wife 's Social Security ( {$790.00} ), my credit report dragged down with student loans, and unable to find a job I can do in my field, we can't even get into the lowest form of trailer park that's only {$400.00} a month, which was our last hope before winter. If I pass away sometime soon, my wife would have to deal with the {$100000.00} of FedLoan debt because I was scammed when I was younger and believed the promise of a job which would of lead to a good life for my family and I. I feel useless and less of a man for it and wish I could change a lot that happened in my life so my family and I are not on the streets anymore and I can make sure there is always " bacon '' in the fridge because I should have been " bringing home the bacon '' and supporting my family with my degrees. Thank you for taking the time to check this out. I appreciate this a lot.
Consumer complaint received 2021-09-15
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. (FL)

Credit Bureau XXXX, XXXX, and Experian failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (MO)

I had trouble getting a report from Experian so I called their support. Their support told me the SSN they had on file for me was different from the on printed on my card. They changed the number and confirmed this change in record with me via snail mail. However, I still can't get a report from them. I can't qualify for a card card ( despite having any credit history ) OR get a free report. Most sites tell me that my SSN is invalid but it's literally printed on my card and I use it to file my taxes annually.
Consumer complaint received 2021-01-04
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: CITIBANK, N.A. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019 and XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.