davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with FCRA this company has violated my rights 15 U.S.C 1681 section 602A states that I have the right to privacy U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. Transunion is ignoring my dispute request
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TN)

I Received a letter from the company that my collection will be removed from the credit bureaus once agreed upon payment. The letter also states that we have a agreement, not only do we have a agreement. The company Convergent Outsourcing has inaccurate information reporting to all credit bureaus. It states my collection was open on XX/XX/2018 on two accounts but on the third one it reports totally different. I disputed this information twice to the creditor and it still remains present. Also, I noticed that several others have had the same complaint with the same creditor reporting inaccurate information. This shows that they aren't to be truthful. Furthermore, the integrity of this company speaks volume when promising deletion and never being deleted. In my attachments you will see XXXX XXXX XXXX attachments to solidify my complaint.
Consumer complaint received 2019-11-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have recently ( XX/XX/2019 ) requested to Bank of America 's credit card department to issue a new Travel Rewards card over the phone. It was immediately approved for a credit limit of {$3200.00}. 

However rather than having only 1 hard inquiry from Bank of America on XX/XX/2019, my XXXX credit report shows 2 hard inquiries from Bank of America. 

In no circumstances, any person can have two hard inquiries from the same bank for the same type of card on the same day because if the card will be disapproved in the first request, it will be again disapproved in the second request whereas I have been issued credit card. Secondly, if the card will be approved on the first hard inquiry, there is no meaning for anyone to again immediately tell the customer service associate to launch another hard inquiry after approval of the card! Therefore I explained that there were not two hard inquiries. 

Please remove the 2 hard inquiries and increase my credit score accordingly.
Consumer complaint received 2022-04-30
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. (TX)

U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction Experian is ignoring my dispute request
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

I have not received confirmation nor certified testimony that your officers complied with the FCRA and all its mandated rules, when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in Exhibit C are in fact complaint and not subterfuge? As a result, I`m willing to settle this debt immediately at 80 % per the total balance. ( copy from the Affidavit attached ) ************
Consumer complaint received 2023-04-04
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)

I submitted this complaint to update this suspicious information. Experian and XXXX Credit Bureau must validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX Balance {$64000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Recurrent perpetrator is XXXX XXXX, a.k.a. XXXX XXXX, whose latest scam is against current creditor, Jefferson Capital Systems for {$640.00}. XXXX XXXX continues to use her previous property address, but I bought her property in 2003. XXXX apparently continues to put down MY property address which results in my receiving HER creditors ' letters trying to collect HER debts. 

XXXX is not using my name. She is using my address for her credit card scams. Isn't this a form of identity theft? 

I have tried writing Jefferson Capital Systems ( as I had to all previous creditors looking for XXXX XXXX or XXXX XXXX ) that I am NOT XXXX, and that XXXX has no right to be using my property address as hers ( since 2003 ). 

How do I stop this XXXX from unlawfully using my property address in her credit card scams? I am tired of being accused of being XXXX and I am tired of receiving letters from creditors looking for XXXX who think she lives at my property. She does not and has not since 2003!
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY (IA)

Today 's date is when a phone number called me having my last 4 of my social security number my full name and my home phone number which is impossible to be a real debt collector because Noone has my home phone number and they called from XXXX pre fix which is from iowa where I currently live and when I asked them for proof of the debt they were trying to collect was from California but when they sent me an email it was found in spam and had California colorado website which was found to be odd and when I called the toll free number from the email it just kept ringing and no one answered.. I'm very worried for people having my information like this please help me figure out if it's real or fraud they called me from the phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX and the toll free number is ( XXXX ) XXXX and stated I owed $ XXXX.and some change to them by Wells Fargo and that's impossible I've never received any mail or any information about this so called debt
Consumer complaint received 2023-04-04
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My complaint is against Capital One credit card services. Back in XX/XX/2017, I decided to apply for another credit card. Not realizing that my credit report was destroyed by Capital One. I assume before I head plaque for credit, that my credit was good. Knowing I have never been late with any of my payments to Capital One. That I also had no other credit card. I felt that I've been with Capital One for years and paid all my bills on time as promised. So never once, did I imagine that my credit report was no good. 

After some time has passed, I decided to apply for my annual free credit report. Just to see what was going on and what was causing my credit report not to be any good. I looked on the XXXX, XXXX, and XXXX. 

When reviewing my credit report, the only thing standing in my way, was Capital One reporting delinquency. However, the report is ready complicated and had a lot of conflicts in there. First, it says paid on time as a agree for the past 3 years without a problem. However, in is comments in there, Capital One stated I was delinquent with my payments. On one part, it says I'm delinquent. On the next part says, I pay on time. Very conflicting. How can Capital One say one thing, and on another part of the report says something else? 

Keep in mind I paid my credit card bill on time and have never been late in years. I only have one Capital One credit card. Which is called Capital One Journey.That I had all these years. I also do not receive a statement in the mail and have not received a statement in the mail for years as well. So if there was any problem I would not be aware of anything. Knowing I do not receive any statement. Then again how can there be a problem, if I pay on time and never went past the due date. 

However, I always went by the due date that Capital One said will always be my due date. For the as long as I own this credit card. I've been paying on time and have never missed one payment. That is good for a young person like me. 

If there was any problem with my account, I never once received any letter from Capital One. I never once received any calls from Capital One. I was never told my Capital One, that my payments are late or were never processed. 

So as far as I am concern, I was on time with my payments. I did everything right. So my credit report should reflect that.
Consumer complaint received 2021-06-22
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. (TX)

I have sent several requests to XXXX, Transunion and XXXX  for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

XXXX  has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

XXXX  - XXXX XXXX XXXX my name is XXXX XXXX XXXX Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX my name is spelled XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-02-12
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: TCF NATIONAL BANK (NC)

To whom it may concern on XX/XX/1017 we purchased a XXXX XXXX from XXXX XXXX in XXXX ny our loan is with XXXX XXXX XXXX who has been a great place to do business with my complaint is not with them but it is with the dealer and all of the lenders who ran my wifes and my credit, we were under the assumption that the dealer ran our credit and submitted it to the lenders,1time, instead they submitted the application to them and they all ran the report I have spoke to the lenders to try to get them resolved and taken off our reports, they either refused or said they cant they put them on they can take them off, my wife and I now are going to try to purchase a home and all of these inquires are on the reports lowering our scores could you please HELP US
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (DE)

company not reporting vehicle loan ( s ) to credit bureaus. I contacted both, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  to ask why they were not reporting my positive accounts. Both companies expressed they would update, that has yet to happen. 

my initial communication regarding the matter was XX/XX/2021 till present. 
unresolved.
Consumer complaint received 2020-10-19
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. (CA)

Dear CFPB, I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because this account was charged off in XX/XX/XXXX, and reports account type under the Collection 2. Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3. Delete this account, because it shows a Past Due Amount {$740.00} and a Charge Off/Close Collection Account must show {$0.00} Past Due.

4. Delete this account, because it reports an incorrect amount. Correct amount is {$740.00} on the credit report shows {$740.00} 5. Delete this account, because it shows an incomplete account  number. Correct account number # XXXX ; on the credit report shows # XXXX 6. Delete this account, because it shows payment history N negative on a collection account in XXXX and XXXX. 

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-01-18
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2020-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have 2 capital one credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.
Consumer complaint received 2019-11-15
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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-04-04
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. (IL)

I disputed a bankruptcy with Experian, XXXX, and XXXX. They told me if was verified through XXXX XXXX I reached out to XXXX XXXX and it was deleted on their end. I need all three credit bureaus to delete this bankruptcy ASAP!
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AL)

XXXX and Experian have made getting a free, online credit report more difficult in recent years. After entering all required information to receive my report, I invariably get a message that I must contact customer service for my report. However, I can contact them only during limited weekday hours, and my calls seldom get through after long wait times. Experian all but compels consumers to ask for paper copies of credit reports, because they no longer allow me to receive and download digital copies. Getting my free credit reports from these two agencies was not a problem prior to 2018, but they now require consumers to jump through multiple hoops to get what was previously easy to obtain. Enough!
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for
Consumer complaint received 2022-01-14
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. (FL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Equifax credit report. I recently retrieved my credit report and it showed 7 credit inquiries that I have no knowledge of ever authorizing. 
I have called Equifax and they have denied me of disputing the unauthorized inquiries listed below. 

Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX FCU XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

The company responded to me threw cfpb stating that they was removing this debt from SEQUIUM ASSET SOLUTION account # XXXX from all my three credit bureaus because I sent proof that this account is fraud I sent proof of police report and identity theft and this account wasn't removed from my credit report its still showing