davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I am writing to formally dispute the inaccurate XXXX information that is currently listed on my credit report. The XXXXXXXX XXXX number XXXX, dated XX/XX/2022, is incorrectly associated with my credit file. Upon further investigation, I have found that this XXXX XXXX pertains to an individual with a name similar to mine, but it does not reflect any financial proceedings related to me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. Under Section 611 of the FCRA, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I am exercising this right to request that you immediately investigate this matter and remove the incorrect XXXX information from my credit report. 

Attached to this letter, you will find supporting documentation, including proof of my identity and any relevant details to assist in your investigation. I kindly request that you notify me in writing of the results of your investigation, as required by law, and provide me with an updated copy of my credit report once the inaccurate information has been corrected. 

I appreciate your prompt attention to this matter and expect the error to be corrected within the 30-day timeframe stipulated by the FCRA. If you require any additional information from me to complete your investigation, please do not hesitate to contact me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (IL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX Personal Info : Employers : XXXXXXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXXXXXX XXXX
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-07-25
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)

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : - **Account Name : [ XXXX  XXXX ] ** Account Number : [ XXXX ] The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : XXXX. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes. 
XXXX. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
Given these violations, I am requesting that [ XXXX  XXXX ] immediately cease reporting the inaccurate information and delete the account from my credit report. Please send me a written confirmation of the deletion within XXXX  days of receiving this letter. 
I am writing to formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
This is my XXXX  attempt which you have ignored my first request sent on XX/XX/24. I sent a request stating that there are inaccuracies and I wanted those addressed. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Consumer complaint received 2024-07-25
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. (FL)

I recently review a copy of my credit report and noticed a fraudulent from ( XXXX XXXX XXXX XXXX  ) on my report I don't know what this fraudulent account is and it t need to be remove from my report because it's hurting my personal finance.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-10-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (TN)

XX/XX/XXXX, I was dis satisfied with rate change by XXXX XXXX because I've been a customer for over since XXXX, My bill increase and when I called to dispute the charges I was given 3 different solutions to my problems, bill adjustments should have been made and 3 different supervisors gave me different solutions and because the final supervisor said i was given the wrong answers, I decided to cancel service and told to return all the necessary equipment and that ended a long time customer. My. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. I have copies of the returned equipment receipt and the shipping confirmation from the XXXX store. The return reference number XXXX XX/XX/XXXX. One supervisor saw my previous contacts and told me that the supervisor that previously noted my calls, did not review the previous charges to my account and that i should not have been charged and i should be credited, I was offered a settlement to bring my account current by email notifications and when i called to confirmed i was told that the email was auto generated and i should not have been offered a settlement, The next supervisor said that the previous supervisor should not have given me the offer, thus why i cancelled after 25 years, I still have cell phone and internet service with XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WY)

I sent a formal dispute to Midland Credit Management requesting that they validate the debt of {$1000.00} does belong to me. I sent this letter to Midland Credit Management on XX/XX/2024. I sent this letter certified US Postal Service and got verification that they received my letter on XX/XX/2024. I then gave them 30 Business days as the letter outlined to respond, they did not. On XX/XX/2024 I submitted a dispute with XXXX on this debt. XXXX  report came back claiming that everything meets fair credit reporting act.
Consumer complaint received 2021-02-15
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: National Credit Adjusters, LLC (IN)

There is an account reporting with National Credit Adjustments for some type of payday loan. This is not mine it's showing that it opened in XXXX XXXX and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on XXXX.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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)

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

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

I demand the late payment reported to be removed.

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 XXXX, XXXX, AND XXXX 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 1002 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-17
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 was completely taken aback when I saw inaccurate accounts on my credit report this morning, and Im utterly confused about how this happened. I check my credit report regularly, but this time I found discrepancies that appeared out of nowhere. I even tried refreshing the page, thinking it might just be a browser glitch, but the errors stayed put. Because of this disturbing issue, Im asking that the documents Ive sent be thoroughly reviewed, so I can stop worrying about this ever happening again.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IN)

Issue Deposit was {$780.00} Amount credited {$280.00} Short {$500.00} I brought this to the branchs attention today XX/XX/16 @ XXXX ( XXXX XXXX think she is assistant manager ) and was told it would take up to 5 days. I told her that was not acceptable. A us postal order is covered by reg cc
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

Dear XXXX, I am writing to formally dispute the inclusion of a collections account on my consumer report, which I believe to be illegal under the Uniform Commercial Code ( UCC ). I request that you immediately remove this account from my consumer report and cease any further reporting of this account to credit reporting agencies that was displayed with the date of XX/XX/2023. 

I have reviewed the UCC codes applicable to collections accounts and have identified several violations that render the reporting of this account illegal. Specifically, the following XXXX codes apply : 1. UCC 9-609 : Right to Take Possession ; Proceeds ; Supporting Obligations ; Obligations of Secured Party .

According to UCC 9-609, a secured party may take possession of collateral after default by the debtor. However, in the case of the collections account in question, I have not provided any collateral or engaged in any transaction that would allow the creditor to possess any assets as security. Therefore, the inclusion of this account on my consumer report is in direct violation of UCC 9-609.

2. UCC 9-610 : Disposition of Collateral After Default ; Effect of Disposition ; Liability for Deficiency and Right to Surplus.

UCC 9-610 outlines the procedures that must be followed by a secured party in disposing of collateral after default. I have not received any notice of the disposition of collateral as required by this section. Therefore, the reporting of this collections account without proper adherence to UCC 9-610 is a violation of my rights under the UCC.

3. UCC 1-103 : Supplementary General Principles of Law Applicable.

UCC 1-103 provides that the UCC must be liberally construed and applied to promote its underlying purposes and policies. In the case of the collections account being reported, the inclusion of this account on my consumer report does not serve the underlying purposes and policies of the UCC, as it is based on an alleged debt that is unsubstantiated and disputed by me. Therefore, the reporting of this account violates the principles set forth in UCC 1-103.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (AZ)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I recently discovered these XXXX parked debts account ( which show no account numbers ) on XXXX, XXXX and XXXX stating that they are with Portfolio with XXXX as an Original Creditor. NOTE This is your only opportunity to have that information removed and blocked. I was not previously given an opportunity to dispute these alleged debts. However I do know that failure to dispute does not constitute a admission of liability by me according to the law which you have violated by putting these alleged debt on my credit profile and i feel like im being extorted into paying something. I believe these accounts to be inaccurate and falsified. These must be unauthorized charges using my social and you are posting this stuff on my credit profile. I have no intention on paying these alleged debts that have not been verified with me that they are my responsibility. Under XXXX you are supposed to have my consent to share my private financial information with XXXX parties and I DO NOT CONSENT TO THIS by your company. I am not aware that i have any contracts with you. This is considered unauthorized use of credit which i received no benefit from. This is also a direct violation of TILA / FDCPA and is considered harassment and furnishing false and misleading information to XXXX parties AND its being done without my consent to do so. Please do understand that this is a refusal to pay and a cease and desist of collection notice for any efforts thru any medium including credit reporting and unfounded litigation, unless you can provide ALL of the following items so that i may verify responsibility of these debts. XXXX. Please provide the XXXX form that was used to verify authorization to open an account by PORTFOLIO AND the original creditor XXXX. Please provide all correspondence records for the accounts. XXXX. Please provide the applications with the original creditor that verifies these accounts as belonging to me. XXXX. Please provide any other documents provided by the original creditor that verifies the accounts belongs to me. XXXX. Please provide verification of whether or not these accounts were assigned or purchased by your company. XXXX. Provide the Regulation F Disclosures. XXXX. Provide the XXXX XXXX for these accounts so that I XXXX verify the creditor/credits/debtor/debts on the account. I need all of the above in order to do my due diligence on these matters. Please do note that i am prepared to take this to court if you continue to violate me under TILA and FDCPA and your company already has been in trouble for these violations and unfair practices multiple times with CFPB and FTC. Please note that given the urgency of this matter due to your pending suit that i was notified of, I expect response in a reasonable time frame which would be XXXX business days.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.