davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
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. (NV)

In 2013 my father suffered a XXXX  XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with the companys listed in the Attached FTC report.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (DC)

Over the last several months I've been trying to link my PNC debit card with XXXX so I can participate in their roundups program, but have been unsuccessful. I used to be able to link my card with my XXXX account, but for some reason XXXX is telling me you/PNC are no longer willing to allow this. Why?
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

From XXXX XXXX social security number is XXXX. XX/XX/59. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX My complaint is that I have five negative accounts on my XXXX XXXX report that are charged off, the negative accounts are credit card accounts that are charged off can you please have XXXX XXXX dispute the 4 averse accounts that are charged off. And my complaint with XXXX there are XXXX negative items their are XXXX XXXX XXXX  and XXXXXXXX XXXX and XXXX charge card. I'm disputing the negative items as fraud and and my complaint with experian is I have four negative items s there show all charged offs I'm disputing this as fraud there XXXX XXXX and XXXXXXXX XXXXXXXX .all four negative items on experian are fraud please have experian disputes items
Consumer complaint received 2023-06-29
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. (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-06-29
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. (NC)

I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXXXXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has cancelled this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( XXXX, XXXX, Experian ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 2023-06-29
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. (NY)

there are fraudulent addresses on my credit report. i tried to fix with the credit bureaus and they are refusing to remove them. my only and unique address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX i have been living there for over 5 years. any other addresses with different apartment number or without apartment number on my credit report is fraud. and i want addresses other than the one i provided to be remove immediately
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate thi account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2023-07-01
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. (PA)

CAREFULLY READ ALL ATTACHEMENTS. PROPER IDENTIFICATION IS ATTACHED. I kindly request the removal of the " collection '' status from my payment history on the accounts mentioned in my letter due to the consumer reporting agencies violating the FCRA of the United States Code.
Consumer complaint received 2023-06-29
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. (NY)

PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND CREATE FTC.
Consumer complaint received 2023-06-29
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

upon checking these accounts do not belong to me, per my consumer rights Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. Demand these accounts be removed as there has been no proof that these belong to me.
Consumer complaint received 2023-06-26
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX  Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXXXXXX Account XXXX Account name : XXXXXXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/202XXXX XXXX XXXXXXXX XX/XX/202XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-26
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. (TX)

I am the author if this complaint and while checking my credit report today I found some fraudulent, inaccurate and incomplete information. Please conduct a reasonable investigation ( 15 USC 1681a ) and DELETE these accounts from my credit report 1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX ( Original Creditor : XXXX XXXX ) 5. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 7. ( Original Creditor : XXXX XXXX ) 8. XXXX XXXX XXXXXXXX 9. XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX Late Payments ; ( update to 100 % paid on time ) 1. XXXX 2. XXXX XXXX
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account was taken over by XXXX XXXX as of XX/XX/XXXX. Capital One no longer owns this debt. As of XX/XX/XXXX this debt was paid in full and per XXXX XXXX, removed off my credit report. However Capital One is still reporting to all 3 credit reporting agencies that I owe on this debt. I need to have this removed ASAP Original letter stating they took over the debt as well as the letter  stating {$0.00} balance is attached below Thank you
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

in XXXX i ordered a purse never got it XXXX credited it i also disputed it i just spoke to XXXX they said they creidted it for XXXX still its showing on my stmt at Amex i have been a customer for years why is it there? how does it come back 4 months later and i still have no purse. please resolve this appropriately asap i am not paying for that which i did not receive.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America is not applying payments on promotional offers according to 12 CFR Part 1026 properly. Section 1026.53 Allocation of Payments, ( b ) Special Rules, ( i ) Last 2 Billing Cycles " ... except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject first to the deferred interest or similar program ... '' and ( ii ) in the manner requested by the consumer. Our dozen other major credit card providers apply payments correctly. As BofA shareholders this is concerning due to the implied exposer to potential liability for the bank.
Consumer complaint received 2023-06-26
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)

XXXX XXXX XXXX XXXX acct XXXX {$2000.00} I was never late on the loan because it was auto payment. In XXXX It shows inconsistencies between all three reports showing XXXX late payments in XXXX and XXXX late payment in XXXX. This is false and inaccurate. There's late payment in different years in each report XXXX, Experian, and XXXX and all dates are inconsistent and different. There was no late payment because I had auto payment directly from my bank for auto loan. This account has been in my credit report for over 7 years. 

XXXX  account # XXXX is inaccurate in all credit bureaus XXXX, XXXX and experian. I was on a deferred loan because I was attending college at the time. There shouldnt be no payments. In experian shows XXXX late payment on XXXX. 

XXXX XXXX XXXX account # XXXX, {$2200.00} I reported identity theft and purse stolen along with credit card which was used and should have been closed. Shows late payment XXXX, & XXXX. The card does not belong to me. This account has been in my credit report for over 7 years. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, XXXX  XXXX account # XXXX, and XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15U.S.C 1681 section 602A States I have the right to privacy.

15U.S.C 181 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account furnish an account without my written instructions.
Consumer complaint received 2023-06-28
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (GA)

My contract was up with XXXX. A deposit was paid at the beginning of the contract. Once my contract was up I called customer service and arranged to end contract. I was instructed to send in both phones and if there was any balance left over my deposit would cover it. Phones were returned so I waited 2 weeks and called back to customer service to confirm they received our phones. To my knowledge everything was fine. Later to see this on my credit report. I called back and XXXX customer service told me they are not in the same building the phone was return to so they don't know if they received the phones are not. Nothing they could do about it. This is inaccurate and fraudulent reportings.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (TX)

This company has been harassing me on and off for years now. 

I thought last year after the Texas Attorney General got involved they were going to stop but last week I received another bogus collection letter from them. 

This time they claim I owe {$16.00} for an unpaid XXXX account. 

They are very aware that I do not have an XXXX  account. They have been told this by me and the Texas Attorney Generals office yet the continue to harass me. 

The have a different account number this time which is a pretty clear indication they are violating UDAAP as well as other federal laws. 

I have attached their most recent bogus letter as well as my response to them from XX/XX/2019 and the Texas Attorney General complaint information.