davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Express Recovery Services, Inc. (UT)

Express recovery - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and Express recovery put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.
Consumer complaint received 2021-07-01
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. (PA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (TX)

Information reported inaccurately to credit bustard. Unsuccessful disputes with documentation proving the following Collection accounts listed below are not mine and reported inaccurately. 
Common wealth financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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: Nationwide Recovery Systems, Ltd (TN)

XXXX XXXX XXXX keeps adding accounts that have been disputed and removed with all credit bureaus. Account amounts are not true nor accurate I was never contacted by originally debtor due to address change. I called and spoke with a rep who Did not properly ask security question to verify the call. The rep stated several accounts that had been removed by all three bureaus. I requested that the company send me these accounts that were showing active that werent disputed and removed. I made this call in XXXX and have not received this request sent validation. 

Amounts XXXX, XXXX,
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I disputed two 30 day lates reported to my credit report during the stay at home orders, my business was shut down a good portion of 2020. I have sent 2 letters explaining to capital one that per Public Law No : 116-136 ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021, my account was in good standing and still is, I called capital one In XXXX  of 2020 and also in XXXX XXXX 2020 to discuss my business shutdown from the pandemic and my payment would be a little over 30 days late and they explained they wouldn't report it late due to the pandemic shutdown. Ive sent two letters ( attached ) asking them to remove these late payments and they replied back with they cant remove for courtesy reasons. Which they are clearly violating the Cares Act and lied to me when I called and arranged the payment.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Experian, RE : Failure to Respond to CFPB Complaint is a Violation of Fair Credit Reporting Act ( FCRA ) I am writing to express my outrage regarding your companys failure to respond to the complaint I filed through the Consumer Financial Protection Bureau ( CFPB ). Complaint number XXXX filed on XX/XX/year>. Including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. It is appalling that Experian, a company that is legally bound by the Fair Credit Reporting Act ( FCRA ), continues to show such disregard for the rights of consumers. This is not the first time Experian has failed to comply with its obligations, and your company 's track record of being involved in numerous lawsuits for violations of consumer protection laws only reinforces the seriousness of this matter. 
Under the FCRA ( 15 U.S.C. 1681 et seq. ), you are required to investigate and respond to disputes about inaccurate information on credit reports in a timely and efficient manner ( 30 ) days. Your failure to respond to my dispute in accordance with 1681i ( a ) is not only a violation of federal law but also an indication of systemic negligence on your part. Given that Experian has faced lawsuits in the past, including high-profile class action cases and settlements regarding violations of the FCRA, it is extremely concerning that these patterns of noncompliance and disregard for consumer protection continue. It appears that Experian has learned nothing from these legal actions and is once again acting in bad faith by ignoring my legitimate dispute. 
I demand that you immediately address the inaccuracies in my credit report and provide a formal response to my CFPB complaint. If I do not receive a satisfactory response within the next ten ( 10 ) days, I will take further action, which may include : Filing additional complaints with the CFPB and Federal Trade Commission ( FTC ) for your violation of the FCRA.

Consulting legal counsel to explore further action, including but not limited to civil penalties as outlined under 1681n for willful violations and 1681o for negligent noncompliance. 
- Bringing this matter to the attention of relevant media outlets and consumer advocacy groups to expose your ongoing failure to comply with consumer protection laws. Let me remind you that your company has already faced consequences for ignoring the rights of consumers. I expect you to take this matter seriously and provide me with a resolution without further delay. Thank you. 
XXXX XXXX social Security number XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2024-10-14
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. (GA)

Durning the Global COVID-19 Pandemic took advantage of a global crisis and would help when I was laid off from the XXXX Pandemic. Instead of offering a relief on help of payment during that time they added late fees and interest to credit card making your balance higher than the credit card limit. XXXX called a harassed XXXX, weekly demanding payment. They ignored CARE ACT Congress passed for those seeking relief from the pandemic. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. Instead, they placed Charged off on your credit report and wrote off as LOSS Debit with the IRS. 

They reported Account XXXX with credit limit of {$700.00} and added fees adding up to a balance of {$1000.00} with Experian and XXXX. 

They reported Account XXXX with credit limit of {$500.00} and added fees adding up to a balance of {$900.00} with Experian and XXXX.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I sent XXXX and Equifax a letter disputing inaccuracies and unlawful practices concerning my credit report. According to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covid forbearance period.

I am a victim of covid 19 and by LAW they should have never put them on my report. In addition another unlawful act by ( Equifax, XXXX ) is violation of 15 U.S. Code 1666b. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These companies are also in violation of 15 U.S.C. 1692g. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They were to notify me of this in writing 5 days prior, I was not. 

