davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting. 
XXXX {$500.00}
Consumer complaint received 2021-11-18
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. (PA)

Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are XXXX days apart.
Consumer complaint received 2021-07-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX survivor that has been taken advantage of in the past couple years I'm finding. Someone has falsely filed unemployment in my name and now I'm also finding that I have a bankruptcy on my credit report that I never filed and closed unsecured debt that I never authorized or opened. I have tried to settle this with the creditor but I'm not getting anywhere. I'm not sure what else today to have this inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (IL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXXM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, BELOW IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
Account name XXXX XXXX XXXX, Account # XXXX. Account name : XXXX, Account # XXXX Account name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX Account name : XXXX, Account # XXXX. Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX Address XXXX XXXX XXXX, XXXX XXXX IL XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$10000.00} XXXX XXXX {$9200.00} XXXX XXXX {$4800.00} XXXX XXXX {$0.00} XXXX {$10000.00}
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western-Shamrock Corporation (TX)

VIA XXXX XXXX XXXX 1. After monitoring my credit, the name of XXXX XXXX  with attached Account # XXXX appeared on my credit profile. 
2. On XX/XX/XXXX, through XXXX XXXX XXXX ( Exhibit 1 ) requesting the inaccuracies of reporting and requested documentation for validation. 
3. No validation of requested information for XX/XX/XXXX 4. Another request submitted through XXXX XXXX XXXX XX/XX/XXXX ( Exhibit 1 ) requesting documentation of data reported on my credit report. 
5. No validation/verification of requested information for XX/XX/XXXX. 
6. Mail certified Letter on XX/XX/XXXX ( Exhibit 2 ) requesting validation according to my rights as a consumer 7. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) verified deliverable with signature ( Exhibit 3 ) 8. On XX/XX/XXXX, mail letter regular mail requesting validation of signature ( Exhibit 4 ) 9. Received no other response or documents verifying. 
10. On XX/XX/XXXX after dispute with XXXX XXXX XXXX  responded with ( Exhibit 5 ) XXXX XXXX has responded stating receiving letter concerning ACCT XXXX ; then states not enough information to locate record 11. Reporting on my credit profile starting XX/XX/XXXX through present to date as of XX/XX/XXXX ( Exhibit 6XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do not feel comfortable giving my Social Security Number. 
12. This is unacceptable to be treat as such and unfairly as a consumer and my rights to request verification with original contract. I have been communicating with above XXXX XXXX  for well over XXXX ( XXXX ) years. It has been well past the timeframe of and the XXXX, XXXX, XXXX  days allotted to submit requested information has expired and this account must be remove/deleted from my credit profile along with discrepancies.
Consumer complaint received 2017-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXXXXXX XXXX RAN ALL MY CREDIT REPORTS XXXX IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY
Consumer complaint received 2022-10-11
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. (GA)

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX  XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. 

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (NV)

I requested and was sent two Netspend Debit cards that did, and, or do have {$1000.00} and {$12000.00} dollars in them repectively. These cards I did activate by telephone, at the Netspend numbers given on the envelope, insert that I got with the cards, and also the number on the cards. The numbers were : XXXX, XXXX and also XXXX. These cards I have been trying to use here in XXXX County, Nevada. I have got several different ATM and tranaction highlight LCP statemnts back ; including Restricted Card, Ineligible Account, No Funds In Account, and salso Incorrect PIN. I know theese print LPC statements to be false, and some times, and most often at all a receipt looking LPC statent is prined just like a receipt woulld be printed for the would be purchacen except that it says DECLINED in bold letters at the bottom or some where near there. The guys from XXXX XXXX XXXX XXXX used to be proliferant at this, and they did it all the time years ago. I suspect that it is them once again. Other dlinined prints and statemnts simply seem to come sometime from a private oerator with a declinator remote. I idnetified his name once as XXXX XXXX near the XXXX XXXX XXXX XXXX restaurant in XXXX, Nevada near the XXXX XXXX XXXX Sore. Please help correct this.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (TX)

I am worried about fraudulent activity as I gave away personal information. I made an account with Experian to freeze my credit reporting and I am unable to log in. I have reset my password so many times ( more than 10 ), but when I enter my new password, I am unable to login. 

I just want to make sure that my credit is actually frozen and that they have the right email because I have not received the confirmation email I was told I would receive. 

I am afraid that they have a fraudulent email and they can undo my freeze with the pin they received. 

I tried for a whole hour to get in touch with a human and I am unable to speak with anybody. 

My credit is at risk because no one will answer.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Hello, I notified Santander Bank on XX/XX/21 regarding XXXX XXXX atm withdrawals made on debit card whicht totaled {$2500.00}. I filed a fraudulent claim with the bank as well as filed a police report regarding these fraudulent atm withdrawals. I received a letter from Santander dated XX/XX/21 which stated that my claim was denied due to no error by the individual who used my pin. I vehemently protested this as I let them know I would never share my pin for the debit card intentionally to anyone. I re-filed my claim on XX/XX/21 wwhich was also denied per the conversation with a santander claim 's representative on XX/XX/21. I have re-filed once more with Santander on XX/XX/21 who have notified me that this will be last attempt with this claim.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (AR)

LexingtonLaw has been assisting me in removing items from my credit report. Who has been charging me {$120.00} each and every month. These items that they made a commitment and promised to me. That these items would be removed from my credit report. And credit score would increase. I personal has been doing all the work. By becoming a member of the three credit agencies XXXX, XXXX and XXXX. By disputing these negatives on my credit report. Providing them with supporting documents.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

The applicable loan is collateralized by multiple properties. Paragraph 18 states the process for releasing a single property. On multiple occasions over the past month I have requested a payoff statement for the release of one property, specifically, XXXX XXXX XXXX. Representatives of the lender first said that it could not be released, which is clearly incorrect. Next they said that it could be released but send a letter setting requirements or release that are not in accordance with my promissory note. On or about XX/XX/2021, I spoke with a supervisor who, after actually reading the promissory note, told me to ignore the letter and explained that he would expedite it for a correct payoff quote on only the parcel to be released rather than the full loan payoff. On XX/XX/2021, I called back to follow-up. I was connected with another supervisor who said that the first person escalated the matter to the wrong department and so no action had been taken on the request. This new supervisor explained that he was escalating it to the correct department. Unfortunately, I have not way to confirm whether it was done correctly this time or not since each representative or supervisor that I speak with seems to provide a different answer. I need this matter resolved by someone who can review and understand the terms of the note and can provide a payoff to give me the exact calculation of the amount in paragraph 18 ( f ) of the promissory note that is good for at least 30 days. 

I have attached the applicable pages on the note to this complaint. I am happy to provide the whole note, however, the file was too large to upload on this complaint portal.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX is reporting late payments on my credit bureau when I was under federal bankruptcy protection. Even according to their own attached letter, I was under federal bankruptcy protection, and when I got out of federal that bankruptcy protection on XX/XX/XXXX, I immediately sold the residence which actually was sold prior to XX/XX/XXXX but it takes a little while for the house to close and therefore I should not have a late payment on my account.
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC (GA)

On XX/XX/XXXX, XXXX XXXX reported a collection of {$110.00} & {$410.00}, and XXXX XXXX reported {$120.00} to the credit bureaus from XXXX and XXXX. I reached out to XXXX, who also handled the billing for XXXX at that time, and confirmed they had been receiving returned mail as undeliverable ( from a wrong address ). I asked them to confirm the address they had on file and found out they had the wrong address which means, I never received any letters, nor did I receive any calls about this debt. I asked them how can they report something to my credit file when I never received any communications to try and resolve the debt. As of today, I have paid the debt and asked that the collections be removed from my credit file, considering they never tried to locate a good address to send me communications. 

I am asking that all adverse reporting be removed from my credit file immediately.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

Rented an apartment. Father was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (GA)

THIS WILL BE THE SECOND COMPLAINT ABOUT XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (SC)

This complaint is about First National Bank of Pennsylvania. My elderly Mother has had her checking account scammed two times within 6 months. The first time was for the amount of {$380.00}. It was an ACH withdrawal from a company called XXXX XXXX. I called the bank the same day and made them aware of a possible scam. Sure enough in a day or so the bank paid the unauthorized draft after I had asked them to close her account because she was likely going to be scammed. The bank filed a dispute claim but it was never resolved. ( I am on her account so I can speak for her ). I called the fraud department several times but received no resolution. The second ACH withdrawal just took place XX/XX/2018. Once again she has been scammed out of {$380.00}. This time the companys name was XXXX. The check number was XXXX. The company listed a phone number on the ACH withdrawal that was XXXX. I again called the bank and explained what happened and was told they would file a dispute claim. I am confident that First National Bank will do nothing just like they did the first time. I would also like to add that my Mother has not received any products from either withdrawal.