davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (PA)

Across the XXXX credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than XXXX days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an XXXX complaint and so forth as well as added fraud alerts however XXXX, and XXXX along with experian have neglected to investigate my concerns as you will see on the attached documentation breaking XXXX  rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across XXXX bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action
Consumer complaint received 2021-12-13
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. (MS)

I noticed my scored dropped. After checking my report I notice these accounts should not be on my report and need to be removed. I don't have a contract or own these accounts. 
XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXXXXXX XXXX XXXX {$670.00} XXXX XXXX, XXXX {$460.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2021-12-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc (CA)

COLLECTION COMPANY HAS VIOLATED AND BREACHED MY CONSUMER RIGHTS UNDER TCPA VIII. AND FDCPA 15 USC 1692d 806 ( HARRASSMENT OR ABUSE ) ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONCESQUENCE OF WHICH IS TO ABUSETHE HEARER OR READER. ( 5 ) CAUSING A TELEPHONE TO RING OR ENGAGING ANY PERSON IN TELEPHONE CONVERSATION REPEATEDLY OR CONTINUOUSLY WITH THE INTENT TO ANNOY, ABUSE, OR HARASSANY PERSON AT THE CALLED NUMBER.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Im in the process of trying to refinance my home. My credit report says the property is in foreclosure. I contacted XXXXXXXX XXXX XXXX, spoke to XXXX, and she can not explain why. I have attained a mortgage verification letter from XXXX XXXX, stating that Im in good standing, not delinquent and have not been late in the last 12 months.
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/2021 ;
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : .XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$500.00}
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/2021 ;
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (FL)

I was looking at my credit report and noticed there was a lot of fraud from a company that i thought was handled a long time ago when I told them they had the wrong person back in XXXX. For some reason account resolution services has hit me with 7 hard inquiries on my account with all different prices. They call countless times. I had explained to them they had the wrong person and I thought this was all done with as they understood. Today I went into my XXXX XXXX which is XX/XX/XXXX. I have no problem providing any of my personal information but this is identity theft and fraud and nothing on here was ever signed or agreed upon by me. I do not know this company or the companies there working with. I would just like this to be resolved so my credit is accurate.
Consumer complaint received 2021-12-13
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 — 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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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 : XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

My bank account closed due to negligent funds. I repaid the debt in full. The bank manager gave the authority for me to open another account with the bank. When doing so, I was still in the system, chex systems and XXXX XXXX, and my credit reports of owing XXXX XXXX XXXX XXXX the funds that i had paid off. I was denied a bank account.
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Butler and Associates, PA (KS)

On XX/XX/XXXX, I was sent a proof of garnishment order for a bill that was well outside of its legal ability to be collected on. In this letter sent was also confirmation that I was disputing the validity of the debt they are trying to collect on. 

The company who sent it was Butler and Associates , PA at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX. 

Phone number : ( XXXX ) XXXX All I know is the company name, the year it originated, and the total, but they have yet to prove that I owe this bill or show me a copy of the original bill. All I've received is a copy of their own journal entry, which is not sufficient. Also if this bill originated in XX/XX/XXXXas the information suggests, then they are well outside of the 5 years they had to collect, if I hadn't already paid it. Which I did with the first attorney listed below. 

It's original debt collector was XXXX XXXX XXXX, and it was paid through his office years ago. 

His business address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number is ( XXXX ) XXXX The debt should not have been sold to another collection agency and then garnished ( to be paid for twice! ). 

Worse yet, they took the money out of my son 's savings account for college. Yes my name is on his account, but it's not my money. It's his for college. That was a predatory move at best. 

I know that while collections are in dispute, they can not collect on it for 30 days. As of XX/XX/XXXX, the money was pulled. So over the course of a holiday weekend they did this. I'm still waiting for a proof of receipt from the original collectors office, which is expected in today 's mail, but I have not received it yet. I called Butler 's office but was required to leave a msg. I did so but have not heard back from them yet. 

The total pulled was {$1000.00} They had no right to pull these funds. I require they refund what they owe me. 

Thank you for your time.
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX TX XXXX there should be no other information listed on my consumer file. XXXX keeps stalling my complaint by requesting my identification and social security card but each time I have attached this information to the complaint. This is my final attempt to get you to remove this information.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

This bankruptcy is being verified inaccurate and fraudulent. The bankruptcy court has stated that they DID NOT report or VERIFY this bankruptcy. It was purchased through pacer and they reported on their own. This bankruptcy was paid in full and dismissed/discharged and I was told I wont have a judgement against me. Months later this started reporting from Pacer who is a 3rd party company. XXXX XXXX reported of not having my data on file so they didnt verify it or the courts. How is this being verified?? This is hindering me from moving forward in life. I paid this in full so it can be resolved and not mess my life up and its been the opposite. Ive been disputing this for the past few yrs with no action. Please have them remove this.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (TX)

I transfered money using there pay anyone transfer, I entered the phone number that i was sending the money too and it was sent to someone else. They stated there was no error because that phone number is linked to that persons CHIME account. I sent them my phone bill to show that that is my phone number with the phone number and my name showing and account number but they stated that was not an error because that phone number is linked to that CHIME member it was {$1600.00} and it was my rent money. Please help me please
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2019-08-06
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: AMERICAN EXPRESS COMPANY (MI)

XX/XX/XXXX American Express Accepted over {$12000.00} Funds in my account ( not from me ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Purchase were made on my card in the amount of {$14000.00} with those funds ( which later turned out to be from a field agent scam ). Merchandise purchased and XXXX XXXX and XXXX sent XXXX Funds Deposited turned out to be Fraudulent. American Express did not validate my identity at the time of the deposit. I would have never accepted or spent stolen money.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

None of my credit reports match. My XXXX  loans were paid in full and yet XXXX shows them as being deleted from Their files. XXXX and Equifax also do t show the loans as paid In full {$100000.00} was forgive as I am a XXXX XXXX and the reflector just shows my accounts as deletedXXXX and Equifax are showing last updates are over 2 years ago. My rent is actually only showing on credit agency. Also XXXX XXXX  removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to XXXX months of payments these are the same bil for over 3 years
Consumer complaint received 2022-07-05
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. (CA)

I sent in a dispute letter to Transunion on XX/XX/22 and as of XX/XX/22 I still have not received a response.
Consumer complaint received 2021-12-13
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. (CA)

My Experience with XXXX as a consumer my information was on their data breach my identity was stolen and shear with more than one third/parties XXXX XXXX and Experian. according to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. This affected my credit score in every way emotionally I am stress this really made my life uncomfortable which has lots of negative, and a charge-off. All this was place on my credit history report without my consent I made calls to let them know that is a Violation of the CFPB they told they don't know what am talking about I would like for all this to be deleted asap with and update information it was taking off thanks.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

For the past XXXX XXXX  I have been challenging this bankruptcy due to inaccurate verification. I was told by the courts after paying in full it wont show as a judgement because they dont report bankruptcies. Shortly after it appeared on my report. On and off for the past few yrs I have been challenging this by asking to remove because if inaccurate verification. I also sent a letter from the bankruptcy court that they dont report and a letter from XXXX XXXX that they had no information on me in their database. The last dispute was last month and Transunion responded that the information was verified accurately which isnt true. Im asking for help to get this matter resolved and it be removed from all agencies. This is stopping me from purchasing property, getting lines of credit and other things I need in life to better my self.