davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc (TX)

On XX/XX/18, I filed a complaint with Consumer Finance Protection Bureau ; XXXX ( complaint number ), regarding " Ad Astra Recovery Service '', falsifying information on my credit report that they never " Validated '' as belonging to me. In their response to the Consumer Finance Protection Bureau, on XX/XX/18 ; Ad Astra Recovery Service, stated they requested to the bureaus to delete from my credit report. They  never deleted this account from my XXXX credit report. This continue to be a " Fraudulent '' company. I have attached the XXXX  report showing they are telling XXXX to keep this false information on my credit report illegally, according to the " Fair Debt Collections Practices Act ''. I am requesting to have this information forwarded to " the Attorney General 's Office, and to forward to Federal Trade Commission immediately.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Ms. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Experian again went silent.
Consumer complaint received 2017-07-03
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)

Letters regarding inquiries found on my credit were submitted  XXXX  to  XXXX , and Equifax.  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from Equifax nor an update. A second letter was sent on  XXXX .
Consumer complaint received 2023-03-21
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My savings account and two checking accounts were hacked and I have three fraud claims with the Bank of America. First savings account claim # XXXX. My original checking account that I had for 35 years claim # XXXX. Then I was given new checking account which was then hacked and I filed a third fraud claim # XXXX. The claims were denied and the said I gave someone my password/or ID. I did not give any one this info. I did not have access to any funds for 3 weeks because all accounts were closed including credit cards that requested them to replace. My home was broken in in XX/XX/XXXX and my phone and I were hacked. They have no right to this money as I did not do anything to compromise my accounts. Finally my late husband worked for the bank and I get a widows benefit pension check every month. I am such a good customer status that all the checks and/XX/XX/XXXX ones were paid and that is the money they denied me. I am a widow with limited monthly income.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

I was called once by the company. Told them I have no knowledge of this account and have never had service from the company. That same day the filed a collection account to XXXX credit bureau. I disputed it and it was removed the same day. He has called over 4 times that day when I answer they never talk and then hang up ...? Then the next day my XXXX credit report says I have two collection accounts from the same company.this is being disputed now along with the XXXX. Now they are still calling 5 plus times a day but when I answer they just hang up. Also in Florida if I am disputing they are not aloud to call.
Consumer complaint received 2017-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following Credit Card A/C is missing in my TransUnion Credit Report. A/C Type : Credit Card A/C Number : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This A/C was there in my TransUnion Credit Report for last several years. Suddenly this A/C has disappeared from my TransUnion Credit Report. <P/>This A/C is still open. Even if I close an A/C that just can not disappear from my Credit Report. <P/>XX/XX/17 - I contacted TransUnion Within 1 week I received a letter from TransUnion. They provided me a copy of my Credit Report ( which I did not want ) but did not address my problem / issue at all.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AK)

This a continuation of my response to Wells Fargo 's response dated XX/XX/2017. The actual federal laws that were grossly neglected to be followed are the following, XXXX These laws make for an interesting read. Every bank officer I have spoke with outside of Wells Fargo has acknowledged these regs. and follows them to the letter. After considering the above mentioned one question keep burning threw my mind ... Why has Wells Fargo continued to deny these laws exist. 
Or why the branch manager told me that these laws do not apply to me.. The CFPB will, I am sure read these regulations and understand that they DO apply to everyone in the banking community Respectfully XXXX
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MD)

After several disputes and sending in ftc forms and explaining i am a victim of identity theft i am now sending in a validation of debt and demanding deletion of account
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2017-07-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am constantly getting collection calls from Portfolio Recovery. I have never dealt with this company. I got an automated call on X/XX/17 and two on X/XX/17 as well as numerous previous calls. I have told them I am on the Do Not Call List and to stop calling me but they are continuing to do so. I am a XXXX senior and this is harrassment.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2019-05-10
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. (NJ)

I have a XXXX XXXX XXXX revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted XXXX XXXX XXXXXXXX on XX/XX/2019 and they couldn't help me.
Consumer complaint received 2017-07-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (CA)

