davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

It appears that you are not taking into consideration the fact that you have not provided the reply to the dispute that was received and signed for by your office on XX/XX/2018. No response was given or replied to the letter of dispute. Based upon FCRA rules and regulations if a response is not received in a 30 day time frame the Item has to be removed from the credit report. You have failed to do so. The so called agency that you continue to lie and tell me that was verified is XXXX XXXX. You have not verified anything for I have spoken to these companies and have been informed that they are not able to verify or report any information what so ever on my credit report do to the status that I have with them. That status is non of your concern, however what is your concern is the fact that I have proof that a letter was delivered to your office that you failed to respond to in a timely manner. If this Item is not removed upon receipt of this letter I will be taking the next step and filing a lawsuit against your establishment as well as the reporting entities that you claim are stating this is valid. This is the last and final good faith given.
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/2018 I was trying to pay my XXXX XXXX bill that is in collection with XXXX XXXX {$24.00} dollars, it wont let me pay anymore. im very mad they had done this before I will get a lawyer and sue them cause this is not right. I was going to pay I payed XXXX dollars last month still there rude idk what there problem is I know its in collection Im paying for it..
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2022-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL) (NC)

I wrote a letter to AR Resources about a medical bill requesting a detailed/itemized of the bill they say I owe them {$92.00} in XX/XX/XXXX. In XX/XX/XXXX I sent AR Resources another letter. XX/XX/XXXX, I sent them letter requesting the detailed/itemized bill again. XX/XX/XXXX, I sent AR Resources another letter demanding they prove the debt. Again they sent me an invoice {$92.00}. AR Resources refuses to communicate with me. I want this information removed from my credit report. I have spent months trying to get what they are billing me for. This company is violating the Fair Credit Reporting Act.
Consumer complaint received 2024-02-07
Product: Credit reporting 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. (CA)

Disputed unauthorized credit inquired with Experian, but was advised to submit identity theft report. 
1. XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 2. XXXX XXXX XXXX : XX/XX/XXXX 3. XXXX : XX/XX/XXXX ; XX/XX/XXXX 4. XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 5. XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 6. XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 7. XXXX  : XX/XX/XXXX ; XX/XX/XXXX 8. XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX 10. XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX 11. XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

1. The initial complaint that I submitted is attached and named XXXX XXXX XXXX Complaint Detail. ( XXXX XXXX is hereinafter referred to as XXXX. ) 2. In my XX/XX/2018 letter to XXXX, I requested validation of their claim that I owe {$520.00}. Specifically, I requested competent evidence bearing my signature, showing that I have ( or ever had ) some obligation to pay {$520.00}. 

3. As you can see in XXXX 's response to the complaint, it provided a copy of a bill ( attached ) as supposed validation. A copy of a bill does not constitute validation. 

4. As per the FTC Opinion Letter of XXXX XXXX XXXX, I am sure Experian, XXXX, and XXXX are aware that a printout of a bill does not constitute validation. Thus, well over 30 days have passed and XXXX has failed to provide a copy of any viable evidence bearing my signature. 

5. The reported {$520.00} item is inaccurate and incomplete and represents a very serious error in your reporting. The item should be permanently deleted. 

6. Additionally, as I am sure Experian and XXXX  are also aware, XXXX has a very unclean reputation when it comes to debt collecting. I have attached some excerpts from the Consumer Affairs website. As you can see, XXXX will stop at nothing short of lying, creating false accounts, threatening people, initiating annoying robocalls, and more. 

7. This CFPB complaint system is the perfect ally for those of us who are being treated unfairly by companies like XXXX.
Consumer complaint received 2018-11-01
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. (CA)

I have disputed the late payments on XXXX XXXX XXXX XXXX account. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After contacting the lender, XXXX A/C # XXXX, and the attorney involved with the bankruptcy, XXXX XXXX at XXXX XXXX in XXXX, FL, I have located all of the paperwork necessary to correct the issue, yet neither of the above companies will file the correct paperwork to the credit bureaus to fix the problem. I have all of the additional paperwork that was sent to XXXX that they said they never received in order to put this loan onto my credit reports. Someone in either company made a mistake but I should not have to pay for this very costly mistake. <P/>My additional complaint ID is XXXX, this is NOT A DUPLICATE. Someone in one of the companies above made a mistake, and it is being taken out on me. I need this reported on my credit report, as this is my lifeline being a XXXX mother of XXXX XXXX boy. I expect this to be corrected by XXXX, they have the proof of everything, but will not fix it. <P/>I have to purchase another vehicle soon, and this needs to be on my credit report showing the excellent payment history that I have provided.
Consumer complaint received 2018-11-02
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. (LA)

I have been fighting EQUIFAX for almost a year now trying to reslove ID THEFT issues. I have retained a attorney to assit in this matter due to EQUIFAX refusing to take any action and remove fraud accounts even with police reports and over whelming documents proving these accounts are fraud!!! They were all removed at one point and now or re-reporting. Equifax refuses to do anything even when i call the Office Of Consumer Affairs they do not help in any way. The following accounts are FRAUD and need to be blocked and are removed ASAP other credit agencies have removed and confirmed these accounts are fraud, why wount Equifax? 
1.XXXX Reported : XXXX XXXX, XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 3.XXXX XXXX 4 XXXX Reported : XXXX XXXX, XXXX 4.XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 5.XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX 6.XXXX Reported : XXXX XXXX, XXXX 7.
Consumer complaint received 2023-03-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # ending XXXX XXXX XXXX XXXX Has Violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I've observed that my consumer reports contain illegal unauthorized accounts. This reporting agency has integrated this erroneous data despite my repeated warnings. The FCRA 's requirements have been consistently disregarded by this agency.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( XXXX ) adding additional amounts.
Consumer complaint received 2024-02-07
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. (GA)

I am XXXX 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 XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX acct XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-30
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. (WI)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2017-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Jim Bottin Enterprises, Inc (CA)

I have had an open on account with XXXX XXXX XXXX XXXX XXXX ; this was a contract that was picked up by XXXX XXXX. My original contract was with XXXX XXXX XXXX. They went out of business this year and XXXX XXXX offered to allow use to their facilities. This was true as of XX/XX/XXXX, XX/XX/XXXX.
On XX/XX/XXXX I mailed out cancellation notices regarding my account -- a XXXX XXXX also sent the same notice. ( this is relevant because my account is charged for both XXXX and my gym membership. ) On the following day ; I sent a notice of bank transfer authorization notice ; in the letter i state that any authorization that once had been given was fully revoked, effective immediately. I also made sure to send a copies of both notices via email to both ( XXXX ; and XXXX ) OnXX/XX/XXXX I called my bank XXXX to let them know I had revoked any rights to transfer of funds to the specific XXXX XXXX and their billing unit XXXX XXXX. My bank said that to uphold such rights to refuse use of my banking account, i would need to pay {$30.00}. I refused because it seemed outrageous to charge me {$30.00} to stop pay on {$20.00} gym memberships. To date I have now been charged two separate {$10.00} transaction from XXXX XXXX. My original contract was for one ( 1 ) year startingXX/XX/XXXX and it was effective for 12 months.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (KS)

XXXX2017, I logged in to pay my Best Buy Visa Credit Card bill and noticed my account had been closed. I called customer service who transferred me to an account specialist. They informed me that because mail had been returned to them they had to close the account. I verified my address with them and asked them to reopen the account. They said their policy stated that they could not re-open my account and I would have to re-apply if I wanted to have a best buy card. I tried to escalate this matter to a supervisor and was told the same thing. My account has alway been in good standing, I managed my credit limit well and never had a late payment. There is no reason why Citibank would have a reason to keep this account closed.
Consumer complaint received 2018-11-01
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed a negative account on my credit report from Bank of America for {$1700.00}. I sent BOA a debt validation request letter on XX/XX/XXXX which they did receive on XX/XX/XXXX @ XXXX. It is now XX/XX/XXXX & BOA has chosen to ignore this letter. They have NOT responded. I want this deleted from my credit reports Immediately & for them to cease. This is not my debt.
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (PA)

IQ Data international at has been sending me collection notices for the amount of XXXX the collection has posted past due balance. I dont know this company. I have never done business with this company before. This company does not have a contract with my signature.
Consumer complaint received 2018-11-01
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: Waypoint Resource Group, LLC (PA)

Waypoint Resource Group reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX andXX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted Waypoint this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX  without providing any information about the XXXX account. I, again, called Waypoint in XX/XX/XXXX of this year and insisted that they research the bad debt. They gave me a XXXX  phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX  but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX  called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX  but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because Waypoint, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX   claim I owe them money when I haven't had their service since I moved to PA in XX/XX/XXXX!!
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

Father diedXX/XX/XXXX XXXX XXXX, has a Wellsfargo Checking and Savings account, I XXXX XXXX  am the daughter and trustee, ( see proof ) went into Wellsfargo bank in XXXX   Ga said cant give money!!!!!! I am the trustee see proof! And Mr XXXX was a veteran!