As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Because you have failed to acknowledge my disputes a lawful remedy will be had and I will be in pursuant of 15 U.S.C. 1692k for {$1000.00} per violation for : 1. Unverified/ Inaccurate Reported Late payments XXXX Account Number :XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 2. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date Payment Status XXXX  Account Number : XXXXViolation of 15 U.S.C. 1692g Please delete from my credit report 3. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date of Last Payment XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 4. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed
Consumer complaint received 2023-01-09
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. (FL)

incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida XXXX DOB : XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance XXXX {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00}
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX and experian has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XX/XX/XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card from XXXX XXXX with a balance of {$15000.00}, Mortgage with XXXX XXXX  with a balance of {$0.00} dollars, Mortgage with XXXX XXXX  with a balance of {$0.00}. Hard Inquires from XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX on XXXX XXXX and XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

Debt Recovery Solutionsis reporting a medical debt on my personal credit report with all three major credit bureau 's ; XXXX, XXXX and XXXX as of XX/XX/XXXX via an alert through XXXX, XXXX and XXXX. I do not owe Debt Recovery Solutions money nor have I ever received medical services from Debt Recovery Solutions. Additionally I did not authorize any medical provider to violate my Hippa rights and provide my personal and medical information to a third party company. I have not signed nor consented to Debt Recovery Solutions reviewing, obtaining, reporting, or consulting on my personal and medical history. I have a signed Revocation of Authorization for XXXX to not disclose any information to Use or Disclose Health Care Information to any third party This is a violation of Health Insurance Portability & Accountability Act of XXXX and also a violation of the Fair Collection Practices Act. I, numerous times have tried to deal with this issue. Debt Recovery Solutions sent me a letter on XX/XX/XXXX for a debt they say for XXXX, On XX/XX/XXXX I sent them a certified letter, they were not able to. On XX/XX/XXXX I sent them a second letter on failure to validate and and cease certified. ON XX/XX/XXXX I received a notification from XXXX, XXXX and XXXX that Debt Recovery Solutions has noted a collection on my credit. They have violated my Consumer rights by not validated a debt, They reported a a disputed debt to the CRA and the FCRA violation - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation - Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I've started two XXXX transfers from my account on Coinbase - XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Got replies that the transfers are supposed to clear on XX/XX/XXXX and XX/XX/XXXX and both are still missing. The funds are gone from my Coinbase account and have not appeared on my bank account, which leads me to believe that the transfers were never done at all. I have received only generic replies from their support and it looks like nobody is actually dealing with the issue.
Consumer complaint received 2022-09-09
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. (AR)

Reporting act XXXX  DATE : XX/XX/XXXX, XXXX/XXXX  DATE : XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XX/XX/XXXX, US SM BUS ADMIN date : XX/XX/XXXX, XXXX XXXX Date XXXX XX/XX/XXXX, XXXX XXXX  Date XX/XX/XXXX & XX/XX/XXXX, also XXXX  XXXX acct # XXXX, XXXX acct # XXXX ALL 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. 

these accounts and inquires where fraud and not consented by me and should be immediately removed
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (FL)

Nationwide Recovery Systems On a recent review of my credit report I noticed 1 collection amount in the amount of {$650.00} for a medical collection from  Nationwide Recovery Systems. 

On XX/XX/XXXX i sent a debt validation and hipaa authorization validation to the address listed on my credit reprt ( view attached image for address ) On XX/XX/XXXX the letter was refused.

Upon calling the number listed on my credit report on JXX/XX/XXXX the  representative informed me I have multiple accounts with them and that he would not send any validation, he also stated I had the wrong address though the one I have is listed on the collection. He would not give me the correct address and refused to update the account with the credit bureaus with the correct address. On the attachment below you can see only 1 account listed on my credit report so I do not believe the validity of any of these accounts he speaks of. 

He also refused to tell me all the accounts in a manner I could understand, he was speaking way too fast. He told me that they would be reporting all accounts to credit bureaus. I informed him that doing so without letting me validate or accepting my decision request could be a violation of the FDCPA, and the fair credit reporting act. He stated he didn't care, one way or another they'd get their money.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have tried to dispute the chase account on my Experian credit report and they have not taken it off my credit report when this account has already been determined by the FTC and a few other federal investigation bureaus as a fraudulent account. I don't understand why experian is taking this long nor do I understand why they have not erased it. However my other two credit reporting bureaus have already taken it off and blocked it.