davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-12-16
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : Account name : DEPT OF EDXXXX # XXXX, XX/XX/2018 Account name : DEPT OF ED/XXXX  # XXXX, XX/XX/2018 Account name : DEPT OF ED/XXXX  Bankruptcy XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX In accordance with 15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The United States Bankruptcy Courts do not release information to third parties nor are they data furnishers to credit reporting agencies. The inclusion of bankruptcy information obtained by fraudulent means is a violation additionally in accordance with XXXX  39-121.03 a data aggregator who obtains public records for a commercial purposes must provide a statement setting forth the commercial purpose for which the public record will be used. It appears none of the credit reporting agencies or their aggregators filed this notice and thus failed to follow Arizona law in this matter. 

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 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 than records of convictions of crimes which antedates the report by more than 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 2022-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (CT)

Reported Amount due to alledged debt collector owed : XXXX Reported to Credit reportig agency when initially no reporting was told would go to said entities ( i.e XXXX, XXXX, XXXX ) Property Siezed total Amount : XXXX Total written off XXXX. 
Liability forced upon by constant written notifications and threats of garnishment
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (FL)

To whom it may concern ; On XX/XX/XXXX I asked Experian to verify that all information they are reporting on my credit report regarding Account # XXXX XXXX XXXX XXXX XXXX was verified and accurate. On XX/XX/XXXX Experian responded with the following : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. " After obtaining a new credit report on XX/XX/XXXX, I noticed the Balance updated date was XX/XX/XXXX and status updated was XX/XX/XXXX. Experian failed to do a proper investigation of this account and failed to verify the accounts accuracy. In accordance with the Fair Credit Reporting Act, Experian 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, Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-07-31
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. (MA)

Equifax confirmation number XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I had disputed the accounts above with Equifax and also included a police report, Equifax has not removed the accounts above.
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc. (NC)

Was notified by a rep. from First Collection Services XXXX XXXX stating I owed a debt XXXX. I disputed the validity of this debt and the rep stated the debt could be settled and would call me back with a offer at a specfic time and to have my debt card information available. I recieved a call from a four digit number XXXX at the said time. I refused the call and recieved more calls from the same number.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, XXXX and Transunion all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2016, I called the customer service department of Wells Fargo Bank to schedule a mortgage payment for the month XXXX on my FHA loan. The representative noted my payment request and at the end of the conversation, I was given a payment confirmation number. Shortly after, I noticed that my payment was not debited from my bank account and I alerted Wells Fargo that a payment was made and the agent confirmed it but there was no record that the payment was ever made. Today, a late payment is showing on my XXXX report as 30 days late from XX/XX/2016, affecting my interest rates on any future purchases. I have tried on multiple occasions to have Wells Fargo correct this to no avail, despite phone calls and written attempts for help. Wells Fargo would make attempts to review my account while I was a loan customer but since I sold my home and no longer am a Wells Fargo client, this attempts have seem to diminish.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am in the process of purchasing a home and I have memberships with equifax.com, XXXX, XXXX XXXX XXXX Prior to XX/XX/XXXX every day/month I am able to access my reports with no issue. I noticed when I tried to pull my XXXX XXXX report from XXXX for XXXX, the equifax file had and error and I was only able to pull the other two. I kept trying for a few days thinking that it couldve been a glitch on the site so then I decided to try and pull a XXXX report from one of my other memberships and paid extra- they too failed. I went to equifax and tried to pull my free report and it hadnt updated on there a score since XXXX, however for the report it said I had a NH XXXX credit file and all of my accounts showed XXXX as if it didnt exist. 

I called equifax which to speak to someone is a total nightmare you spend 30 minutes entering your information and unable to speak to someone in the XXXX. I spoke a total of XXXX different calls in a weeks time speaking to no one who could help me. The first XXXX calls they said everything looked fine on their end and that they would escalate. Even after escalation no one called or followed up. 

My lender was unsuccessful at pulling me report and I have since lost out on XXXX different offers to purchase a home due to equifax issues. My lender then said when they enter for equifax it says fraud alert but equifax said there was no fraud alert. I havent filed any fraud alerts on my accounts and by the XXXX call I spoke to the fraud department who said they thought they knew what it was and transferred me to someone else. They told me to fax in my ID - I did this twice. One person said there was a block on my date of birth but all of my information has been consistent. Every time I call they tell me theres nothing wrong and I should be able to access and I have to tell them to read the case notes and then they say I have to send in my ID again. Had I not stopped myself I wouldve lost out on a {$30000.00} XXXX  money deposit on the last deal because with equifax not correcting whatever is wrong I am now without the house that I was bidding for. To this day which is now 2 weeks into this nightmare they still have not resolved my issue and my lender can not access my report. Spending hours on the phone and getting nowhere and because they couldnt help there were XXXX specific calls that when I asked to speak to a representative in the United States, they hung up on me.
Consumer complaint received 2019-08-08
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: EQUIFAX, INC. (PA)

the company is XXXX and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.
Consumer complaint received 2022-03-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Genesis Credit Management has been attempting to collect a debt I do not owe. On XX/XX/2022 I sent a letter to them via certified mail disputing this debt and requesting proof. They successfully received this letter on XX/XX/2022. Today is XX/XX/2022, 31 days past my request for proof of the debt and I have not received any such proof or further contact from the company. I now have a collection amount of {$310.00} negatively affecting my credit due to this unlawful debt. This is illegal.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 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 2022-03-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

( XX/XX/2022 ) I am very upset with this matter. I sent a letter regarding inaccurate fraudulent information on my credit report. I feel like Equifax is taking advantage of me. 
This account is in violation of [ 15 U.S.C. 1681eb ] of assuring maximum possible accuracy of the information concerning the individual about whom the report relates. This account was already deleted from the other 2 Credit Bureaus with proof provided. You are reporting inaccurate information on my credit file as verified. Please show me your method of verification.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) You have on file of the account listed above. Under the FCRA, if you are unable to provide me a copy of Verifiable Proof, you must remove the account listed above. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. The FCRA says that you have to tell me this in 15 days if I ask.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXX  equifax and XXXX  ( equifax ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX  ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Mailed {$50.00} check payment to AAA XXXX XXXX managed by Bank of America XXXX on XXXX XXXX, XXXX. Not sent to XXXX XXXX XXXX XXXX XXXX area. 
Card is interest free until XXXX. Company is denying receipt as of today, threatening late charges, threatening to end interest free promotion. 

PS All other bills sent out same day and location were received and/or cashed by other companies ( eg., XXXX XXXX XXXX on or before XXXX/XXXX/XXXX.
Consumer complaint received 2022-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXX Balance {$570.00}, XXXX XXXX XXXX Balance {$1100.00}, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00}, XXXX ( XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$710.00}, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$93.00}, XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$830.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX ) showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2022-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have at {$4000.00} debt with XXXX XXXX that is not mine. I have taken EVERY STEP to have this removed from all 3 bureaus and the only one that refuses to remove it is Transunion. I have asked for the derogatory account that does not belong to me to be verified and validated for over a YEAR and it still has not been done. I only receive a letter that says that the account has been validated and verified but I have never received the evidence that it is mine. I have asked for this with no paperwork or response.
Consumer complaint received 2022-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

CAPITALONE ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring CAPITAL ONE to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. CAPITAL ONE 'S policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2022-08-26
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: Eastern Account Systems of Connecticut, Inc. (OH)

Disputed eastern account services with XXXX  this accounts aint mine. I have asked for proof of ownership none can be provided. Also have asked for signed credit application with my signature on it none can be provided.