davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

Got an alert on my report that there was a collection on my account from an unknown collector from an unknown source that says they are collecting from a lender that is also unknown and nowhere to be seen anywhere on my credit file anywhere past or present and I have no knowledge of ever using this lender for any services. I request the collection agent delete this account off all the reporting agencies and stop all attempts to collect any debts that I do not owe.
Consumer complaint received 2021-07-27
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)

I refinanced and XXXX XXXX  purchased the loan. I placed myself on autopay, as I have done for every mortgage for the last 15 years. XXXX asked me to mail in something to place me on autopay, which I did and my autopay started. XXXX mistakenly removed me from autopay. I found out and made several calls, all to which they advised nobody was available to discuss this with me. On one call in the beginning of XXXX, they said there was nobody that could answer the phone at all and to try back another time. I have had nothing but trouble with XXXX XXXX. They did not disclose the problem with autopay until XXXX when they reported this to the credit bureaus and my scores dropped from the XXXX 's to the 500 's. I HAVE NOT RECEIVED A SINGLE LETTER FROM THEM OR I WOULD HAVE DEALT WITH THIS IMMEDIATELY. THEY WILL LE AND SAY THEY DID BUT WHY WOULD I BE DISHONEST? WHY WOULD I RUIN MY CREDIT IF I CAN ABSOLUTELY AFFORD TO PAY MY MORTGAGE??? I am about to lease a new car and sell this property and now I can only sell my property. I can not rent because of the credit score that XXXX mistakenly reported was late. The mistake was on THEIR END. I have never made a late mortgage payment, ever. They even agreed to waive the late fees I already paid to bring my account up to date. This is clearly an admission of their mistake. They have still failed to advise the credit bureaus of THEIR mistake and this has impacted my life terribly. THIS EXACT SAME ISSUE OCCURRED IN XXXX WITH XXXX!!!!!!!!! On XX/XX/21, I called XXXX AGAIN! at XXXX. I spoke to someone to explain the problem again and asked for the escalation manager. This was at XXXX XXXX After holding for 9 minutes, someone came on the alone and said there was a bad connection and disconnected me!
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've tried numerous times to have XXXX dba XXXX XXXX mortgage company update my credit report in a timely fashion. I've had to contact them every 3 months to get them to report it on time. Its still showing the last payment as XX/XX/17. I need the XXXX and XXXX payment updated. Last payment {$1400.00}.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I called this number thinking it was XXXX. A man answered advising his name was XXXX and he said he would be able to help me with my account. I got a message when I logged into XXXX advising that my account was locked due to suspicious activity and that I needed to call this number XXXX. He said I needed to verify my account and they way I would be able to do that was by transferring money into my account. I wire transferred money into what I thought was my coinbase account and it was actually someone elses. There is activity of a wire transfer for {$18000.00} to a domestic account called XXXX XXXX XXXX. I called the wire transfer people as soon as I realized it was a scam to try and cancel it and I also called XXXX XXXX XXXX  but they said there was nothing they could do. I have attached everything to this as well for any numbers you might be able to use.
Consumer complaint received 2023-03-09
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-07-27
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. (UT)

On XX/XX/2021 I sent a certified dispute, and received results XX/XX/2021 that the items in dispute were verified. 

On XX/XX/2021 I sent a certified request under FCRA 611 ( 6 ) ( b ) ( iii ) to provide " a notice after receipt of my request, that contains a description of the procedure used to determine the accuracy and completeness of the information supplied in regards to the investigation of my dispute, which shall be provided by the agency ( Transunion ) including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher ; if reasonably available. 

Furthermore, I requested that the information be sent to me within 15 days as governed by FCRA 611 ( 7 ).

NO RESPONSE WAS RECEIVED REGARDING MY REQUEST UNDER 611 ( 6 ) ( B ) ( iii ). Yet, Transunion documents my dispute as being " FCRA Compliant ''. 

My dispute was not properly investigated. Even now,, the creditors disputed supply different data to each of the credit bureaus. The avenue that allows the consumer to be notified of how the dispute was investigated, and whom supplied the information has been disregarded by Transunion unlawfully. Transunion representatives state that the company has no obligation to follow the FCRA concerning the matter.
Consumer complaint received 2021-07-27
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX, XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CO)

I cancelled my auto policy with XXXX XXXX XXXX on or about XX/XX/20. In the following months, they proceeded to continue trying to charge me for premiums and turned my account over to a collection agency CCS COLLECTIONS. I disputed the debt. with XXXX XXXX successfully but XXXX  is still reporting it and my attempt to dispute was unsuccessful. When I contacted XXXX XXXX directly, I was transferred repeatedly to different operators and eventually hung up on.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (LA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-11-13
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. (CA)

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OK)

Experian is not reporting a credit card that has been reporting information to them. XXXX XXXX has been an active account with a {$300.00} limit for time now and it does not reflect on CRA Experian. It reflects on the other, but not Experian.
Consumer complaint received 2021-07-27
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: Experian Information Solutions Inc. (GA)

I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, US DEP ED. There were also several inquiries that I know nothing about 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. I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021, I was texting a coworker who I've know for about 2+ years and was chatting about this investment that doubled my money and promised me the money in 12 hrs and I wasn't given any money back. I issued a fraud claim ( which the amount was {$28000.00} ) to my bank a few days later and had to wait over 10 days to get results or a answer, however, they denied my claim saying I was the one who sent the money and couldn't do anything for me. XX/XX/2021 I went to the bank in person and spoke with someone and they told me to file a police report and use that to reopen my claim.
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus for a company called XXXX XXXX. The company is is reporting inaccurate account name, no of months, payment status, last reported, Date of last activity, and date of last active. This is a violation. I have disputed this information several times starting at XX/XX/2021. I have not received a response. They had had plenty of time to investigate and respond to me.
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2021, I sent my first letter to the credit bureaus in regards to an account that is inaccurately reporting on my credit report ( XXXX XXXX ). XXXX XXXX is reporting my date of last active and date of last payment inaccurate. I have sent a letter asking them to verify, validate, and investigate this account. I have yet to receive a response after several attempts. I have been patients but they have had more than enough time to properly investigate my requests. This is a violation.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I did a dispute with XXXX. On XX/XX/2021, I received a letter from XXXX that all bankruptcy items were removed from my public records, on my consumer report. On XX/XX/2021, I sent a certified letter to all 3 credit bureau with the attached letter from XXXX XXXX that the items were removed, due to their inability to verify the accuracy in a timely manner. Also, the courts letter stated that they don't verify information ( that include anyone involving the courts ) I called XXXX on XX/XX/2021 and they said they cant remove the items on my credit report due to XXXX reporting. I called XXXX back on XX/XX/2021 and I spoke to XXXX. He said, that the letter that stated your items were removed from our database ( verified database ) is correct. But then turned around and told us that there's another database ( unverified database ) that consumers are unaware of that the creditor 's use which they pull from that database which still has the information. ( Unethical ) Under the FCRA law they have 30 days to do their investigation. They said that the other database ( XXXX ) dispute can go from 40-60 days. We have provided XXXX from the courts stating they dont furnish this information nor do they verify this information. And that it should be disputed and removed from both databases. I have provided the supporting documents.
Consumer complaint received 2023-05-20
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Will Not Work With Me, A XXXX XXXX On A Fixed Income, With Removing A Late Payment On My Account. This Is Negatively Impacting My Credit Score, I Sent Them A Good Will Letter Stating That I Had Some Health Issues And That I Was On A Fixed Income. This Is The 1st Time This Has Happened And It Is Absolutely Ridiculous That My Credit Card Comnpany, Capital One Will Not Work With Me Even Though I Sent Them A Good Will Letter. The Case Number With Capital One Is XXXX
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loa

ns being forgiven. I logged into
my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

A middle name has been added to my Transunion account and maybe the other as of XX/XX/2020. XXXX and XXXX is listed as my middle name and that is incorrect, I have written in letters on 3 different occasion and Transunion continues to send me an " updated '' report with the same incorrect name.