davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-16
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. (FL)

To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Consumer complaint received 2017-07-16
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)

To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 15USC 1681. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A. States i have the right to Privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) sections 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 antedated the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1692c you have violated my rights by unlawful communication.
Consumer complaint received 2017-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Enterprise Systems, Inc. (FL)

Hello. I have been contacted by national enterprise System XXXX XXXX XXXX XXXX XXXX ... About XXXX private loans. One for the amount of XXXX and another one for {$5200.00}. I never agree to have private loans. I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX in XXXX XXXX.When I enrolled to this school I was informed that the school was accredited and that I could transfer my credit to other school. they said they will help with me with my job search. I remember specifically telling My recruiter XXXX that I only wanted federal loans.I never agree to have private loans and somehow they manage to include it for me. When I attended to this school I enrolled hoping that i will eventually become a professional and have a career out if this school. When i graduated and started looking for jobs I always was rejected by potential employers. I knocked so many doors but no one ever gave me an opportunity. I turned to XXXX for help and they were giving me jobs that didnt even had to do anything with what i had studied. Then i decide to continue my XXXX at another school and learnt the credit were not valid and transferable i have not been able to attend school due that i have to much debt and cant afford to continue. Currently iam not working in my field and i struggle everyday to support my family. I need help. This debt is really drowning me making me not want to live anymore. I need to dispute the validation of this debt. How can i do about that?
Consumer complaint received 2017-07-16
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: SUNTRUST BANKS, INC. (FL)

To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-16
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: PNC Bank N.A. (FL)

1.   XXXX   XXXX   2.   XXXX   3.   XXXX   4.   XXXX   5. PNC Bank 6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute an account reported on my credit file that I believe to be fraudulent due to identity theft. The details of the account in question are as follows : Account : [ XXXX XXXXXXXX XXXX XXXX XXXX ] Original Creditor : Esurance an XXXX XXXX Date Reported : XX/XX/year> Agency : XXXX XXXX Original Amount Owed : {$140.00} Balance Owed : {$140.00} I am a victim of identity theft resulting from the Equifax data breach. This account does not belong to me, and its presence on my credit report has severely impacted my ability to obtain credit. I request that you investigate this matter and remove this fraudulent account from my credit report as required under federal law. 

I believe this account violates several federal consumer laws, including but not limited to : 15 USC 1692j - Prohibition of certain deceptive practices 15 USC 1692c - Communication in connection with debt collection 15 USC 1692d - Harassment or abuse in connection with debt collection I have attached any relevant documentation to support my claim, including a police report and identity theft affidavit if applicable. Please conduct a thorough investigation and provide me with written confirmation of your findings and actions taken.
Consumer complaint received 2024-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (MD)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party. I, XXXX XXXX, consumer, natural person and original creditor of an open end credit plan was denied my right of credit by PNC BANK, PNC Bank , National Association. I was notified of this transgression of my rights, specifically 15 USC 1601- The TRUTH IN LENDING ACT, on XX/XX/year> by via U.S. mail. According to 15 USC 1602 definitions of the TRUTH IN LENDING, I as a natural person processing an open end credit plan was harmed by PNC BANK, PNC Bank , National Association, adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2a ) ( 3 ) are up to {$5000.00}, PNC BANK, PNC Bank XXXX XXXX is now civilly liable to pay me for the damages.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disagree with the account listed below which still appears on my credit report, even after Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account name Account name ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. XXXX XXXX Account Number XXXX
Consumer complaint received 2017-07-16
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: WELLS FARGO & COMPANY (FL)

1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX   7. Wells Fargo Bank 8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : MIDLAND CREDIT MANAGEMENT, {$14000.00} XXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXXXXXX XXXX {$940.00} XXXX XXXX XXXX XXXX, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

In mid  XXXX , I discovered my mortgage payment which I thought I submitted  XXXX   XXXX , 2017 via Bill Pay thru the   XXXX   XXXX   XXXX   had not gone thru. I called Seterus, Inc. On  XX/XX/XXXX  I phoned the company and spoke to  XXXX  and told them my payment had not gone thru due to my error. With  XXXX , I agreed to pay the   XXXX    payment and the late charge to total an amount of {$670.00}. He asked me to hold while he did whatever was needed to conclude the transaction. I do not remember any further conversation. and I hung up. On about  XX/XX/XXXX , I made the  XXXX  payment in the amount of {$640.00} which was to reach them by  XX/XX/XXXX . On XX/XX/XXXX , I received a letter from Seterus telling me I had a late payment. I phoned Seterus on  XX/XX/XXXX and spoke to  XXXX  who told me the   XXXX    payment was used to pay for  XXXX . I told him of the XX/XX/XXXX  transaction which he acknowledged in his record. He also told me the transaction was not completed and asked why and he said because I hung up on  XXXX . I stated that I did not hang up. I then asked why if transaction was incomplete a return phone call to me was not made. This same argument I made to a Manager,   XXXX   who said they had to charge another late charge (  XXXX  ) because these were the rules. I can not believe that if a transaction is incomplete their staff are not allowed to call the customer back. This makes no sense nor is it good business. Please look into why they have such a rule. I realize this is not a significant amount, but I believe its a rip off of folks just trying to pay their obligations. Thank you   XXXX   XXXX
Consumer complaint received 2023-03-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Alabama Housing Finance Authority (MO)

Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. I was contacted by the business in XXXX of XXXX  and told that i qualified for a modification and was told to go delinquent to continue with the modification. i was never made aware of the covid forbearance i qualified for or any of the covid assistance programs i could have used. i have attempted to speak with the business regarding this multiple times and my manager voicemails are never returned. To my understanding compliance with the CARES act would required ServiSolutions to remove the late payments from my credit report for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

Opened account with Victoria Secret in  XX/XX/XXXX .
Received first statement  XX/XX/XXXX  with late fee attached Purchase was {$130.00} added interest {$2.00} and late fee {$25.00} for a total of {$160.00} This was my first statement since the purchase. Contacted credit card company, spoke with agent who confirmed my mailing address and stated fees would be waived, but it would take a few cycles to appear on my statement. I paid the {$130.00} immediately following and did not make another purchase using that credit card. Interest and late fees then accumulated and by  XX/XX/XXXX  a statement total was {$230.00} all an accumulation of late charges and fees. Spoke with a manager who researched back on all statements. Manager stater that these fees were carried over in error. She then waived only {$100.00} in fees and asked that I make a payment of the remaining balance of {$130.00} immediately. I admit that I should have been more vigilant about checking my statements but I trusted that they were removing those fees from the first statement as promised. I now have negative late reports on my credit report that could have been avoided if they had not mishandled this credit account. I contacted them as specified by letter to work with me on the credit report and remove the late filings as these were all the result of late fees and interest on top of late fees and interest which trickled down. They would not take any action.