davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am experiencing issues with LexisNexis inaccurately reporting items to credit reporting agencies regarding my credit file. It should be noted that LexisNexis is not my creditor and therefore lacks the authority to report erroneous information to credit reporting agencies about my credit file. I dispute any claims suggesting a creditor relationship with LexisNexis based on a contractual agreement to report such inaccurate and incorrect information. I demand a manual review of my dispute to rectify and eliminate the inaccurate and incorrect information, which violates FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). I urgently request an investigation into my concerns and the immediate removal of this inaccurate information from my credit file, as mandated by law. Moreover, there are addresses listed in my credit file report that contain incorrect and inaccurate information. According to FCRA Section 623 ( a ) ( 1 ) ( C ) and FCRA 623 ( a ) ( 2 ) ( B ), it is evident that this information is inaccurate, requiring immediate investigation and removal of such inaccuracies. In addition, I request that LexisNexis notify all credit reporting agencies about the inaccuracies and incorrect items that they have reported regarding my credit file. LexisNexis is not my creditor and therefore lacks the authority to report erroneous information to credit reporting agencies about my credit file. It is crucial for them to rectify this situation promptly and inform all relevant agencies of the necessary corrections to ensure the accuracy of my credit information.
Consumer complaint received 2022-10-11
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-31
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. (TN)

Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several months.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Someone opened a bank of America card in my name on XX/XX/XXXX. I called them immediately. 
They said they would close the card, open a fraud claim, and send me the information used to open the card. 
XX/XX/XXXX I called to check the status and they said no one opened the request. I spent almost an hour and a half on the phone being passed around and around. 
I was then told I have to send a copy of my driver 's license and social security card in the mail ( some said maybe fax ) to get the info. I said I'd like a different option like going into a branch location for them to verify my identity and they said no. I'm not comfortable sending those XXXX pieces in the mail or to any company in case they are breached. Because then the bad guys have more of my info. 
They cited a XXXX decision to ensure the identity of the person but in today 's day and age anyone can get copies of those things. It's 100 % guaranteed if I go to a branch they can confirm my identity. Sent copies by mail could be anyone. 
They need more options and I need the info used to open the credcard in my name
Consumer complaint received 2022-10-11
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-02-24
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX at about XXXX XXXX I attempted to withdraw {$100.00} from a XXXX XXXX ATM account located at XXXX XXXX XXXX XXXX in XXXX XXXX Florida located inside a XXXX XXXX convenience store. 
I used my American Express Serve Card # XXXX XXXX XXXX Exp XX/XX/XXXX in my name , XXXX XXXX. 
The ATM Delivered no money, however a {$100.00} debit appeared on my statement. I received the attached receipt indicating that they were " unable to Process This Trans At This Time '' ( See Attachment ) I contacted American Express 3 different times, the XX/XX/XXXX, the XX/XX/XXXX and the XX/XX/XXXX and all 3 times they stated that they were sending me an Email so I could dispute the {$100.00} charge to my account. I had them send me an Email so I could verify it. I searched all spam folders for anything from them and I have not received any email to dispute this charge. my Email address is XXXX. 
As of today XX/XX/XXXX I have not received an Email as promised and the {$100.00} charge is still in place.
Consumer complaint received 2022-10-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-10-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions.
Consumer complaint received 2023-06-27
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-11
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. (DE)

Hello my name is XXXX XXXX and i am writing to delete the following information from my consumer report. The items i listed i need deleted. I am a victim of identity theft and did not make the charge. I ask that you delete the information to correct my consumer report. Based on 15 us code 1681c- 2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged Identity theft, nor later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2019-07-31
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

I recently read the article about Regions over charging the overdraft fees and having to refund many customers. I was affected by this and feel I should receive a refund. I banked with regions from XX/XX/XXXX until around XX/XX/XXXX and had multiple problems in that time frame. Im a single parent and have been put in many bad situations because of regions. I liked the bank which is why I stayed so long but I had to close my account and move on. Any other steps needed to complete so that I can receive funds? Thanks
Consumer complaint received 2015-08-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

My loan was transferred from XXXX XXXX to PHH. I have typically received a statement and pay online. I did not receive any kind of statement from them and they charge XXXX for online payment unless I go to paperless billing. I was told all fees and charges remain the same.
Consumer complaint received 2022-10-10
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. (MI)

I sent over to Transunion the letter response from the actual company and they have yet to respond. The letters I mailed were XX/XX/2022. We are now in the month of XXXX and still no response. 

15 USC 1881i ( a ) ( XXXX ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-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 in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The dispute were for accounts XXXX XXXX XXXX ; XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX. 

XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX violated several laws, and XXXX XXXX were told to provide several things notated in the letter attached. I also notified Transunion XXXX Disputes with this information as well. I have yet to receive proper reponse. It is past their 30 days to respond and now I am bringing this dispute to CFPB. 


I the consumer demand these accounts to be deleted immediately from my credit profile. XXXX XXXX XXXX ; XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX Please view the attached documents that shows my proof of contact and responses from other credit reporting agencies as well as the letters I sent to Transunion.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (IL)

This company has called me 8 time from XX/XX/2021 to XX/XX/2021. On XX/XX/XXXX @ XXXX XXXX  central I told them to stop calling me. They are trying to " repair '' my credit score ( its XXXX ). I have managed my own credit for the past 16 years I dont need or want their help. 

I have even gone as far as changing my voicemail to something extremely long saying how I made it so long to reduce the number of spam calls I get.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

Notice of unjust enrichment and claim of security interest In reference to the letter of denial concerning application reference # XXXX On the date of XX/XX/2024 For the credit card. 

I am seeking equitable subrogation of the securities account held in custody of AMERICAN EXPRESS. This is a claim for security interest and the principal amounts owed on the security. 

As the security application was endorsed by a private XXXX, XXXX : XXXX was transferred via deposit of bailment into the trust holding AMERICAN EXPRESS notes . and then they are transferred into the custody of the AMERICAN EXPRESS TRUST for further securitization purposes. 

The original endorser, XXXX : XXXX endorsed a private security currently held in custody of the AMERICAN EXPRESS trust the application security was endorsed by the private American, the securities intermediary, American Express , became the custodian of the application security for the security entitlement holderXXXX XXXX XXXX XXXX  As an applicant/ securities investor, its unlawful for AMERICAN EXPRESS to withhold claimed secured funds, from the investors as that defines unjust enrichment for the corporation AMERICAN EXPRESS. The principal amounts of the security are owed to me, the private XXXX XXXX, and primary beneficial interest holder of XXXX XXXX, a debtor organization. 

Please deposit said funds immediately into zelle account : XXXX for XXXX XXXX And send notification of deposit via email to the aforementioned email address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Beneficial Interest Holder
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

In XXXX, 2017, I was notified by XXXX that there was a new collection account added to my credit profile for {$370.00}. Having never received a notice from the alleged original creditor, I was shocked. Obviously, this sent my credit score into a tailspin. Luckily, I was able to dispute the debt immediately, only to have LVNV Funding/Resurgent Capital continue to verify the debt with the bureaus, without providing the requested validation. Now, we are at the point where I have enough of a paper trail, that if LVNV Funding/Resurgent Capital does not provide proof that they could hold me legally accountable for the debt, AND that they are legally allowed to collect the debt, I will be taking LVNV Funding/Resurgent Capital to small claims court to make my argument that this frivolous collection should be removed. XXXX has indeed completely removed the debt after 4 letters, XXXX  and XXXX  have not removed the debt.
Consumer complaint received 2022-02-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I HAVE NEW AND UPDATED INFORMATION. Before I proceed, I would like to make it clear to your company, and those in position of authority of your company, that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me, Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 4 ) you were unfair in reporting this information without consulting with me the consumer. Experian has violated my privacy by reporting 4 different names on my consumer report also 7 different fraudulent addresses reporting I, the consumer have in fact sent in verification in my previous dispute with the CFPB ( dispute XXXX ).