davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late Payment : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XX/XX/year>
Consumer complaint received 2022-10-27
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. (NC)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00}
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

dear XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account XXXX XXXXXXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only XXXX XXXX accurate credit information and to investigate any claims of inaccuracy within XXXX XXXX of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within XXXX XXXX of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite the multiple previous written requests, the unverified item 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 this item are being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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: Nelnet, Inc. (PA)

My name is XXXX XXXX am a federally protected consumer and I am making this complaint against Great Lakes for committing identity theft. I have never given Great Lakes any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9 the assignment of a default note is illegal both the assignee and the assigned are both liable for violation under 15 USC 1692 a 12. Great Lakes has committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 before which the FTC defines as debt parking. on XX/XX/XXXX and affidavit was sent to great informing them of the fraud the was committed in the allege contract. Great Lakes has sent XXXX contracts for the same alleged debt with XXXX different balances and signed XXXX  years apart. XXXX responded on XX/XX/XXXX and stated the would remove the account and reduce the balance to {$0.00}. XXXX Months later Great Lakes and the consumer reporting agencies has fail to ensure maximum possible accuracy to my report while investigating bring harm to me and my financial reputation by failure to update the XXXXnformation.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have made multiple attempts to contact XXXX, Equifax, and XXXX regarding a XXXX account that appears on my credit report. As far as I understand, the law mandates that credit reporting agenies must ensure the maximum possible accuracy when reporting information. I have informed them that I do not recognize this account as it is currently presented. What's more, the account number differs across all three credit bureaus. While XXXX and XXXX indicate that the account is in collections, Equifax states that it is 120 days late. Additionally, Equifax reports the last payment as XX/XX/XXXX, whereas XXXX and XXXX state it was in XX/XX/XXXX. I am concerned that this account may have been improperly re-aged. The accumulation of these discrepancies and my numerous attempts to reach out to the credit reporting agencies to verify, rectify, or delete this account from my credit report is deeply troubling. 

As a consumer, we have the right to dispute information that we do not recognize as well as the credit reporting agencies have the obligation to thoroughly investigate a dispute and update, correct, or remove the information.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I was offered an XXXX point welcome offer on the XXXX XXXX card from American Express on opening. Unfortunately, once I had gone through the application process, I was unable to find the details and progress toward the bonus on my online account. Upon contacting American Express, I was told to wait XXXX hours for the account opening to finalize, and finally after calling and messaging their customer service today, I was told that I was ineligible for the offer due to recent welcome offers on other cards, which is patently false as I have not recently applied for credit cards from American Express. I was also informed that I should have received a " pop-up '' notifying me that I would be ineligible for the welcome offer upon applying. However, due to a technical glitch on their website, my application froze and must have been in the step immediately before the pop-up before I could be notified of this rather important issue in my decision making process. I reloaded the webpage and began to proceed through the application again as it had not been saved, and I had at no point encountered the fabled " pop-up '' that American Express representatives insist that I must have agreed to. If I had been informed beforehand, I would not have proceeded with my credit application, as I had received a similar offer to upgrade my other cards. I suspect that American Express is not genuinely serious about offering me any further upgrade or welcome bonuses if this is the case.
Consumer complaint received 2023-12-31
Product: Credit 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: PNC Bank N.A. (NY)

I signed up for a one time credit report on XX/XX/2023 for XXXX dollar..and cancelled it a few days after because i had the option to cancel after 7 days so i would not be charged every month for {$29.00}. Well low and behold they charged my c ard for {$2900.00}. I called PNC Bank -- the issuer of the card and filed a dispute as soon as i saw my statement on XXXX XXXX 2023. 

This credit monitoring business is a scam. As soon as i saw the charge on my PNC bank card I immediately called and filed a dispute. I get a letter from XXXX XXXX dated XX/XX/2023 on behalf of XXXX XXXXXXXX XXXX. I have no idea who XXXX XXXX is but they denied my dispute, The card says PNC bank on it. 

XXXX XXXX is allowing these scam outfits to make false charges. I dont know who XXXX XXXX is or XXXX XXXXXXXX XXXX XXXX  My card that was charged was issued by PNC Bank visa.. I cancelled my card and was reissued another one.
Consumer complaint received 2024-01-01
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2024-10-23
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. (PA)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-23
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. (FL)

I am not liable for this debt of this deb of {$870.00} with XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX. I dont have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union Has fail to provide me actual proof directly from the court itself that they have verify or validated the information they have bin saying that is verify they are in direct violation of my privacy act According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification and the court also stated that The United States Bankruptcy Court does not report any Information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. So with that bin said they are in direct violation of federal laws, the privacy act
Consumer complaint received 2022-10-27
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. (PA)

In XX/XX/2022 filed disputes for accounts paid in settlement that are still showing up without an updated status. I was advised by experian that comments were added. After checking again on XXXX XXXX 2022. The accounts still show wrong info about accounts. and they will not let me dispute info. Also a wrong adress is listed that I'm not even given an option to remove it
Consumer complaint received 2024-01-01
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. (NV)

A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three TransUnion, XXXX, and XXXX are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.
Consumer complaint received 2023-12-31
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)

It has come to my attention that XXXX XXXX XXXX has reported a charged off account on my consumer report that I did not give written or authorized permission for them to report. This is illegal under 15 USC 1681 b as written consent is required to post any and all transactions to my consumer report. I'm requesting this account be removed immediately as I do not consent to the reporting of this account and continuing to do so will be construed as fraud under 12 CFR 1022.3 as this is improper use of my consumer report.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

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 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a dispute to all XXXX major reporting agencies on or around XX/XX/2023 demanding they remove this bankruptcy. 15 USC 1681 S 604 Says NOBODY can report on my consumer report without my written consent. And that I may be compensated up to {$1000.00} if they violate my rights. XXXX wrote back saying the acct was verified which is not what I had asked.
Consumer complaint received 2023-12-31
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: STL HOLDING COMPANY, LLC (MS)

I hope this letter finds you well. I am writing to bring to your attention a billing error that I recently discovered in my account with XXXX XXXX This error is in violation of several consumer protection laws, including [ 12 CFR 1026.13 ( A ) ( 1 ), 12 CFR 1002, 1002.2, 16 CFR 681.1, and 15 USC 1601 ]. 

Upon reviewing my consumer report, I noticed a transaction receipt dated XX/XX/2023, indicating a mortgage transaction that was conducted without my authority or knowledge. I have not benefited from this transaction in any way, and it should not have appeared on my account. 

Given the circumstances, I request that you rectify this billing error promptly and take the necessary steps to remove the unauthorized transaction from my account. I also remind you that under the provisions of 15 USC 1640, 15 USC 1693 ( N ), and 15 USC 1691 ( D ) ( 6 ), XXXX XXXX may be held liable for your failure to comply with legal requirements. 

I kindly request that you investigate this matter thoroughly and provide me with a detailed explanation of how this billing error occurred. Additionally, please inform me of the actions you plan to take to rectify the situation and prevent similar incidents from happening in the future. 

If necessary, I am prepared to take legal action to protect my rights and seek compensation for any damages incurred due to this billing error. However, I hope we can resolve this matter amicably and avoid any further complications. 

I look forward to receiving your prompt response within 5 days of the receipt of this letter. 
Thank you for your attention to this matter and your cooperation.
Consumer complaint received 2024-10-30
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 writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed XXXX complaints with CFPB regarding a Fraudulent charge of XXXX XXXXXXXX not made on my phone or computer, and without my knowledge or consent, but was allowed by Bank of America who did not call me to confirm if the transactions were made by me. In the past Bank of America denied a transaction to a XXXX XXXX causing me to call them to verify that it was a legitimate transaction. This time BofA failed to contact me to verify the legitimacy of the " Fraudulent '' transaction mentioned on my below mentioned complaints on : ( CFPB Complaint numbers # XXXXXXXX XXXX XXXX XXXXXXXX ) Instead Bank of America approved XXXX Fraudulent Transaction and during the CFPB investigation, BofA transferred the Fraudulent XXXX XXXX debt BofA to XXXX XXXX XXXX  XXXX XXXX XXXX. 

On XX/XX/2022, I spoke with " XXXX '' at XXXX XXXX Bank because I received several " Hang Up Calls '' from them as per Caller ID. I also received a collection letter from them date XX/XX/2022, attempting to collect the fraudulent debt BofA transferred to them during CFPB investigation as per the aforesaid complaint numbers. Please note that " I texted several messages to XXXX XXXXXXXX XXXX '' to the telephone number reflected on my " Caller ID '', to include pictures of the CFPB Complaint numbers, explaining the fraud situation asking them to cease and desists collection activities and to contact CFPB and provided your office telephone number. 

When trying to explain what occurred to XXXX, he stated that they were not Bank of America at which time I explained about the Fraudulent debt and that I texted information regarding the fraudulent charges and that they should contact BofA and CFPB to corroborate my statement. I asked him to document what was stated during our phone conversation and for XXXX to ask his management what to do about the Fraud BofA sent them. XXXX then said that he would transfer me to their fraud unit but I informed him to document our conversation and that I had already texted that information and to contact XXXX and your office ( CFPB ) and culminated contact. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX