davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
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)

The server error that Transunion had that deleted inquiries and public records from my credit report and later reinserted then without written notification after, they failed to follow th e Legal pr ocedure to do so. I called Transunion and the customer service representative would not help me and take care of the negative inquiries and public records reporting on my credit report.     The following public record and inquiries needs to be deleted!       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MN)

On XX/XX/2023 at XXXX I tried to withdraw {$120.00}. The machine was taking forever so I started to record with my phone. The atm machine finally said timeout. So I called the bank that the atm was at and left a message and tried to get ahold of my card issuer as well. No one was available on either end and I had to wait until business hours to speak with someone. The banks atm called me right away and I was told that I would have to deal with my card issuer. My card issuer has made it impossible to find out whats going on. They refuse to escalate my call to a supervisor every time that Ive requested. I was told numerous times that they will email me an update and I have not received that either. Since then Ive had my electricity shut off and was made to pay a {$100.00} reconnection fee.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The payment due in XX/XX/XXXX was made on time, which falls within the 15-day grace period offered by the creditor. The payment should not have been reported as 30 days late. 
Clerical error by XXXX XXXX XXXX payment was processed on time, but due to a clerical error by the creditor, it was incorrectly reported as late. This was a system error that falsely flagged the account as past due. 
Evidence Provided : I have attached bank statements and confirmation emails showing that the payment was made and processed on time, demonstrating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
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 have a loan with the account below. I have always made my payments on time. Ive contacted the bank about the issue & they agreed to mark it as paid as agreed -- - never late. I believe their records are wrong & Id like this matter handled ASAP. Please update the accounts immediately and remove negativity. 

XXXX XXXXXXXX
Consumer complaint received 2022-03-03
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: HCFS Healthcare Financial Services of TeamHealth (CO)

I sent ARS account resolution a validation of debt letter certified on XXXX Ive attached the letter, the signed return receipt as well as the usps tracking as proof of the company receiving my request. I have yet to hear back from them, they haven't sent any proof of this account. 
This is a violation of FCRA and it needs to be removed,
Consumer complaint received 2022-03-03
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)

The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. XXXX responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (MI)

American Credit Acceptance XX/XX/2022 Inquiry Date reported as a Hard Inquiry If its the company I think it is something is still wrong because I already have a vehicle with a name of company that sounds similar but theres no reason to perform a hard inquiry when I am still making payments month to month and did not authorize that inquiry.
Consumer complaint received 2022-03-03
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: DISCOVER BANK (CA)

The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. XXXX responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.
Consumer complaint received 2017-06-06
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. (TX)

There is a fraudulent    XXXX   XXXX   XXXX    account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere a round  2014  and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with th  e ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the    XXXX   XXXX   XXXX   is not. Please remove all accounts from my credit report immediately. Thanks.
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

When I first moved to XXXX, TX in XX/XX/2023, I signed a lease without seeing the property first. When I arrived, there was criminal activity and I told XXXX XXXX XXXX I would not live there. They suggested their alternative apartment building, the XXXX. I moved from XXXX XXXX the next day into the XXXX apt and requested a new lease. 

I never received one. I also saw my signature was digitally forged after they added new information to the original lease that hadn't been approved by me prior to my original signature. 

I had paid for one month 's rent and stayed in the XXXX Apt for one month before returning the keys to the maintenance person and leaving. The lease was invalid, I have never owed them further payments, and National Credit System never contacted me in writing to say they were a debt collection agency. 

I filed a complaint with the TX Attorney office due to the fraud and will attach that document as it goes into further detail. 

While living in the XXXX Apartments, someone attempted to enter my apartment while I was inside using a key. A XXXX man jumped into the pool fully clothed and when I reported it, nothing was done to sterilize the pool that people continued to swim in. There was loud construction in the apartment near the one I temporarily stayed in and I made numerous complaints to the management and the city as it was happening until XXXX at night. 

The place was unlivable due to the fake lease I never approved, signed or received. The conditions I was forced to live under made it uninhabitable - loud noise, someone attempting to break in, homeless activity. 

I never received any notice from National Credit System in writing and when I called to request verification they said they would email it to me. I have never received proof of this. 

I have paid my rent on time and in full to my legal living space since XX/XX/2023. I do not owe any more money to National Credit Systems or XXXX XXXX XXXX as they rented me an apartment that had criminal activity they were fully aware of due to the video taken inside the apartment they sent me prior to my moving in. 

I suffer from XXXX and this trauma has followed me. I need it to stop. I need National Credit Systems to understand I do NOT owe any more money for a fraudulent lease. 

Thank you.
Consumer complaint received 2017-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have been attempting to resolve issues regarding 2 items  that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
Consumer complaint received 2021-09-03
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. (MD)

The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2017-06-06
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. (CO)

The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MO)

After a nightmare dealing with this bank from the very first month, I paid off my loan 16 months early Ally Bank received the final payment on XX/XX/2022 by Priority Mail Receipt. On XX/XX/2022 they sent me 'Congratulations ' on paying off the loan and the confirmation of Lien Release . I hadn't received the Title of the auto as yet, so wrote them a letter making the request on XX/XX/1022 ... .this was after requests on Social Media , without response. It is now SEVEN MONTHS after satisfying my loan early ... .AND STILL NO TITLE or response to my letter. This appears to be common practice with this company, as I have seen many similar problems both on XXXX  and Social Media sites.
Consumer complaint received 2022-03-03
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

I am a victim of identity theft and someone used my personal information to obtain this account in my name without my permission. 

I recently discovered this fraudulent account on my XXXX and XXXX credit report. I am requesting for this fraudulent account to be deleted and removed immediately because it does not belong to me. 

I did not benefit from any goods or services from this fraudulent account. I have attached a copy of my police report and FTC report.
Consumer complaint received 2018-03-22
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. (TX)

Equifax confirmation # XXXX investigation results dated XX/XX/XXXX stated that the disputed public record was not reporting on my credit file. I'd previously sent many certified letters with documented proof that this was an erroneous and unverified public record by purchased from 3rd parties. I then requested a copy of my full credit file so I can see proof that the record was indeed removed and instead I get a full reversal of the investigation with no valid reason why in Equifax confirmation # XXXX dated XX/XX/XXXX stating they will keep the erroneous, unverified public record damaging my credit rating for 10 years. 

I know for a fact that Equifax has not verified this public records because I called the Court house and received a written statement that this information was never transmitted to Equifax or anyone else. I also know that Equifax has not verified this information form XXXX XXXX because 1 ) I've have an identity theft/breach freeze on the account since XX/XX/XXXX and 2 ) XXXX XXXX is a 3rd party vendor that sells data to reporting agencies and do not have the ability to verify or validate the accuracy of the information under any circumstances. 

So before I escalate this continuous issue with Equifax to small claims court seeking no less than {$5000.00} in damages I am raising this issue via CFPB and the Federal Trade Commission so my FRCA rights can stop being violated. I have attached the documented proof from the Clerk of Court, and responses by Equifax showing the conflict and total reversal in the investigation results. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. XXXX and TransUnion are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want XXXX of their customers to use their credit file to decision me. TransUnion even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ XXXX to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.
Consumer complaint received 2021-03-24
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. (FL)

XX/XX/21 could not get through after constantly on hold This company keeps lowering my score, I have paid off a loan and 2 credit cards, I opened a new credit card, one that carries no annual fee, they lowered my score by 17 points because I charged XXXX to one of my cards, that is not right at all, my overall balances have decreased over the last 8 months, I have not been using the cards, I just used one to pay something, my debt to income ratio is at 25.2 %. I have been trying to get my score up, and they decrease it for no reasonable cause! see attached to the latest, I was almost at 640 now they decrease me and put me at a low score again, this is going on too long I need assistance. My friend recently got a new credit card with no annual fee, and closed another and her score went up 45 points! my payment history is stellar this is unfair practice!
Consumer complaint received 2017-06-07
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)

XXXX   XXXX   XXXX ,  XXXX  {$280.00}  XXXX   XXXX   XXXX ,  XXXX  {$83.00} These  XXXX  account are to me removed from my credit file!   This is not a dispute and no remarks relating to dispute are permitted to be placed on my credit report!  <P/> These accounts were opened without my knowledge and were never to be in my name! I have already had them removed from  XXXX  as well as  XXXX  However Equifax refuses to remove them!  <P/> I want these removed from my file completely as there was never any agreement from me for these accounts to be in my name or reported to my credit files!  <P/> Again I just want them removed as they are illegally reported and reporting on my credit file with Equifax! This is not a " dispute '' and is not to be reported as such on my file!