davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2018-11-19
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. (CO)

This loan was taken out using my credit info to purchase a car loan. I did not take this loan out even though my info was used. It was a family member who used my info. i have reported this to the police and generated a report. i sent this information to the company and expect this company to take this info off my credit report. I do not have the car nor is the car located at my given address. I have no knowledge as to what or where the location of said car
Consumer complaint received 2023-08-13
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. (DE)

According to the FAIR CREDIT REPORTING Everything has to be one hundred percent accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if there is a credit sale deficiency, it is reporting that this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. This has never or will be a loan agreement in place. Under any premises were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. 

Also the reporting of the lateness on the credit report is in accurate, it states I was current then 30 days late XX/XX/2018, 90 days late XX/XX/2018 and the vehicle was reposed in XX/XX/2018. 
The date last reported is inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A : states that I have the right to privacy 15 U.S.C 1681 SECTION 604 A SECTION 2 : states that a consumer reporting agency can not furnish a account without my written instructions Lastly the reinvestigation has taken more than 30 days.
Consumer complaint received 2021-12-06
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. (GA)

XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021. I have disputed multiple times to XXXX that XXXX Public records that are bankruptcy didnt belong to me. Theyve informed me to contact XXXX XXXX the reporting agency to speak with them. XXXX XXXX investigated and removed the public records that theyre reported to XXXX XXXX They also sent documents with proof that credits were deleted. I provided the document received to XXXX and even sent a certified mail and they refused to update my credit file.
Consumer complaint received 2022-12-08
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2019-08-27
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: EQUIFAX, INC. (SC)

Equifax Certified Tracking # XXXX Several different name spellings, variations, SSN variations, addresses and phone numbers appeared on my Equifax credit report, most were taking off. I've included my XXXX report and XXXX XXXX reports showing the same. I've gotten most of this situated before expect a few more items. I was a victim of the Equifax breach in 2012, XXXX document attached ) as well as another breach, and a victim of indentity theft from a close family member. This is another complaint and formal dispute to have this information listed in my letter to be blocked, and deleted.
Consumer complaint received 2021-12-06
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. (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 Equifax 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 Equifax has NOT complied with the XXXX XXXX XXXX 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 ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-02
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. (MD)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) 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! I can not accept this!
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (LA)

I purchased furniture at a local merchant in late, XX/XX/XXXX. That purchase was financed over time, and the loan was sold to XXXX XXXX. My first payment was made in XX/XX/XXXX in the amount of {$180.00}. Subsequent payments of {$180.00} per month were made each month for 27 months and a total {$4800.00}. I have bank records that prove {$180.00} was debited from my bank account each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX. I am happy to provide the XXXX file from my bank, to include confirmation numbers, to the CFPB or the receiving institution. Notwithstanding the monthly payments of the agreed-upon amount, the creditor ( XXXX XXXX ) has reported this trade line severely delinquent -- reporting it 30 days late five times, 60 days late four times, and 90 days late three times. It is egregious that one can purchase furniture, the loan be sold/serviced to XXXX XXXX who receives the monthly amount due, and that bank then prey on a consumer who is making payments in good faith with regularity and never missing a monthly payment. I invite any creditor or agency with a bona fide interest to review my credit history, and you will find stellar credit payment history that begins 19 years ago and includes real estate, installment, and revolving accounts. What is even more unbelievable is the original furniture purchase called for 24 monthly payments of {$180.00}, which is a total payback of {$4300.00}. While I tried to work with XXXX XXXX  even though I could not understand what the problem was, I ended up paying three additional monthly payments of {$180.00} -- making the total payback more than {$500.00} over the original amount of the purchase.
Consumer complaint received 2021-12-29
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. (NC)

FAILURE TO LEGALLY VERIFY I SUBMITTED NOTARIZED DOCUMENTATION REQUESTING VERIFICATION ON THE DAYS OF : XX/XX/21 - ( XXXX ) CERTIFIED MAIL XX/XX/21 - ( XXXX ) CERTIFIED MAIL RESULTS OF BOTH INVESTIGATIONS CAME BACK AS VERIFIED WITH NO DOCUMENTATION PROVING OWNERSHIP
Consumer complaint received 2018-11-19
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: LOBEL FINANCIAL CORPORATION (CO)

This loan was taken out using my credit info to purchase a car loan. I did not take this loan out even though my info was used. It was a family member who used my info. i have reported this to the police and generated a report. i sent this information to the company and expect this company to take this info off my credit report. I do not have the car nor is the car located at my given address. I have no knowledge as to what or where the location of said car
Consumer complaint received 2021-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.
Consumer complaint received 2021-12-06
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-03-18
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. (SC)

After a recent review of my credit reports, Equifax, still has an invalid account on my credit report, XXXX. The invalid account was removed from XXXX   and XXXX. I filed the original complaint XXXX against XXXX on XX/XX/2018. Please advise.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.
Consumer complaint received 2021-12-06
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. (TX)

I'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Consumer complaint received 2021-12-26
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. (AZ)

I have removed these inquiries and I am aware that any inquiry is a receipt of a transaction and I never validated any of these transactions. according to 15 usc 1681 ( n ) and 1681 ( o ) they have failed to comply and follow many of the laws put in place. I want {$1000.00} for each inquiry that has been removed from my report.
Consumer complaint received 2021-12-06
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-26
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/21 I sent a certified letter to TransUnion in which receipt had been confirmed on XX/XX/21, to dispute the inquiries listed on my credit report and request that they removed in their entirety. I had received no response from TransUnion nor any update to my credit report as a result. After XXXX days with no response, I sent a second certificated letter to TransUnion on XX/XX/21 in which receipt had been confirmed on XX/XX/21 to follow up again on my inquiry disputes and requested a second time for them to remove them from my credit report. 

As of today on XX/XX/21 I have not heard any official response from TransUnion nor any updates to my credit report stating they were working on my disputes and legally they are required to remove all of my inquiries from my credit report immediately.
Consumer complaint received 2022-06-11
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. (GA)

I am XXXX XXXXXXXX I was looking over my credit reports and I see All three credit bureaus marked me as late on both XXXX  XXXX accounts on XXXX XXXX. According to law 15 USC 1681 ( A ), you are not supposed to do this.
Consumer complaint received 2021-12-06
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)

I'm here to ask for your assistance with regards to my dispute XXXX days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

First, a little background. Wells Fargo closed my account in 2019 and wouldn't refund the {$900.00} that was in it. I sued them in court. The Court found that they closed my account wrongly. The Court also awarded damages to me. I won although they haven't quite paid me everything yet. Not surprised at their behavior. 

The issue I am wanting assistance with right now is the fact they Wells won't provide my bank statements to me which I need for another reason. Had they not closed my account without warning in 2019, I would still be with them and still have access to my financial info. 

I have called them. Wells told me that they don't have access to my bank statements anymore. They told me it's too late. However, they are just choosing to be difficult. We all know they have to keep this info for some time.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (UT)

On XX/XX/2020 my Citi bank mastercard number was used by an unknown person for a purchase of {$3000.00}. I reported the fraudulent charge to Citi bank and was credited by Citi bank for the full amount. Apparently the company that accepted the fraudulent charge issued a credit to Citi bank of {$2900.00} for this same transaction. Citi then charged my account this same amount {$2900.00} on my XXXX statement but never applied the merchant credit to cancel it out. They are now claiming that I owe {$2900.00}. I have called at least 10 times and have been told numerous times that it will be taken care of. It has not. Citi bank is now calling me and saying that my account is past due. They have charged me interest and late fees and it is affecting my credit score, which has never had a late fee reported. I don't want to pay for a fee I had nothing to do with, but I am concerned about my credit score. I would appreciate your help in the matter.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

XXXX and Equifax is showing a collections account from XXXX XXXX  that has been paid via settlement. I have disputed said account with both bureaus to have the account deleted from my credit report but to no avail.
Consumer complaint received 2018-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Equifax on XX/XX/2018 I file with the CFPB a complaint ref XXXX you reponded you were working on dispute and more time was needed. It has now been over 60 days sense CFPB sent you the dispute and you are in violation. { remove this account at once forever for failuer to respond. it clearly shows that there is no evidence I own this account
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion and XXXX is showing a collections account from XXXX XXXX that has been paid via settlement. I have disputed said account with both bureaus to have the account deleted from my credit report but to no avail.