davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureaus XXXX and Transunion about the unverified info being reported from AUTOMATED COLLECTION Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (LA)

I want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these fraudulent accounts, that has damage my credit record, Please note these incident for future references.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

XXXX says i owe a debt of {$5400.00} but to my Knowledge i don't owe XXXX   any debt. They have now turned me over to a collection agency.
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (MN)

They do not send validation or mark the account as a dispute. I attach the XXXX  report where it does not appear that it is being disputed. I request that your office provide me with proof of the debt it claimed it had, and that it is reporting on my credit. I have the right to claim and you are obliged to provide me with the relevant documentation in the event that you continue with your collection activities.
Consumer complaint received 2021-10-25
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: Experian Information Solutions Inc. (GA)

A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.
Consumer complaint received 2021-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

This company sent me a notice dated XX/XX/21 stating that i owe {$530.00} on an alleged debt from an alleged creditor named XXXX SECURE COMPANY. I have no knowledge of this company or why they would have my place of abode information. As a consumer this is a violation of my rights by this company as well as the alleged creditor above mentioned who most likely sold my information to this debt collection agency for profit. In the communication with i the consumer the company used both language and symbols to indicate that they are in the debt collection business. They also outright stated that this was an attempt to collect the debt. I never given this company any authorization to contact me nor have i contracted with them.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2022-01-10
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: Experian Information Solutions Inc. (TX)

I did not give your company consent to furnish any hard inquiries on my consumer repor. I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX or Transunion does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (GA)

To Whom It XXXX Concern To Whom It XXXX Concern I am challenging the incorrect information with XXXX XXXX and alll XXXX Bureaus Experian, XXXX, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was verified. The account is being reported as a Bankruptcyby XXXX and XXXX credit bureaus. I personally have a letter from the court house and they said they do not report to any credit bureaus. I have coantacted the credit bureaus on XX/XX/2022 and XX/XX/2022. they both came back verified. 
I contacted all XXXX bureaus Experian, XXXX, and XXXX as well. I then know that you can not report false information to a consumers credit report. Nothing was ever verified and they as well have never sent me any letters on the process of their verification process. All reporting credit agencies should prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. By them reproting this unverfied inforamtion has made it hard for me to secure a home as well as funding. This is inaccurate information and I need it deleted immediately. 



delete a bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verify these items in it needs to be deleted according to the FCRA they have once again refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more an interest every year this item needs to be deleted from my credit report if you can not be verified with
Consumer complaint received 2021-08-14
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. (TN)

This is a formal complaint against XXXX XXXX, and Transunion. I have disputed this with the three credit bureaus. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 


Late payments Account Name : XXXX XXXXXXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I have paid these accounts on time. How did they verify this?
Consumer complaint received 2020-07-23
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. (PA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-11-24
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. (IL)

I uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX  does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2020-11-24
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. (IL)

I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

See attached. As pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) I never gave these companies written instructions to pull my report. The companies reached out to me and let me know that they have sent letters to equifax informing the to remove these unauthorized inquiries. Equifax know that according to XXXX XXXX XXXX ( b ) when they do their investigations they must prepare XXXX  accurate report to the XXXX. Remove these XXXX inquiries immediately. 
XXXX XX/XX/2021 XXXX XX/XX/2021. This is a defamation of my character and I want {$1000.00} for each inquiry because equifax came back stating that they spoke to these companies and it was verified when that was not true. Equifax was not being fair and equitable and I suffered from. I will be taking this to federal court if I don't get my remedy
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of. Between XX/XX/XXXX and XX/XX/XXXX there had been 14 inquiries from various creditors that I do not recall trying to get credit from. 7 inquiries on Experian, 3 inquiries on XXXX  and 4 on XXXX. I had multiple items marked as delinquent, derogatory or collections that are not mine. 

On XXXX at XXXX I filed a police report with the XXXX Police Department about the accounts and inquiries. On XX/XX/XXXX I then sent certified letters and the police report to all the Credit Agencies concerning these fraudulent accounts. 

I received a response from XXXX  on XXXX with my full XXXX  report stating that they did an investigation. Only a few things that were fraudulent were actually removed. 

On XXXX I received a response form Experian and the same thing was repeated only a few fraudulent accounts and inquiries were removed. I did not receive a letter from XXXX. 

On XXXX I checked my credit report and saw XXXX  removed 16 of the 19 fraudulent accounts, Experian removed 12 of the 25 fraudulent accounts, and XXXX  only removed 4 of the fraudulent accounts. 

On XXXX I wrote to all the agencies asking them to verify how they verified the fraudulent accounts as being accurate. 

On XX/XX/XXXX I looked over my credit report and accounts that were removed were added back to my credit profile and had not been properly investigated or Validated. I then wrote a third letter on XXXX to all the agencies asking for proper Validation, and to delete the fraudulent accounts. 

On XXXX I looked over my credit report once again to see more fraudulent accounts that were once removed added back to my credit profile plus additional fraudulent accounts added to my XXXX  and Experian. XXXX  removed 9 of the 13 accounts. 

On XXXX I flied a supplement police report with the XXXX PD Report # XXXX and also flied an FTC Report # XXXX concerning ongoing issues.
Consumer complaint received 2023-06-12
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

We paid off our credit card account for {$10000.00} and I called the company to get the last interest charge removed because we had a credit balance refund and then the statement cycled and charged interest. I talked to 2 managers who refused to help me and I have never asked for help in removing interest. I think we have paid enough interest charges.
Consumer complaint received 2021-10-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: XOOM CORPORATION (GA)

Ok i have a xoom account and i transfer money to myself from prepaid card to prepaid card and i use them because you could use it over differ states etc so this morning i transfer XXXX into my acount and they have a 30 min policy if you cancel within 30 mins they will send money straight back you dont have to wait the three to five days so i tranfer nothing happened with 10 or 15 mins so i cancel my transaction and call them to refund my money they tell me i have to wait five days because they got a hold on my money and thats my rent money because my rent man be out of town alot so that why i transfers card to card because he can just take his payment off and not miss with my other cash any other time xoom would take only 5 or 6 mins it there i would like to receive my money so me and my kids want be out side
Consumer complaint received 2021-10-25
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. (GA)

XXXX XXXX XXXX  kept reporting fraudulent charges from the gym XXXX, months after I contacted the gym and attempted to cancel the membership. Since I started disputing the fraudulent charges, my account has been reported late to the credit bureaus, which is a violation of the Fair Credit Reporting Act. I have submitted all the necessary documentation and yet you continue to report these fraudulent charges.
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX  kept reporting fraudulent charges from the gym XXXX, months after I contacted the gym and attempted to cancel the membership. Since I started disputing the fraudulent charges, my account has been reported late to the credit bureaus, which is a violation of the Fair Credit Reporting Act. I have submitted all the necessary documentation and yet you continue to report these fraudulent charges.
Consumer complaint received 2020-07-24
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00}
Consumer complaint received 2021-04-29
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. (UT)

I have been trying to get in contact with a creditor that is listing a charge off on my credit. XXXX is reporting a charge off with a balance of {$57.00} and i have called a lot of different places in attempt to settle this debt with no success. Apparently XXXX no longer services XXXX credit cards and i can not find any contact information for them. This account is affecting my credit scores and i need to be able to settle. I want to settle but if this company no longer exist who do i pay?? I'm not sure what to do and am requesting that the bureaus remove this debt from my credit file.
Consumer complaint received 2022-01-10
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. (GA)

This account is inaccurate and an FCRA violation. XXXX XXXX XXXX # XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please remove this inaccurate account from my credit report.