davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-10
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX Please remove it from my credit report. XXXX This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Information on my credit report by Wells Fargo show that two ( 2 ) of my accounts are delinquent as of XX/XX/XXXX. These accounts are not delinquent and I continue to make payments on these accounts. The last payment was made in XX/XX/XXXX. 

Because these accounts show that I am delinquent, my credit to refinance a mortgage was denied and it continues to happen because of this.
Consumer complaint received 2023-06-10
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. (TX)

I am writing to request the removal of an account from my credit report with Experian and XXXX. I have recently discovered that this account has been successfully removed from my credit report with XXXX XXXX XXXX, as evidenced by the attached documentation. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/XXXX It is imperative that Experian and XXXX update my credit report accordingly to reflect this accurate information. The presence of this account on my credit report is misleading and can negatively impact my creditworthiness.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (PA)

Due to the COVID-19 pandemic, my household is affected greatly financially. I have contacted my other credit card, American Express, and they were able to offer deferment and help. I contacted my XXXX XXXX VISA which is sponsored by US Bank and they will not offer any kind of help or deferment. 
I have perfect credit and they will be reporting me and therefore causing bad credit for 7 years. I have spent 4 times speaking to different representatives And supervisors and no one is able to help me. 

There has to be a mandatory relief, deferment, hold due to my financial decline due to this pandemic. 

Please help.
Consumer complaint received 2024-11-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Pro Collect continues to harass me stating I owe them XXXX for an apartment I stayed at ( XXXX XXXX ). I have paid my debt to the XXXX XXXX XXXX. Pro collect continues to report this on my credit reports and demands I show them proof that I paid the original creditor. I have never signed a contract nor done business with procollect and do not owe them money. Pro collect is a third part collector and has no legal right to ask me for proof of business between me and XXXX ridge apartments. I have attached the email from XXXX XXXX, The apartment XXXX from where the bill was paid. Pro Collect still refuses to remove this from my report. I have tried to contact this company several times to speak about this manner, I get yelled at, threatened and hung up on.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I disputed obsolete student loans with Experian in which they ere deleted. I have attached the credit report for XX/XX/XXXX. As you can see all of the XXXX creditors had been deleted as they are obsolete and have passed statue of limitations. Experian without notice 5 months later reinserted the deleted accounts from XXXX. I discovered XXXX was reinserted 5 months later ( XX/XX/XXXX XXXX, please review credit report as it was reinserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item and you did not. I did not receive any such notification from Experian. Please delete this item immediately. Experian and XXXX is reporting information that has been falsified to keep on my credit report pass the obsolete time frame. XXXX XXXX XXXX is the same company that I previously disputed and the obsolete accounts were deleted by the name of XXXX XXXX XXXX XXXX ( XXXX XXXX  ). I have attached the letter from XXXX acknowledging that they are XXXX XXXX. Please review the credit report dated for XX/XX/XXXX and XX/XX/XXXX, it shows the original opening dates of the accounts in which the debt collector purchased ( XXXX XXXX now XXXX XXXX ) is reporting as a recent accounts which is against the law. Collection accounts must be purged from your credit reports seven years from the date of default on the original account. When a collection agency purchases a debt, they can not re-age the account to restart the clock and this is what XXXX has done. In fact, any changing of the date of first delinquency, the date of default, or the purge from date on an account would be illegal. Please review the credit reports attached. If you refer to the original creditors on the XX/XX/XXXX credit report, it shows the original creditors which were in XXXX. All of the original account dates exceed 10 years of age and exceeds statue of limitations. I am asking you to delete the accounts immediately or I will have to seek legal representation against Experian and XXXX. The original creditore was contacted and was aware I was XXXX over 10 years ago.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CARD Corporation (MI)

Up on the date XX/XX/2021 I contacted XXXX to try to confirm why my finances were suspended from me for my safety when I finally got in contact with customer service they then told me I would have to upload documents proving I was who I say I was to confirm my account suspension after uploading every document of verification that I could possibly and uploading screenshot myself personally I was told that it wasn't enough verification so I continue to call an email email and call until finally I started researching in Reading the term an agreement onto researching on the web other ways to get into my account funds that research led me to emailing you guys for help to free up how to get unsuspended to me almost XXXX XXXX to be exact XXXX XXXX in something around about that amount
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, and its reporting to XXXX Credit Bureau XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late.

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. 

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXX of Inquiry : XX/XX/ Please remove it from my credit report. 2 This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My consumer Id XXXX A XXXX XXXXXXXX credit card fraud I was impacted by the XXXX breach and also I been a victim of identifying theft from XXXX to XXXX my identity was stolen and was to open XXXX bank accounts and checking writing as well So I find out around XXXX that my identity was been used to open all kind of accounts and that my ssn was in the XXXX breach so I put an credit lock on all my credit reports agents. But before the credit lock I spent a lot of money tryna to fix my credit report from fraud and still Wasnt able to fix my credit report and. The person which is using my identity has about of inquires on my XXXX  and consumer report that I will like to dispute all inquires on my report and in will like all this credit accounts that on my credit report to be removed please and I will like also to dispute my XXXX report since its do to fraud so I can be able to open an checking account If the future this my name XXXX XXXX XXXX XXXX can be reach at XXXX cell. XXXX cell Email XXXX. XXXX XXXX
Consumer complaint received 2024-10-27
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. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-06-10
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. (IN)

I have disputed this account numerous times, this account was removed in XXXX after an investigation and has recently been re-added to my credit report causing a low credit score. I do not recognize how this account is reporting on my credit report I do not recognize the account status, high balance, or the payments associated with this account. I need to have this removed because it is affecting my Credit score so that I can purchase new vehicle for transportation so that I am able to provide for my family
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance CAS, LLC (FL)

Collection Company : Alliance XXXX, XXXX, FL In XX/XX/XXXX there was a debt collected which I did not dispute and pais in full. I Noted that the address the originating HOA had on file was incorrect and gave correct address as well as permission to coordinate payment with my property manager. Neither happened. The HOA still has and address I have not lived in since XXXX, and collection company has that address and addresses I have never lived on file. A new account was sent to the same collections in XX/XX/XXXX. Collections did not email me until XX/XX/XXXX, and added around {$2000.00} in fees since then. HOA has also sent emails showing both companies had a way to reach me and chose not to do so. Collection company also noticed " duplicate charges '' on the original balance sheet, further highlighting incompetence. I should not be penalized upwards to {$2000.00} because both companies, especially collections, did not do their due dillegence to contact me. Especially because collection companies are notorious for excessive phone calls/contact, it seems this was a tactic to let the fees stack up before reaching out. 

When explaining what had happened, collections responded with " it is the responsibility of the homeowner to pay their debts '', I asked how am I supposed to pay when I received nothing about what I am paying, who I am paying and where to pay it, the representative interrupted me saying that if I continue to be angry she is going to hang up on me. When I asked " you are going to hang up on me while I am explaining that you are ignoring everything I am saying? ", again she interrupted, said " yes '', and hung up.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Accounts has violated my rights. 

Pursuant to 18 U.S.C. 8, I owe no debt, this company is violating my consumer right to privacy pursua to 15 usc 1681 b 2 Company has also no permission to report anything using my info pursuant to 15 usc 1681 4 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

Between the time of XX/XX/XXXX and XX/XX/XXXX my mortgage was sold to another company ( XXXX sold to PennyMac ). During this same period I was in the hospital with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( due to damage from XXXX treatment ). I was XXXX XXXX XXXX XXXX XXXXXXXX transplant and in and out of consciousness. During this time my wife began taking over all bills and gaining power of attorney. Unbeknownst to her as well; was the fact that the mortgage had been sold. At some point in XXXX she realized she had not received a statement/bill. She called XXXX XXXX XXXX and found it had been sold to PennyMac. She called PennyMac and found our mortgage was in arrears because the bills had been sent to the wrong address ( not our address of XXXX years but the address of the new mortgage where she was not residing. ) She immediately contacted our XXXX XXXX XXXX XXXX and XXXX XXXX at ( XXXX XXXX ) and initiated a wire transfer to put the account up to date, at the same time spending at least XXXX hours on XXXX different days Between XXXX XXXX on the phone with a gentleman named XXXX from PennyMac who was initiating foreclosure. I continuously asked him to look at the wire transfer number and he made no attempt. Finally, I asked him to allow a XXXX way conference call with our advisor ( XXXX XXXX ) from XXXX XXXX, and when the finance XXXX asked him to look at the transfer number, he found the XXXX had been put into the wrong account. They finally corrected the matter a few days later. Since then ( over a year and a half ) we have received calls daily from debt relief robo calls, and they do not stop, even though we are actually ahead on our payments by several months. We have called several times including today ( XX/XX/XXXX ). and asked that they update/correct the information on the credit report and they said they would have to send it to their research department and they would not update it. This is affecting our credit score. We would just like them to update and correct the information they have.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit report and realized that there were a number of inaccuracies in it. I noticed that I had several misspelled names, previous addresses that do not correspond to my current address and that has caused me problems in obtaining and building credit. The bureau that is presenting this is XXXX. Attached is more information These are the misspelled names that this bureau presents in the report XXXX XXXX XXXX XXXX XXXX XXXX And these are the addresses that do not correspond to where I live at the moment XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-10
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. (FL)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 XXXX 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.