davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a new complaint to the CFPB with respects to XXXX XXXX # XXXX on XX/XX/XXXX advising I have asked the credit bureaus to provide me with documentation of how the properly did an investigation on XX/XX/XXXX, XX/XX/XXXX & XXXX/XXXX/XXXX and how they were able to " verify '' the account. 

I am being told they verified the information but how? I have not received anything from the bureaus or the finisher so how is this possible? I am a real person and I am being ignored. I have asked several times as I have the right to have proof of the investigation. According to the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 

The credit buraus are stating my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, and the date last activity is inaccurate. I have attached another copy of the report to show this is still inaccurate as of XX/XX/XXXX. This is grounds for removal. They also have violated my rights under : 15 USC 1681 Section 602A : States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. The attached credit reports from month to month shows the inaccuracies AS PROOF and must be delete from my report. 

I have provided the letters and I am being ignored. I plan to seek legal counsel if this is not removed as the bureaus are in clear violation of my consumer rights.
Consumer complaint received 2021-06-12
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)

XXXX is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to Experian, XXXX, and XXXX and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.
Consumer complaint received 2018-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX, I was the victim of identity theft. The thief or thieves successfully opened a Visa  credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX in XX/XX/XXXX.

Working with XXXX XXXX   Fraud Risk Control Division, I was successful in establishing that this was a fraudulent account, and was notified by XXXX XXXX, XXXX XXXX Fraud Risk Control Division, that this account was not mine and the three credit bureaus were so notified. I thought that resolved the issue with XXXX XXXX.

However, on XX/XX/XXXX, XXXX XXXX once again made a inquiry of my credit with Transunion and XXXX  credit bureaus.

I sent a certified letter of inquiry to XXXX XXXX on XX/XX/XXXX ( attachment ) which was receipted for on XX/XX/XXXX by XXXX XXXX. The letter requested XXXX XXXX   explain the nature and purpose of this credit bureau 's inquiry of my account.

To date, I have not received any response from XXXX XXXX XXXX  on my request.
Consumer complaint received 2022-10-07
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. (CA)

On XX/XX/2022 I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there a number of inaacuracies on my consumer report that still remain. 
They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Consumer complaint received 2021-06-12
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. (TX)

XXXX is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to XXXX, XXXX, and Transunion and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.
Consumer complaint received 2022-02-22
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. (TN)

Having sent TransUnion a certified and notarized letter informing them that they are in violation of the FCRA owing to the fact that they have been reporting incorrect information on my credit report, they have failed to investigate this matter. 

The following inquiries are showing on my credit report that needs to be removed because at no point whatsoever did I authorize these inquires : XXXX - XX/XX/21 ( showing XXXX entries ) XXXX XXXX  - XX/XX/21 XXXX - XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XXXX XXXX XX/XX/21 XXXX/XXXX  XXXX XXXX XX/XX/21 The companies can not verify these inquires, how then did TransUnion verify them to be accurate? I did NOT authorize my credit to be ran for a permissible purpose. Delete to avoid continued violations of the FCRA. 

I look forward for an amicable resolution into this matter.
Consumer complaint received 2019-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (OH)

Around XX/XX/2019, I applied for a loan and was approved for XXXX. I then called, as the email that I received advised me to do, to speak with a representative to ask questions about the loan. He reassured me that I could pay the loan off early or making a large payment before the first initial payment is due would help with the minimum payment amount going forward. I accepted the loan. I then gave XXXX another call ( another name they are known as is XXXX XXXX ) on XX/XX/2019 due to the payment being due on the XXXX to see how much I would have to have paid on the due date ( XXXX ) and to discuss options with paying them back. I set up a XXXX dollar payment to come out on the due date. the rep advised me by the end of the call that it would be beneficial to pay the loan off by the due date. I said ok, let me see what I can do. I advised the rep to leave the payment set up on the account. I then called back on the XXXX to make the payment in full ( the remaining balance which is due on the XXXX!! ) and was told by the representative to wait until tomorrow ( which would be the XXXX ) to make the remaining payment. I call on the XXXX and they are now telling me that I have to make a payment in the amount of XXXX dollars!!! I explained to them what was due on the due date and they tried to explain to me that the payment that was made was a payment towards the principal. I escalated the problem to a supervisor! She called me the next day and tried to explain to me that they could offer me a deal to pay the balance in full with a payment of XXXX dollars!!!! This is terrible. I wanted to pay my loan in FULL on the actual date when it was due and Im being charged an additional XXXX dollars to do so!!!! Had I been told that any payment made on the account would only count as a payment and not to help me pay my balance in full I would of simply waited!!! That makes no sense! Im disappointed that this is happening. I hope people choose not to work with this company at ALL!!!
Consumer complaint received 2021-06-11
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Key 2 Recovery, Inc. (NE)

There is no valid option available for my complaint, but I was directed to cfpb from the ftc website on this issue. When communicating with Key 2 Recovery, Inc, they directed me to their website XXXX which accepts customer information without use of https, TLS, or any other form of transport encryption which violates PCI DSS requirements. When I attempted to notify the merchant directly, the representatives were rude, refused to field my question, and did not escalate my call to a manager.
Consumer complaint received 2022-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX, Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies Denefits # XXXX  # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. 

I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (TX)

On XX/XX/2021 I requested debt validation for an " alleged debt '' from ACIMA CREDIT. I allowed 30 days for the company to respond and received NO documentation. ACIMA CREDIT violated 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this deceptive information on my credit reports. I have sent the debt collector a Cease and desist and have demanded they remove this invalidated information from my credit reports and their systems.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I previously dispute inaccurate and incomplete bankruptcy entry on my credit report, Experian refuse to correct inaccuracies in my report regarding Bankruptcy entry. It is a direct violation of FCRA for the Experian to not disclose the furnisher of information. The entry of I Attached the letter from the Bankruptcy court that explicitly details that they do not furnish any information to credit bureaus. I Experian must delete the bankruptcy for violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). Under FCRA I Have right to maximum accuracy as the law states : " reasonable procedures to assure maximum possible accuracy '' but Experian does feel that they are above the law. So instead of deleting the entry, Experian double down on not deleting. I want this bankruptcy deleted from my credit report because Experian violate the law. 
Experian is also reporting the Bankruptcy court as the furnisher of information which is false because the court does not furnish the information. Experian must delete this information for willful violation of FCRA.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

XXXX XXXX XXXX XXXX from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX  XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX  XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX  XXXX - same fraud mortgages on my name.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a Bank of America Travel rewards card around XX/XX/18, and earned XXXX rewards worth about {$630.00} On XX/XX/XXXX I got a letter that my account was shutdown, by their credit department.

I called to try to use my rewards and I was informed that they were lost.

I am filing a complaint because I want my rewards that are rightfully mine
Consumer complaint received 2021-06-11
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. (CA)

Equifax continues to report inquiries that i did not consent to, authorize, nor benefit from. According to the FCRA 1681 ( B ) ( 2 ) nothing on the consumer report shall be furnished without the written consent of the consumer.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

In XX/XX/2013 I closed my account with XXXX and returned the phone I had leased through them. I was told that there would be no further billings from them. Recently while applying for a home loan I discovered there was a {$2000.00} collection taken out against me and have been unable to contact a representative who was able to explain where this debt came from. I have also tried to dispute this account now held by Jefferson Capital with the credit bureaus. I do not believe this is a justifiable debt.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MO)

I had paid off XXXX XXXX 4.5 ish years ago and there are two different reports on all of my credit reports. One report says current and the other says derogatory. XXXX XXXX was supposed to take off the derogatory mark and never did they promised me. 

It has also happened with Ann Taylor and XXXX both paid off and still have the derogatory reports listed
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors Wells Fargo on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. Wells Fargo is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting Wells Fargo then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IN)

After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX  status of XXXX XXXX and my XXXX XXXX of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX  status from military service related XXXX and XXXX  related issues.
Consumer complaint received 2019-10-05
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-10-07
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. (RI)

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 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 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2019-06-12
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: AES/PHEAA (TX)

On XX/XX/2019 a letter was sent to fed loan in regards to a consolidated loan/deferrment that was approved but does not reflect on credit reporting. Account shows current however in credit reporting shows 90 days late
Consumer complaint received 2018-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter and tried calling about getting these inquiries off my report that i did not authorize and i get the same response " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' but when i contact the creditor they tell me to contact transunion i just want these inquiries removed According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. 

the inquiries i dont recognize are below along with the dates i would like them removed XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX