davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc. (MA)

There was never any attempt to contact me or inform me of this supposed debt. Debt collector did not provide a valid phone number for me to contact them. It just showed up on my credit report. The recovery agency alleges I owe {$950.00} to  XXXX   XXXX  from  XXXX  of last year, but I have had  XXXX  Fios for the past 4 years. I tried to call the number provided, but it does not ring or even connect. So I am unable to contact them.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (TX)

Per the Fair Credit Reporting Act, I am AGAIN disputing the following information that DOES NOT appear on my Experian consumer report : XXXX XXXX XXXX XXXX lending account number XXXX This account is not being reported on my Experian credit file The account was opened XX/XX/XXXX For the past two years I have tried in vain to get Experian to verify and report my XXXX XXXX mortgage payment history of over 13 years. I have had the XXXX XXXX mortgage since XXXX with an excellent payment history. I have repeatedly sent documentation from XXXX XXXX showing they are reporting to Experian yet no matter what proof I send, Experian still refuses to report my mortgage history. I previously filed a complaint with the consumer financial protection bureau and XXXX XXXX responded stating they don't allow personal reporting to credit files. This made no sense as I was not attempting to personally report but trying to get Experian to verify my XXXX XXXX account and actually report it as they should. I even hired a credit consulting firm who tried in vain for a year to get Experian to report but still nothing. 
On XX/XX/XXXX I sent several documents to Experian proving my XXXX XXXX mortgage history and I have received no response back. I am NOT attempting to personally report my mortgage history, but am trying to get Experian to verify and report it based on ALL the many documents I have provided proving my mortgage history. XXXX and XXXX XXXX both report my mortgage history. 
This error of not reporting my mortgage account kas kept my FICO score at least XXXX points lower than XXXX XXXX and XXXX. I was turned down for a loan due to insufficient credit history on my Experian report.
Consumer complaint received 2024-10-03
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Experian Information Solutions Inc. (TX)

Experian Violated the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

15 U.S.C 609 CRA verified the accurate of information provides by the creditor Pelican State Credit 173031 Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - The accounts shall be removed/deleted immediately until they receive my written instructions.

Pel
Consumer complaint received 2024-10-03
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CA)

I was a XXXX  XXXX customer. I became a XXXX XXXX customer for it's excellent software that helped me budget and plan my finances. XXXX  XXXX was sold to BBVA, whose software was okay but lost many features that made me a customer XXXX  XXXX. That same year, BBVA was sold to mega bank PNC. 

PNC 's software is aggressively difficult to use, getting anything done is a slog through a nest of ads, misdirections and counter-intuitive dark patterns. 

Now I haven't been allowed to log into their banking site for a week. 

I did not ask to be a customer of this bank, and now I can not even access my bank account. 

The fact that PNC was allowed to get as big as it did is a testament to the open corruption of this country -- I really am curious how much the bribe to XXXX XXXX XXXX ( I guess we call it a " gratuity '' these days ) from XXXX XXXX was. 

If bribes ( " gratuities '' ) weren't now legal in this country I would say there should be an investigation between XXXX XXXX and XXXX, but the collaboration, conflict of interest and corruption are flagrant and open.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
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)

Account is reporting as revolving account is closed, Report is also reporting a balance but it was reported as a loss by the grantor the last active dates are inaccurate and the bureaus are not reporting the same
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank is playing a dangerous game, I have {$7.00} in my checking and {$5.00} my savings account, I went and put {$40.00} in my checking to buy my XXXX XXXX XXXX, Truist took {$10.00} from the checking after I put the {$40.00} in, they then act as if they had drawn the {$10.00} before I put the {$40.00} in. Now they took {$36.00} from the {$40.00}, because they said I only had {$7.00} in the account so an overdraft fee of {$36.00} + $ XXXX {$46.00}, and now my account is- {$46.00}, I'm no math 's genius but it's not adding up, they been doing it for years, and they always say it's a computer Erro, now they won't give my money back, I'm sure we all need money, but not like that, it's not like I have millions and they take a {$100.00} every now and then, we are just trying to feed our families.
Consumer complaint received 2024-09-29
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. (AL)

This account belongs to the head signer. The car was sold or auctioned off no information was sent of what it was sold for. Some information you have on this report is inaccurate also some of my personal information is not correct. Also I have been a victim of identity theft fraud my social security number has been exposed Ive receive several notices of that. Also my name is a commonly used and has been found on accounts that are not mine.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NE)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I

n 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. 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 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NC)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: EQUIFAX, INC. (NY)

Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. 
Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines.
Consumer complaint received 2024-08-21
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. (IL)

After researching my report, I discovered multiple discrepancies with how the credit reporting agencies are reporting the following accounts without my written consent and authorization in accordance to the practices outlined in the Fair Credit Reporting Act. 

As such, I would like to file a complaint that the credit reporting agency is in violation of the Codes 15USC 1681 - Section 602A, 604A section 2, 1681c ( a ) ( 5 ) and 1681s-2 ( a ) ( 1 ) in the reporting of the following accounts on my credit file : Account # XXXX - XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. 
The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Consumer complaint received 2017-08-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC (DE)

This entire process with XXXX XXXX started XXXXPresent I was issued a mortgage commitment on a home that I ended up not moving in to due to a bad septic system. XXXX XXXX told me that everything was okay that I just needed to find another home. Upon doing so and spending even more money to complete the process on the day I was supposed to get the new mortgage commitment XXXX XXXX has now stated that there 's a problem with my loan and he could not issue me the commitment. Which I do n't understand since nothing on my side has changed. I am a single mom of XXXX children and we are homeless. I am staying from place to place and living out of my XXXX  XXXX XXXX blames this entire situation on the seller 's agent XXXX XXXX insisting that since she was pushing to get this deal closed for her clients she brought a lot of attention to my file which cause the hire ups to go through my file and flag it. And also due to the original underwriter quitting and a new underwriter was working on my file. From the very first conversation XXXX XXXX had always assured me that he would be able to get me approved he just needed the right strategy. I believed and trusted him so much that I moved out of my home with my children. Placed all of our belongings in storage and now we have nothing. I have spent well over {$7000.00} in this entire process. I have all the correspondence and XXXX preapporvals and a mortgage commitment doc issued by XXXX XXXX. Please contact me in regards to this matter. So much has transpired and I now have no money, nowhere to live, and no idea what to do. XXXX is starting in XXXX weeks and I do n't even had an address to use so that I can register my children for school. Completely Devastated.