davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's 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 is the public record reporting on my Credit Report : ( XXXX  XXXX Bankruptcy # XXXX XX/XX/2019-Discharge )
Consumer complaint received 2021-12-14
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX CARD XXXX
Consumer complaint received 2021-08-26
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. (PA)

On XX/XX/2021, I mailed a letter regarding inaccurate, unlawful, and unproven items on my report. Over 60 days later, the company has yet to lawfully handle my complaint as the letter indicated it is not a regular dispute. I am being taken advantage of and the actual complaint is being ignored. Section 611 ( a ) states. Clearly, failure to investigate items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand the accounts be deleted or I will have to resort to filing litigation for 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. Keep in mind, XXXX did a thorough investigation and truly looked into my complaint and complied based on the federal guidelines.
Consumer complaint received 2022-10-11
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. (NJ)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-12-14
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX
Consumer complaint received 2021-12-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Legal Department, ThisDISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently Paid for a copy of my credit reports. And reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means the below listed accounts werenot opened by me, and that I did not profit from these accounts having been opened. 
The below listed accounts by the Original Creditors, who have reportedthese accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-14
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I made a cash deposit of {$260.00} into a local Bank of America ATM I frequently use. Almost two weeks later on XX/XX/2021 {$260.00} was deducted from my account with the message " ATM Deposit on XX/XX/2021 totaling XXXX had a shortage in currency. XXXX. '' Surprised and confused I immediately called Bank of America to file a dispute as this is the first time this has happened in the many years I've made deposits with the bank ATMs. A temporary credit for {$260.00} was issued to me while they 'investigated " the issue. 
I assumed this would be resolved after filing the dispute claim but on XX/XX/2021 the temporary credit was reversed and the investigation didn't find I was owed the {$260.00} cash deposit. I am in bewilderment at how a regular cash deposit which is counted by an ATM is not enough evidence of a transaction. There are cameras at the ATM which can confirm the deposit. If there was truly a 'shortage in currency ' as they stated, why wasn't I returned the money I did deposit. I don't want to assume foul play on their end but I have no idea what measures they took to investigate the matter. 
I am still owed the money I deposited but the claims department and in-person branch is giving me the run around.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I had four student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.
Consumer complaint received 2019-08-06
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. (DE)

The XXXX corporation has Fraudulently Sent information to the Equifax credit company that I have opened a account with them. I have tried to reach XXXX corporation and they not returned my call as ofXX/XX/2019 XXXX. I have a complaint and copy that I hot from Equifax and Equifax has stated that they have a response from XXXX corporation that they have invested the dispute and have the finding. This is still a FRAUD case that I feel needs to be investigated. I feel a penalty should be placed on XXXX Corporation and Equifax for not informing of this Fraudulent account.
Consumer complaint received 2021-12-14
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. (VA)

I purchased a home in XXXX, Fl. in XX/XX/XXXX, the lender was XXXX XXXX XXXX ( XXXX ) and I was never late, never missed a payment. I had no issues, until the mortgage was sold/and transferred to another lender ( XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX continued to report to the credit bureaus on the account although the mortgage was transferred to XXXX XXXX, and I was then paying my mortgage to XXXX XXXX. XXXX reported to the bureaus, non-payments on the old mtg. account with them from XX/XX/XXXX through XX/XX/XXXX -- although I contacted their office, my attorney contacted them, and I wrote letters to the credit bureau, who tried to have them clear it-they refused. As of today ( XX/XX/XXXX ), the negative report from XXXX still appears on my actual credit report as a negative item impacting my score, and it is listed on the 3 bureaus that I have 2 mortgages ( XXXX and XXXX XXXX ), and the one at XXXX lists as 90 days late. Then, as I begin investigating this further again, writing letters to all the bureaus about the situation with XXXX and XXXX XXXX, all of a sudden XXXX XXXX began reporting me late on my mortgage payment with them, after I have had a 7 year payment history of on time payments with them, and no late payments, and a current account in the midst of this devastating pandemic. The bureaus have requested documentation/ proof from both of them, XXXX XXXX refused to change their report and so did XXXX XXXX and refused to provide proof. These are affecting my total financial wellbeing. The fair resolution should be that XXXX needs to completely remove their account from off my credit bureau report/clear the negative items for the 8 months that is listed -- which were after the mortgage was transferred over to XXXX XXXX XXXX Additionally, XXXX XXXX also needs to clear their negative report because my account with them is paid on time, and is current, and has been on time for the past 7 years. It has been a 7 year nightmare of with these 2 players in the banking industry, to try to correct the incorrect reporting of these accounts.
Consumer complaint received 2021-12-14
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. (VA)

I purchased a home in XXXX, Fl. in XX/XX/XXXX, the lender was XXXX XXXX XXXX ( XXXX ) and I was never late, never missed a payment. I had no issues, until the mortgage was sold/and transferred to another lender ( XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX continued to report to the credit bureaus on the account although the mortgage was transferred to XXXX XXXX, and I was then paying my mortgage to XXXX XXXX. XXXX reported to the bureaus, non-payments on the old mtg. account with them from XX/XX/XXXX through XX/XX/XXXX -- although I contacted their office, my attorney contacted them, and I wrote letters to the credit bureau, who tried to have them clear it-they refused. As of today ( XX/XX/XXXX ), the negative report from XXXX still appears on my actual credit report as a negative item impacting my score, and it is listed on the 3 bureaus that I have 2 mortgages ( XXXX and XXXX XXXX ), and the one at XXXX lists as 90 days late. Then, as I begin investigating this further again, writing letters to all the bureaus about the situation with XXXX and XXXX XXXX, all of a sudden XXXX XXXX began reporting me late on my mortgage payment with them, after I have had a 7 year payment history of on time payments with them, and no late payments, and a current account in the midst of this devastating pandemic. The bureaus have requested documentation/ proof from both of them, XXXX XXXX refused to change their report and so did XXXX XXXX and refused to provide proof. These are affecting my total financial wellbeing. The fair resolution should be that XXXX needs to completely remove their account from off my credit bureau report/clear the negative items for the 8 months that is listed -- which were after the mortgage was transferred over to XXXX XXXX XXXX Additionally, XXXX XXXX also needs to clear their negative report because my account with them is paid on time, and is current, and has been on time for the past 7 years. It has been a 7 year nightmare of with these 2 players in the banking industry, to try to correct the incorrect reporting of these accounts.
Consumer complaint received 2021-12-14
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. (NC)

I have sent multiple letters to XXXX  XXXX and Equifax requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the Court and they stated that they do not validate anything. I wrote both Equifax and XXXX XXXX to give them an opportunity to verify that data. Equifax wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Equifax allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in XXXX and white.
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

Debt Collection Company Claimed That I owed an alleged debt from a Car Insurance Company. The Debt Collector submitted collection accusations onto the XXXX Credit Bureaus : XXXX, XXXX XXXX XXXX XXXX  damaging my personal-Credit Rating ( which the Bureaus aren't authorized to exist by law see 15 USC 1681, nor do they have my written consent to post ANY of my personal information on ANY public-website ) and violating Two Acts of Congress : The Fair Debt Collection Practices Act ( F.D.C.P.A. ) & The FAIR CREDIT REPORTING ACT ( F.C.R.A. ). I don't know this company and don't have a contract with this company. I sent this company my dispute dated XX/XX/2021 to remove all harmful violations of the F.C.R.A from the Credit Bureau 's and submitted my Invoice for the several violations as required by the Federal Laws that they violated by this action.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

Hello,I would like to dispute a convergent collection for XXXX XXXX XXXX.  I have tried to dispute it with XXXX XXXX XXXX, Convergent, XXXX and somehow the collection still remains. A balance of XXXX$ remains for the billing period XX/XX/2018-XX/XX/2018. I moved out of by XX/XX/2018.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Starting I XXXX of 2019 when I went to purchase a vehicle and observed trade lines that were not mine. Contacted the ftc and filed fraud package. Also presented police report. The person was caught and locked up. The account was blocked from my bureau and was reported again. I request the XXXX XXXX account he removed immediately or I will file suit. I also demand a giving score update immediately.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Starting I XXXX of 2019 when I went to purchase a vehicle and observed trade lines that were not mine. Contacted the ftc and filed fraud package. Also presented police report. The person was caught and locked up. The account was blocked from my bureau and was reported again. I request the XXXXXXXX XXXX  account he removed immediately or I will file suit. I also demand a giving score update immediately.
Consumer complaint received 2021-12-14
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.