davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint- TransUnion XXXX XXXX and XXXX- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( 2017 and this year. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from TransUnion, Experian or Equifax that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX $ XXXX TransUnion XXXX  XXXX XXXX XXXX XXXX TransUnion TeXXXX  XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX - $ XXXX TransUnion XXXX XXXX XXXX XXXX $ XXXX TransUnion 3 . XXXX XXXXXXXX XXXX - $ XXXX ExXXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian Ad XXXX XXXX XXXX XXXX XXXX XXXX Experian If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!
Consumer complaint received 2018-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I got a loan for XXXX $ from XXXX XXXX for one year. I paid in full and receive a confirmation letter and payment history from them, because I have to report the lease to the credit bureaus myself. The company will not and does not report to any bureau. I called the bureaus that I have and they can not expect any report of my lease only threw the company. I am stuck please help me put my leasing to the credit bureau.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. 

I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my credit report. Also, my real name is XXXX XXXX XXXX I need Equifax, XXXX, and XXXX  to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and Part XXXX  of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, Equifax, XXXX, and XXXX  can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX 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 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I noticed a collections on my credit report. I contacted the collection agency, Portfolio Recovery Associates, by sending a letter that they received on XX/XX/2018 asking for validation of the debt. Two weeks or so later, the collection was removed from my credit score and my scored is raised significantly ( obviously ) Didnt hear back from the company. Jump to one week ago, receive a letter in the mail from PRA giving general information but not validating the debt. Although it does say that the statue of limitations has expired and I cant be sued for this debt. The letter was dated XX/XX/XXXX but I didnt receive it until XX/XX/XXXX. The collection was then put BACK on my credit score causing it to plummet over XXXX  points. This greatly affected my personal life. They also sent me a second letter with payment options even though I have no claimed any responsibility for this debt as they have yet to validate it. Last weekend the collections was taken off my credit score AGAIN, but my score only raised about XXXX points.
Consumer complaint received 2018-10-01
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: BB&T CORPORATION (FL)

I have tried to correct this. I have received SEVERAL calls from XXXX XXXX regarding this matter and STILL not resolution. ACTUALLY it is now WORSE. Spoke to someone Friday, they told me to dispute, spoke to another person the same day told me NOT to dispute that it would correct over the weekend feed? NOW today someone else calls from XXXX with no obvious knowledge of ANY calls and tells me it is ok now.? Well it is NOT, it is NOW worse. AND STILL SHOWS A BALANCE? What is going on here. Now it shows REPOSSESSION??? which was NOT there before ONLY XXXX   is showing this. I called them again today and they said XXXX sent them the information? And still a XXXX balance on my report. this has NOW cost me on my new car loan {$60.00} more per month because of this error/ Multiply that by 72 months ... .MORE THAN THE ORIGINAL AMOUNT EVEN OWED. Tired of the runaround and the false promises. I have tried to call XXXX ... 7 times today ... and have gotten NO WHERE. i want this resolved NOW ... .do i need to get legal representation to resolve this?? I want a CALL TODAY by XXXX.
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Re : Letter of Dispute and Error Notice Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I received a Notice of Intent to Accelerate : I am disputing this notice in its entirety. Some of the notice is in XXXX which dont understand XXXX, which erroneously says we are in default for the months XXXX and XX/XX/XXXX. We are also mortgage evaluations sent while on disaster programs. 

Please be aware, that on about XX/XX/XXXX, I contacted Bank of America regarding the Federal Disaster Relief Program Due to Fires in XXXX  CA. The Representative verified my home was located in the Designated Area and made me aware we qualified for a 3 month Payment Holiday. I was informed that I could skip 3 payments and the 3 payments would be placed on the back of the Loan. with no penalties or Late Charges. Please listen to the tape of the original recorded phone conversation to your Customer Service or the subsequent calls to your office. I relied on statements and agreement made with an official Bank of America Representative. Now I am being told that we are 2 payments behind, which would create a hardship and not possible. I was current and have made every payment since resuming payments and actually ahead one month when I make payment this month. ( XX/XX/XXXX ) I lived up to my end of the agreement. Please correct this error and keep your promise. 

I am requesting a correction so you dont erroneously foreclose on us again, as you did in XXXX. BOA still took two years to issue us a Modification ( XXXX ) where we still have not been made whole from that grave error by BOA. BOA had to return funds to the Trustee Sale buyer who was trying to evict us during the holidays ( XXXX ). BOA finally issued a formal rescission in our favor Thank God! Please send : 1. Loan History since inception of Loan. 
2. Transcripts of the Phone conversation from XXXX XXXX XXXX on around XX/XX/XXXX to present. 
Re : Federal Disaster Program and payment XXXX. 
3. Letter regarding Expiration of fire disaster program Respectfully, XXXX XXXX XXXX.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PNC Bank N.A. (IN)

I visited XXXX XXXX, XXXX XXXX on XX/XX/XXXX-XX/XX/2018. On XX/XX/2018 my account info was hacked/stolen. I wasn't aware until my return on XX/XX/XXXX that my PNC account was compromised. I contacted the bank, that day, filed a claim, and requested a new card. I contacted PNC again on XX/XX/2018, because 1. I have heard nothing else about my claim 2. I have not received my new card. 

It was then that I was advised by the claim specialist that my file was closed because it has been determined that I was responsible for the charges. When I asked the person how that determination was made, I was advised that because I purchased a plane ticket to XXXX XXXX prior to this incident, and the card was present, I was responsible. I advised the rep that I travel all of the time, this has never happened, and as they can see these transactions ( 2 separate ) are not normal for me, and that the 2 transactions, same day, same location for {$26.00} and then {$870.00} should have been a red flag. I offered to provide documentation from other card providers who sent a tex/email then declined charges once unable to verify. The end resolution was the rep advising me to open a new claim-and wait another 10 days.
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I'm having a financial hardship and I have been unable to pay the loan. I'm getting harrassing calls to myself and family threatening an attorney action if I don't pay off the loan. I told the debt collector I didn't have the funds to make the past due amount. He said what about your check i said I paid rent am I supposed to pay the loan and not have a house to. Live in he responded yes. I'm tired of this man harrassing my family and myself by being abrasive and rude over the phone. He keeps threatening legal action unless I make the minimum payment even went as far as calling me a criminal for defaulting on the loan. I'm tired of it!
Consumer complaint received 2024-10-04
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. (FL)

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has severely impacted my life, causing significant stress and XXXX. I must emphasize once again that I did not authorize or consent to the inclusion of this information, as I have been a victim of identity theft.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

On Monday XXXX around XXXX I received a call from XXXX at HSBC Fraud Protection that a credit card application had been opened in my name and that the card was being suspended for use until I returned the call. The number I was suppose to call was XXXX and my reference number was XXXX. I attempted to call back that afternoon, and was on hold for 30 minutes when I had to end the call. The next day in the morning I called the number again and was on hold for 2 hours and after 2 hours the call just ended. Today, a week later, I tried again and was on hold for 2 hours and then my call was abruptly ended. I tried to find an online way to resolve this item without success.

I think HSBC should be held to a higher standard that this level of participation in the financial services industry.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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.

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. 

XXXX XXXX XXXXA never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Since XX/XX/XXXX after settling this account with XXXX, I have asked that the account information be corrected. The original lease amount is not the amount that is being reported. However my issue is that after disputing the account in XX/XX/XXXX. Experian has updated the account with a new closing date which is inaccurate. The account now shows it was in charge 30 days late, 60 days late collection and then charge off status. It went into good standing from XXXX then closed. This is factually incorrect and a violation of my rights. I called XXXX XXXX  in XXXX to request a goodwill removal of the 30 and 60 day lates. I was told that since the account was closed in XX/XX/XXXX only Experian can update the account. Only for them to update and inaccurately report a new status if Closed as if XX/XX/XXXX. 

I am requesting a new investigation of this account and to be updated or deleted due to numerous inaccuracies.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-04
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. (TX)

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-04
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the items, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (MI)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-04
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)

I am writing to address inaccuracies and incomplete information on my credit report that require your attention. I am disputing these accounts because your agency has not provided sufficient information to verify the debt. Experian and XXXX have already corrected these inaccuracy in their records due to an identified error. I am confused as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts on my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX