davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (IN)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free Lawyer Guy. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.

Also I sent this same letter out to all 3 bureaus with no response on XX/XX/2022 XXXX
Consumer complaint received 2022-06-25
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (CA)

I am writing to express my concerns about conflicting information I received regarding my mortgage payment. My monthly mortgage payment, as of XX/XX/year>, is {$5600.00} after the addition of escrow for homeowners insurance, as per a statement sent by Truist. 

However, after making my XX/XX/year> payment of {$5300.00} on XX/XX/year>, I received a notice that indicated my payment was {$5600.00} and that I had underpaid by {$0.00}. This is confusing and seems to conflict with the initial notice that stated the change would take effect starting XX/XX/year>. 

When I contacted Truist 's customer service department to clarify the issue, I was informed that the notice was an error and that I should " ignore it. '' While I appreciate the response, it did not provide sufficient clarity or confidence, especially given the importance of accurate financial records and the anxiety caused by escrow-related changes. Additionally, no explanation or apology was given for the error or assurance that the issue would not affect other customers.

As a responsible consumer, I rely on accurate and clear communication from my mortgage provider. I respectfully request the following : 1. A written explanation of why this notice was sent and what caused the discrepancy.

2. Confirmation that my payment record is accurate and that no further issues will arise from this incident.

3. A description of any steps Truist is taking to prevent this issue from affecting me or other customers in the future.

This experience has been time-consuming and frustrating, and I believe its important that any erroneous notices are accompanied by an apology and a plan to resolve the underlying cause of the mistake.
Consumer complaint received 2024-12-11
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: PatientFi, LLC (OR)

A derogatory rating on my account has already caused tangible financial damage, including a denied loan application and increased interest rates on existing credit accounts. This negative rating has inflicted significant financial and emotional distress, threatening my economic stability and future opportunities.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX Account numberXXXX XX/XX/XXXX Price : {$150.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX, XXXX Collection account. {$3700.00} past due as of XXXX XXXX XXXX Balance {$3700.00} Fraudulent Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting the immediate removal of this inaccurate information. There are multiple inaccuracies associated with this account
Consumer complaint received 2022-10-22
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. (TN)

I had found a FTC report more than 60 days ago addressing not only unauthorized inquiries but also increase made from me being a victim of identity theft and I was trying to obtain Credit in my name there are 11 hard inquiries that are not reporting 100 % accurately because I never gave my written consent under Section 609 it says I'm entitled to All Sorts documentation including contractual agreements with my signature to prove that it was in fact me who applied for this credit which has yet to be provided to me in the past 90 days while I've been trying to handle this and I've done it by the book between fgc reports and riding letters listing the law violations along with only asking what the law provides by them sending me contractual agreements to prove that it was me who tried to obtain credit none of this has been provided to me and it violates the fcra and I would like these inquiries deleted because they should not be on my credit report without my authorization for others to look in to my credit also violates permissible purposes since I've never said that this was okay
Consumer complaint received 2024-12-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

The debt was added to my credit report without proper notification. I previously disputed it with PROCOLLECT, requesting itemized charges, receipts, and photos to justify the debt. They responded with irrelevant lease documents that did not explain the charges or support their claim, wasting time. I am not legally responsible for this debt, as I never signed key lease sections or agreed to these obligations. XXXX, the primary leaseholder, also failed to notify me. I am concerned PROCOLLECT may repeat these stalling tactics again by resending irrelevant or incomplete documents. Please remove this inaccurate debt from my credit report. 

XXXX XXXX XXXX PROCOLLECT  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

THESE COMPANIES KEEP LETTING PEOPLE PULL MY CREDIT, 24 INQUIRIES? WHO DOES THAT? IVE CALLED THEM TIME AND TIME AGAIN THEY WONT REMOVE THEM 24inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlock
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I believe I am a victim of a data breach, security freeze malfunction, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed from Equifax ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT XXXX : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report that I believe are the result of identity theft following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following fraudulent accounts and inquiries : Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  o Date Opened : XXXX o Current Balance : {$2200.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Current Balance : {$680.00} Inquiries to Be Blocked and Deleted XXXX XXXX XXXX ( Date : XXXX ) XXXX. XXXX XXXX  ( Date : XXXX ) XXXX. XXXX XXXX  ( Date : XXXX )
Consumer complaint received 2024-10-31
Product: Credit reporting 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. (FL)

in XXXX and early XXXX, My credit score was XXXX. Without any warning, my score dropped to XXXX, again leaving me with no ability to purchase real property or make request any significant financial assistance for future property purchases. It takes years to build a decent score for those of us who do not cheat the system.
Consumer complaint received 2022-10-22
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$220.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Date of request : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of request : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request : XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (NJ)

I sent them the below letter because I want them to validate my debt.

To Whom It May Concern : I am writing in response to a notice I received regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including any information and documentation that substantiates your claim.

Please provide me with : 1. The name of the original creditor and details of the debt, including when it was incurred.

2. A detailed breakdown of any fees or interest that have been added to the original balance.

3. Copies of all documents showing that I agreed to pay what you claim I owe.

4. Verification of your authority to collect on this debt, including a copy of your license to collect debt in my state, if applicable.

Please treat this letter as a formal dispute of this alleged debt until you provide proper validation. Per FDCPA guidelines, I request that you cease all collection activities until this information is provided.

Thank you for your attention to this matter. I look forward to receiving your response.

Sincerely,
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

I purchased a phone and laptop from the XXXX XXXX, they advertised no interest if the balance was paid in a certain number of months. To meet this requirement, I have tried to make payments exceeding the minimum amount due. Apple makes it exceedingly difficult to do so. I follow the online instructions, but the system stops at a point prior to completing the transaction. I have complained to Apple, their response id to resend the instructions that do not work. I fear they are delaying payment, so they can start charging interest.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed in my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my rights as an identity theft victim to have the following fraudulent accounts removed from my credit file.

The accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-22
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: Experian Information Solutions Inc. (CT)

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2018 Balance {$4200.00}
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (UNITED STATES MINOR OUTLYING ISLANDS)

All my school loans were discharged for attending the XXXX XXXX XXXX XXXX XXXX based on the years of which I attended in 2008 due to fraud conducted by the XXXX XXXX XXXX XXXX. Despite this conclusion XXXX XXXX has tampered with my credit score and is billing me.