davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
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. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2022-12-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act Convergent Accounts # s below have violated my rights 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 a account without my written instructions : I would like all accounts DELETED FROM MY CREDIT REPORTING AGENCY THESE HAVE NOW DAMAGED MY CREDIT 3 TIME I HAVE REQUESTED XXXX XXXX XXXX XXXXXXXX {$450.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Remarks CLOSED BY CREDIT GRANTOR ; UNPAID BALANCE CHARGED OFF XXXXXXXX XXXX XXXX  XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$3400.00} Credit Limit {$3200.00} Past Due {$2000.00} Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks CLOSED BY XXXX XXXX ; UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX {$2500.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Payment Received {$100.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I informed the Credit bureau XXXX, XXXX, Experian that i hade inaccurate and misleading/Fraudulent personal addresses and accounts on my credit report that they being falsely reported They did there investigations and removed all the inaccurate information being report well a month or so later XXXX and Experian decided to put in fraudulent information back on my credit report! I reached back out with a dispute letter telling them there wrongs of re-reporting the inaccurate/fraudulent items and they still havent gave me any response and its been well over 30 to going on 60 days with no re-investgation results. Ive been very patient with these compqnys have rwached out to over a 100 different companys trying to get them to validate these inaccuracies of my credit report still nothing please help me thank you~XXXX XXXX
Consumer complaint received 2022-02-20
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. (GA)

Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Equifax made. And Im sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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: EQUIFAX, INC. (GA)

Equifax CFPB Complaint Equifax has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Equifax any written instructions to do so. Equifax has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act the below creditors/ collection violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement 15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-18
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. (MD)

XXXX, trans Union, XXXX, is not authorized to have any of my personal information According to ( .15 USC 1681b permissible purpose of credit report ) The credit reporting agencies were Never given the role to furnish credit reports they assumed the role.According to the fair credit reporting act and I demand that all of my personal information be removed from all three Major consumer reporting agencies to wish this is affecting me financially mentally and physically.I never consent nor Authorizing these credit reporting agencies the right to expose my personal information. I feel totally violated under the ( FCRA ).
Consumer complaint received 2022-02-19
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 — Problem with personal statement of dispute
Company: Grain Technology, Inc. (FL)

I OPENED A GRAIN CREDIT ACCOUNT BACK IN XXXX OF XXXX AND HAD VERY GOOD CONSISTENT PAYMENT HISTORY UP UNTIL XXXX AND  XXXX XXXX  XXXX ( NOT MY FAULT AT ALL ) THE COMPANIES SYSTEM ( XXXX  ) ALWAYSHAS PROBLEMS WITH DISCONNECTING CUSTOMERS BANK ACCOUNTS, SO UNBEKNOWST TO ME MY ACCOUNT HAD BEEN DISCONNECTED ATLEAST 3 TIMES IN WHICH I WOULD ALWAYS TRY TO CONNECT THE ACCOUNT AND HAVE EVEN GONE AS FAR AS TRYING TO CALL THE COMPANIES CUSTOMER SERVICE LINE, NO ONE EVER ANSWERS THE PHONE ( ( XXXX ) XXXX ) SO I TRIED EMAILING THE COMAPANY AND WAS FINALLY ABLE TO SPEAK WITH A LADY NAMED XXXX ( HER EMAIL IS : XXXXXXXX XXXX XXXX ) I SPOKE WITH HER ON XX/XX/XXXX AND STATED MY CASE AND AFTER OUR COMMUNICATION SHE STATED THAT SHE WOULD RECTIFY MY ACCOUNT BY CREDITING THE ACCOUNT BECAUSE I LET HER KNOW THAT THE LATE PAYMENTS WERE NOT MY FAULT! WELL TO THIS DAY THE LATE PAYMENTS ARE STILL REPORTING ON MY CREDIT IN WHICH OUTSIDE OF THIS CASE I HAVE A PERFECT PAYMENT HISTORY AND NO COLLECTIONS, I HAVE DISPUTED THIS ACCOUNT ON NUMEROUS OCCASIONS AND GRAIN WILL NOT RESPOND TO ANY OF MY DISPUTES NOR HAVE THEY SENT ANY PHYSICAL DOCUMENTS VIA THE MAIL. I AM VERY DISSAPOINTED AND IM SURE THIS IS A VIOLATION OF MY RIGHTS. PLEASE HELP FIX THIS ISSUE IVE SENT DISPUTES TO ALL 3 MAJOR CREDIT REPORTING AGENCIES AND TO GRAIN ON NUMEROUS OCCASIONS IN WHICH I ATTACHED DOCUMENTS BELOW AND HAVE YET TO RECEIVE ANY FORM OF COMMUNICATION WHATSOEVER!!!!
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

I originally went to the emergency room for a medical issue. I spoke to the admissions nurse and decided to go to my regular doctor for treatment however the emergency room charged me for treatment that was never administered. They can not verify the condition I had, the doctor who supposedly treated me nor the prognosis for the future, therefore it is impossible that they treated me as they claim or they would know these details because they would be in my patient records.
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: Experian Information Solutions Inc. (WI)

In accordance with The Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2021-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

on XX/XX/2021, i sent Smith , Rouchon & Associates, Inc a letter about a alleged debt of XXXX that i do not owe. i sent the letter usps certified w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$460.00}. and i haven't heard anything from them thus far. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, Smith , Rouchon & Associates , Inc has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Consumer complaint received 2021-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (LA)

I am having a problem with Coinbase and Coinbase XXXX, My account has has restricted acces for over 6 months. I can not move crypto currency around and despite numerous attempt to resolve thru customer support all I get is canned email replies with no details on what the issue is. They have no way of ta ; king to a live agent and for a public compant this is simply unexcusable! If I had to rate this company It would be " 0 '' based solely on their complet lack of customer support.
Consumer complaint received 2022-01-30
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. (AL)

The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LOBEL FINANCIAL CORPORATION (CA)

I bought a car from Lobel Financial account # XXXX. The company began reporting on my credit file to a three creditors, on XX/XX/XXXX. My last payment on this vehicle to Lobel Financial was on XX/XX/XXXX. I disputed on XXXX, the payment history and request for corrections to be made. Instead of correction like requested, account was removed from my credit file with all three credit reporting agencies. I contacted the company Legal department many times by email, phone and fax. And I was told, the company would replace the information to my credit file. But, it's still hasn't showing up on any of my credit reports. I believe the company can careless about correcting the information on my credit file and replacing it, due to the vehicle already purchased.
Consumer complaint received 2022-01-30
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: SYNCHRONY FINANCIAL (NV)

By XXXX XXXX I called Syncrony Bank about fraudulent inquiries that XXXX is refusing to remove from my credit report. I have 3 valid accounts with Syncrony Bank PayPal Credit, American Eagle Credit Card and Old Navy Credit Card, those accounts were open by me and arent related to the inquiries that I am disputing. The agent from Syncrony Bank account protection informed me that inquiries will be removed from all credit bureaus within 30 days but those inquiries still showing in my credit reports. 
Inquiries that needs to be removed : SYNCB/VERIZON ( Bank ) - XX/XX/XXXX SYNCB/SAM - XX/XX/XXXX SYNCHRONY BANK ( Bank ) - XX/XX/XXXX SYNCB/AMAZON ( Bank ) - XX/XX/XXXX SYNCB/SAM & # XXXX ; XXXX XXXX  - XX/XX/XXXX SYNCB/PAYPAL ( Bank ) - XX/XX/XXXX SYNCB/AMAZON ( Bank ) - XX/XX/XXXX SYNCB/AMERICAN EAGLE - XXXX XXXX, XXXX SYNCB/VERIZON ( Bank ) - XX/XX/XXXX SYNCHRONY FINANCIAL - XX/XX/XXXX SYNCB - XX/XX/XXXX SYNCB/TJX CO DUAL CARD - XX/XX/XXXX SYNCB/PAYPAL- XX/XX/XXXX. XXXX
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

I have submitted several disputes and even reached out to the CEO of XXXX XXXX XXXX regarding 2 accounts listed on my credit report. I was a victim of identity theft, filed a ftc identity theft report and faxed it to XXXX only ro be told the ftc report is invalid. XXXX refuses to tell me how the ftc report is invalid and refuses to remive the 2 accounts. I have sought legal help but also need these accounts remived because they are ruining my life and credit file. XXXX also are reporting the incorrect court for these accounts.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

On XX/XX/2022 I wrote to Equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that Equifax reply within a reasonable amount of time. 

Since this is my second request, I am notifying you that I have signed receipts for letters sent to Equifax and Equifax have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 
( Concerning account XXXX XXXX XXXXXXXX ( XXXX XXXX  ) and XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX  ) XXXX XXXX XXXX XXXX I also understand that Equifax is required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. Because they have not done so please have them remove these items immediately.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In Response to Complaint # XXXX. TRANSUNION IS straight lying and committing fraud. THEY ARE NOT DOING ANY REINVESTIGATING. SO WHO, I ASK WHO? IS VERIFYING THIS PUBLIC RECORD AS ACCURATE? WHOEVER THAT COMPANY IS NEEDS TO BE LISTED ON MY CONSUMER REPORT. I ATTACHED DOCUMENTATION THAT TRANSUNION OBVIOUSLY IS NOT READING BECAUSE YOU WILL SEE THAT THE ONLY ENTITIES LISTED ON MY CREDIT REPORT IN THE PUBLIC RECORDS SECTION SUBMITTED DOCUMENTS STATING THAT THE INFORMATION IS UNVERIFIABLE AND AND WAS DELETED OUT OF THEIR SYSTEMS. SO IF THIS RECORD IS BEING VERIFIED AS ACCURATE WHO IS DURING THE VERIFYING BECAUSE IT IS NOT ANY OF THE FURNISHERS LISTED ON MY CONSUMER REPORT. " After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Trans Unions business partner XXXX  to TRANS UNION as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX  XXXX Bankruptcy # XXXX filing. 
I declared and stated to Trans Union there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to TRANS UNION by their business partner XXXX  who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Trans Union or their partner XXXX  obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it.

Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Trans Unions Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLATION OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 ) ''
Consumer complaint received 2022-10-07
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. (VA)

XXXX, XXXX and equifax are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.