I refinanced my mortgage and paid off the PNC Equity line in full 3 months ago. I wanted to make sure it was closed out so I logged on and realized I actually had a credit in the amount of {$850.00}. PNC did not disclose this & when I brought it to their attention a month later, they promised my refund check would be on its way. I think that is poor business practice that I had to notify them about the money they owe me but I have now called 5 times, had the exact same conversation with PNC. We go over the address, etc. PNC keeps promising I will receive a check within 5 business days. I do n't know what else to do. If I owed them the money, I would have to pay interest, etc. Loan number : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent in prior disputes with Transunion, XXXX, and XXXX. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Consumer complaint received 2017-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAD A NEGATIVE IRS REPORT ON THE 3 CREDIT BUREAU. I ALREADY MAKE AN AGREEMENT WITH THE IRS WHERE MY DEBT IS NOT COLLECTIBLE. THEREFORE I CONTACTED THE 3 BUREAU OF CREDIT REQUESTING THAT PLEASE REMOVED THIS COLLECTION REPORT FROM MY CREDIT. XXXX AND XXXX REMOVED THE REPORT BUT TRANSUNION DID NOT WANT TO REMOVE IT AND THAT CONTINUO AFFECT MY CREDIT REPORT
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting Equifax ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX XXXX & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX 30 day late ( XX/XX/XXXX ) XXXX XXXX 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.
Consumer complaint received 2023-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I made the settlement payment to this company in return to have all information removed off my credit regarding this debt from the reporting agencies. This company has not kept their promise and had failed to delete any and all information from my consumer report, I have disputed this matter.
Consumer complaint received 2022-07-10
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. (NJ)

In accordance with the Fair Credit Reporting act the reporting of the following accounts have violated my rights : XXXX XXXX card services. Date opened XX/XX/XXXX Account # XXXX. 

XXXX XXXX dealer services account # XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX card services account # XXXX. 

XXXX XXXX XXXX account XXXX XXXX. 

XXXX account # XXXX. 

XXXX XXXX account # XXXX XXXX XXXX XXXX Credit management Account # XXXX XXXX XXXX XXXX. Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have new and updated information regarding complaint XXXX. Pursuant to 15 USC 1681i, Transunion has 30 days to complete an investigation however, it's reinvestigation was not completed pursuant to federal procedure therefore, it is incomplete. Pursuant to disclosure attached on the correspondence Transunion mailed me on XX/XX/22 and 15 USC 1681i, I am again requesting a description of the reinvestigation procedure. My Transunion file number is XXXX. I have previously disputed alleged accounts for XXXX and Department of Education however, Transunion never completed the investigations. In Transunion previous responses to the CFPB, it said that XXXX needed more information from me which is false. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, XXXX nor the Department of Education can not verify that any information on my consumer report is factual information. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-10
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. (NJ)

In accordance with the Fair Credit Reporting act the reporting of the following accounts have violated my rights : XXXX XXXX card services. Date opened XX/XX/XXXX Account # XXXX. 

XXXX XXXX dealer services account # XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX card services account # XXXX. 

XXXX XXXX XXXX account XXXX XXXX. 

XXXX account # XXXX. 

XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX. Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

In XXXX I had a credit card from Discover and in XXXX attempted to make a payment over the phone to a representative and gave him my account number and he confirm the payment. I was under the impression that my payment went through as the representative said that it went through. A couple weeks later I got an email from Discover stating that my payment was not able to be found with the account number. And because of that as you can see on my credit report that my payment was 60 days late. I attempted to make a payment as Discover told me that I called and spoke to a rep on XX/XX/XXXX which is about two weeks before the closing cycle. I made the attempt to make the payment and gave the accurate information to the representative and it is not fair that as a borrower I am paying the consequences of a late payment which I tried to make. I am not accusing the representative over the phone of putting a wrong Account number in but Im saying that Errors do happened in these types of Computer related transactions. I tried to dispute this in XXXX but I had no success as I dont believe that experience really went into debt to really understand what exactly happened on that day because after going into much detail today after calling I found out new information that the account number that I used to pay my bill was ending in the last XXXX digits of XXXX. This is kind of ironic because my account number ends the last XXXX in XXXX. I know that there was a mistake made and I have not changed my account number since and with this new information I strongly can confirm that a typo was made or a system had a glitch. You can see as clear as day that I attempted to make a payment and that is on their call log. Unfortunately they are not able to pull the call from the representative or from the manager at the current moment because the first rep the call can not be found and the second call with the manager he know is no longer with the company and it is not able to be pulled by a general consumer. This small late payment on my credit has really made life hard for me. And dont think its fair that I am paying the price an error on discover. I am even more disappointed that XXXX decided to open an investigation and not dig a bit deeper into the actual situation to confirm what actually happened. Because if they did actually look into it and pull the calls which most likely were not done due to the fact that theyre not available to the general public. Then it would be very apparent that I made an attempt to make the payment and I did give the correct information over the phone and the only reason that it was late was because there was an error in the payment that was made.
Consumer complaint received 2021-05-10
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. (DE)

I sent certified letters to the three bureaus and they have neither responded nor verified the items from my report. Here are the items : XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX.