davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (VA)

It has been found out that you are not REMOVING files 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 legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$72.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2020-10-16
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)

THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On my transunion report ( through XXXX " the folllowing information is showing incorrect : - XXXX mortgage ( open with XXXX missing payment ), it needs to show " closed with zero missing payments - XXXX should show closed Please Transunion correct this information
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XX/XX/2017
Consumer complaint received 2016-03-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc. (NC)

Optimum Outcomes called me on XXXX/XXXX/XXXX for the second time about the same visit. The first call was on XXXX/XXXX/XXXX for a hospital visit on XXXX/XXXX/XXXX that I did not receive a bill for. I paid that balance of {$94.00}. I received a call today saying that I owed {$21.00} for the same visit. I had received no written communication about this debt until today when I asked for it via email. 

I initially tried to dispute it but was told I could not. They said that the bill was entered into collections is XXXX XXXX and that the bill was reported to the credit bureaus in XXXX XXXX. I could not see this on any of my credit reports provided by annualcreditreport.com I called again to ask for this information in a written format, and they said that they would provide it. The new customer service representative told me that I could dispute it, but that it could n't be removed from my credit report unless it was paid and the creditor agreed to it. She then said that it was normal for it to not show up on my credit report because it was a basic report and that the information they reported could only be seen if you pulled a major credit report such as for an auto loan or for a mortgage. She agreed to put it in dispute for notification and then told me that if I agreed to pay, they would be able to remove it from my credit report within 30-45 days, and that they could send me a letter to dispute with the credit bureaus to speed up this process since I was meeting with a mortgage broker within a week. 

I relented because {$22.00} was n't worth it to me to cost me a potential mortgage, and I then paid, even though I still am unsure why the debt was not paid in XXXX XXXX when they told me I had paid in full for the visit. I received my letter from them asking the credit bureaus to delete the negative information, but the credit bureau dispute forms do not allow me to do so because it is not listed as any information to dispute. This leaves me under the impression that I was given false information concerning my credit report in order to get me to pay a debt that I wish to dispute and that I was not informed about until today. 

I spoke with representatives of TransUnion who told me that the information provided me online was accurate and that there were no collections on my credit report and that everything I was seeing online was the what a lender would see. This confirms for me that this was never actually reported to the credit bureaus and was just a tactic being used to get me to settle a small debt quickly that I do not think I actually owed.
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-04-08
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. (ME)

I XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me wanted to take my life, at this moment this crooked Reporting agency fail to abide by congress law in reporting fair and accuracy information before disclose on my consumer report, they all so sided with the so call debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX SPORTS ) and cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.
Consumer complaint received 2022-07-20
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. (NY)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide with the exact source where you received such information, so I may take appropriate legal action
Consumer complaint received 2018-03-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BlueChip Financial (AL)

Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.
Consumer complaint received 2022-07-20
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. (MS)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing is attempting to alter the original terms of the mortgage. 
i currently have a {$10000.00} home insurance deductible and SPS is requiring that I rework the insurance policy to lower the deductible to {$5000.00}. The {$10000.00} deductible also covers all contents within the home. The current assessed value of my home is {$970000.00} but the mortgage balance is {$400000.00}. 
This mortgage originated 10 years ago and met all insurance requirements. mortgage was bought and sold several times. SPS is the only company requiring I alter my insurance policy.
Consumer complaint received 2015-10-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: DISCOVER BANK (CA)

I am currently in the process of a refinance. Very clean /easy process, except ... the company I have a XXXX mortgage with XXXX Discover XXXX is listed XXXX on the deed of trust. Their mistake. My loan needs to go to funding like yesterday and ca n't move forward until a letter of re-conveyance is done by Discover. They said they ca n't get one out for another 3 weeks or so. This is causing me a financial hardship and not to mention, now discover will get another months interest/payment since we can no longer pay off the loan on time. As a matter of fact, my loan will not go through.
Consumer complaint received 2024-01-20
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. (MI)

I recently reviewed my consumer report and noticed I had fraudulent accounts on my report XXXX has violated my my rights on ( XXXX ) They violated these laws 15 USC 1692 ( b ) ( 2 ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( B ) ( 5 ) Please remove this account from my report they are hurting my ability to obtain credit.
Consumer complaint received 2022-02-04
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. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-05
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIRST NATIONAL BANK OF OMAHA (KS)

On XXXX/XXXX/16 I used a foreign ATM Platte Valley Bank they charged me a {$3.00} user fee to use the atm, and then later that day they added an additional {$1.00} fee without explanation. The terms and fees were not listed or displayed on the terminal. plus this buck XXXX is after the fact
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (TX)

On XX/XX/2021 My card was used to purchase crypto currency without my authorization. The charges were by XXXX payments. XXXX unauthorized charges were made, XXXX for XXXX the XXXX  for XXXX. Multiple attempts using the wrong card information were declined before the XXXX charges were successful. I bank with Current, I disputed the charges but was told the charges were valid. I requested the information used by them to come to the conclusion that the charges were valid but have not received any response.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

Both my joint savings and my personal savings were blocked on XX/XX/XXXX. It is now, at the time of writing, XX/XX/XXXX and my funds are still unavailable. The bank refuses to unblock my account and refuses to help me with my funds. I have bills to pay and all they tell me is that, The information is private and we cant do anything else. 

I have bills to pay and I cant if my money is not being released.
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (PA)

I called American Express to get a lower APR. I asked if I could open a new card with 0 % APR and transfer my balance. The representative informed me that they do not do balance transfers between AMEX cards, but that I could " upgrade '' my card to XXXX with 0 % APR. I agreed. A few days later, I received a new AMEX card in the mail with a different number than my existing card. I waited a few weeks before activating the card and, upon activation, I discovered that I now had XXXX AMEX cards, my old XXXX with a small balance ( why I initially wanted 0 % APR ), and the new XXXX with no balance. So, my account was not upgraded, I was simply issued a XXXX card. This adversely affected my credit score due to the addition of a new credit account as well as the hard inquiry they made into my credit score. Not to mention the fact that I was lied to ( on a recorded line ) by an American Express representative. I immediately contacted customer service on XXXX/XXXXXX/XX/2015 and was told they would open an investigation and I would hear back in 5-7 days. I never heard anything. I called again on XXXX/XXXX/XX/XX/2015 only to find that no investigation or complaint was ever opened the XXXX time. The representative gave me his ID number, XXXX, and told me I would hear back from them in 3-5 days. I never did. I called again today, XXXX/XXXX/XX/XX/<YYYY> and spoke to XXXX in North Carolina. She informed me that a complaint was opened, but not resolution had been reached and to call back in 30 days. XXXX strikes and they 're out. I have had no satisfaction from dealing directly with AMEX and therefore am reaching out to CFPB for assistance.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX Case number : XXXX Related Case Number : XXXX xx XXXX xx XXXX Original Creditor xx XXXX XXXX Original Creditor XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX xx XXXX Original Creditor equifax Case number : XXXX Related Case Number : XXXX Case number : XXXX Related Case Number : XXXX XXXX Original Creditor XXXX
Consumer complaint received 2023-04-08
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. (DC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC. (GA)

I received a call from dealership where my husband and I purchased our truck last XXXX. They said they noticed we have been making our payments on time and would to see us and possibly see about new options. We drove to dealership following weekend and were just going to just speak with someone. They keep trying to have us purchase a new vehicle on top of the one we already had and also told us we could just purchase a new vehicle and let the one we have go back. I specifically said we were not interested in a new truck and stated that several times while I was there. While I was there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had already stated I did not give them permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the up coming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because It was n't directly through them, that I would have to speak with the dealership. I called the dealership and spoke to the guy who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake. XXXX Equifax said they could send in a statement explaining that it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. I know its a money game for them and they make money for reporting anything even if it is against the law. I called XXXX, Transunion, XXXX, and all companies associated with the number to get clarity on it all but they had no properly consent from me or proof I am responsible. I want all listed negative and false information and accounts removed from my file. I can request such thing per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2018-03-16
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. (TX)

CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY TRANSUNION CREDIT REPORT SHOWED THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATER.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I have spoke to Chase about this matter following the bankruptcy in XX/XX/XXXX, they said they would start processing it. In XX/XX/XXXX I spoke to them again and was told that my lawyer did not fill out and send the proper forms to make them comply so they were not going to report.