davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There is a fraudulent account on my consumer report that I am highly displeased with. This account has tremendously decreased my credit score. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX opened XX/XX/2017 XXXX {$360000.00}.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2020-12-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MECHANICS BANK (CA)

I have not received a Loan Statement from my Second Trust Deed account from Mechanics Bank ( formerly Rabobank ) since XX/XX/XXXX. Nor do I have access to an electronic statement account record on my online banking profile. I continue to pay this account on time monthly as agreed. 

On XX/XX/XXXX I contacted online banking customer service and was advised by XXXX XXXX in customer service the account status was preventing the account from showing up on my online banking profile. I was directed to call the mortgage department at XXXX a non-working number for assistance. 

Thursday XX/XX/XXXX I contacted Mechanics Bank main Customer Service number and was directed to the voicemail of XXXX XXXX Loan Collection Specialist. I received a return call from Ms. XXXX on XX/XX/XXXX stating the issue was resolved and I should have access to my Loan account online ( this issue remains unresolved as of XX/XX/XXXX ). 

Approximately XX/XX/XXXX I went in person to my local Mechanics Bank at XXXX XXXX XXXX XXXX, CA. I was advised they could not help me, and redirected me back to Ms. XXXX. I emailed MsXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. Last Ms. XXXX noted was the account was escalated to her manager. I have yet to receive a response from Ms. XXXX or her managXXXX. 

Again approximately XX/XX/XXXX I contacted Mechanics Bank main customer service regarding my lack of access to both electronic and/or paper statements on this account. The representative stated as I had paid the account early, no statement was sent as there was no payment due. I then adjusted my payment to be paid on time. And still, have yet to receive a paper statement. 

On XX/XX/XXXX, I again inquired with online customer service requesting electronic access to a statement of this account on my online banking profile. I received a response from XXXX XXXX who stated the account was not available because it is managed by the Special assets group and " Only Special Assets can release that restriction. '' I was advised to contact Special Assets directly, however was given no direction on how to contact Special Assets. 

I am in the process of refinancing my First/Second Trust deed accounts with XXXX XXXX XXXX I received a request from XXXX XXXX with XXXX XXXX XXXX on Friday XX/XX/XXXX stating they require an updated statement for this account as soon as possible. 

I am concerned the lack of access to either electronic or paper statement for this account will adversely impact my ability to refinance my home. 

Thank you for your assistance!
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2022-06-12
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. (VA)

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act 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 2018-11-28
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. (CA)

I applied for a Merchant processing account with XXXX, also going by the name of XXXX XXXX, on XX/XX/2018. 

I specifically asked the salesperson prior to submitting my report if this was a soft or hard inquiry on my report, because I was going to be looking at buying a house soon, and did not want any hard inquiry done on it. I was completely and unequivocally assured it was not, that it was a soft inquiry, and proceeded to apply for the account. I am the owner of my company, so when we do this type of thing, it is my credit account that winds up being used. 

I then received a hard hit on my credit and was furious. 

I called the company and expressed my frustration but they initially denied that it took place. Then when I pressed them, I was given some run around excuse that it was because as a merchant account, the funds were held in a bank for a day and so they have to handle it like a credit application, which was total rubbish. They refused to remove it. 

I then contacted transunion, and much to my horror they stated that they only way why would remove the hard inquiry is if the issuing party sent them " a deletion letter ''. I explained that the company already refused to do so, and did a hard inquiry without my permission. They refused to remove the unauthorized inquiry. 

I am shocked and livid that I am not receiving the help that I need to remove this. 
Transunion is basically saying, that unless a criminal tells on themselves when they misuse your credit report, that they refuse to honor the consumers rights. That's insane and that's completely against my rights, as well as the law. 

I have contacted both parties on 3 occasions now, once in XXXX, once in XXXX, and once in XXXX, with no results. In fact when I dispute this with XXXX in XXXX, they closed my merchant account on the same exact day out of retaliation for attempting to resolve this. 

I've been through both identity theft, and tax fraud, and I absolutely need to make sure that my information is safe, and that people are not using my information in any way I did not authorize. 

Please assist me in removing this hard inquiry on my reports. I did not authorize it, and was not given accurate information or support by either entity. 

I do not know what documents to share, but the hard inquiry is on my report, and I have a copy of the letter sent to me by XXXX in XXXX in needed.
Consumer complaint received 2018-11-28
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. (DC)

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2018-11-28
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: Franklin Collection Service, Inc. (CA)

XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They have a hold on my money and it's been a week and every time I go to claims they give me a different answer and have me doing the work to recoop what they already have. I am so done with bank of america. I had just over XXXX dollers in my account and they are holding XXXX of it .its been a week..I need this money now.
Consumer complaint received 2018-11-28
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: STERLING JEWELERS, INC. (CA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-28
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: KINGS CREDIT SERVICES (CA)

XXXX has been non-compliant with removing the unverified account KINGS CREDIT SERVICES which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that KINGS CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-28
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: United PanAm Financial Corp. (CA)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-28
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. (CA)

XXXX  has been non-compliant with removing the unverified account SEARS/CBNA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SEARS/CBNA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed the late payments on XXXX XXXX XXXX XXXX The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I had a lot of fraud on my account. They printed out paper work for me to look over. I told them by looking at account what wasn't my charges but I wanted to be sure so I didn't lie not meaning to about any charge. My car broke down and I wasn't able to bring them paperwork. Reguardless I told them what i knew was fraud and where it started. Them knowing this and I should have been reembursted at that matter. I am no longer able to have a checking account. It showes I owe money I should not owe but should have been paid back. This issue has yet to get resolved maybe you can help. I don't want the negative reports on my credit for they are false and I would like my money back if all possible. With my luck I doubt in a million years.
Consumer complaint received 2021-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (OH)

The following debt is in collection, even after attempts to make payments. applied for financial aid through the institution and was denied even after expressing that I do not have the finances to pay for the debt. The debt is a negative reflection of my credit profile and I would like the following debts to be disputed.
Consumer complaint received 2018-11-28
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. (NV)

I have disputed the late payments on XXXX XXXX XXXX XXXX The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP