davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Penn Credit Corporation (FL)

I dont know but I see PENN CREDIT CORPORATION on my credit report and I still see it so I know it should have been removed since XX/XX/year>. But it hasnt and this has become a problem for me when I have my credit report pulled when looking at apartments it has cost me a lot of lost with paying for application fees. I would like it removed with the rest of the one s I have already disputed
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  Account number : XXXX Balance : {$360.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX  - XXXX Collection {$290.00} I am filing this complaint because I have noticed a collection account on my credit reports that I do not recognize or have any knowledge of. The account is inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of this erroneous account, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust.
Consumer complaint received 2024-09-06
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. (OH)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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.
Consumer complaint received 2023-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

I received a letter from Credit Management LP on XX/XX/23 stating I owed money to XXXX XXXX XXXX. at XXXX XXXX XXXX in the amounts of {$410.00} and {$470.00}. I believe these charges are erroneous and fraudulent. I wrote back to the Credit Management LP asking them to provide evidence of the charges including the service and date. They wrote a letter back without providing any evidence other than stating XXXX XXXX XXXX. is trying to collect a debt.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc (CA)

As a nurse I am required to have a clear background check and I have. A company called Checkr is being used by my new employer XXXX. Upon receiving my results I observed a notification that was sent to my employer for special attention a XXXX level XXXX attached to someone elses name. Although the company has my correct social security number and my correct nursing license number, they have somehow attached someone elses name and background. Although I have attempted to have the situation corrected I was informed that they will investigate and if needed correction are only undated every 30 days. This error which is most definitely not at all attached to me has caused my company to not allow me the ability to work and make money to feed my kids or pay my bills.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

Account Name : XXXX account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX account XXXX XXXXXXXX Account Name : XXXX account XXXX XXXXXXXX Account Name : XXXX XXXX account XXXX XXXXXXXX Account Name : XXXX XXXX account XXXX XXXXXXXX Account Name : XXXX account XXXX XXXXXXXX 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, 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 accurate.
Consumer complaint received 2024-09-16
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. (OH)

I HAVE FILED A COMPLANT BEFORE WITH NO RESPONE BACK currentlydemonstrated in the above-mentioned report andbeing seemingly deficientofcertainty of facts, with concerns to the adequately certifiablereportingprocess ( es ) and or format ( s ), it can NOT be assumed your claims are withintheminimal criteria forlawful and or ethical reporting, even should collection rightsbeunaffected, if evenapplies. In appreciation of the sufficient reporting safeguards, the belownotedclaim ( s ) divulged versus me are contested as not being of a sureconfirmation offactsand truth much less being certifiable in its essential compliantreportingprocess ( es ) and orthe mandatory Metro 2 format reporting. Being divergentof theexpected reporting caliber, the below contested reputed claims probity each isin astate of peril due to multipleaspects of ailment as indicated beneath, effacefromreporting ALL ASPECTS OF NEGATIVITY immediately and permanently. Inaccordancewith the Fair Credit Reporting ActSection 611 ( 15 U.S.C. 1681I ) and theunderstood STANDARDS of acceptable lawfulCOMPLIANT REPORTING STANDARDSsuch as theMETRO 2 Five Points of Compliance andother potentially applicablestandards andor regulatory engrossments of reporting I amrendering this officiallywrit consumerCHECK OF COMPLIANT REPORTING andCHALLENGE versus any andall insufficientreporting and ineptitude to sufficientlydocument factual reportingverifiability ofvalidness, authenticity, accuracy, ownership ofresponsibility, completeness, and orcertifiability of the mandated compliant ProcedureofREPORTING and mandatorilyperfect complete certifiable METRO 2 FORMATcompliance ofreporting standard ( s ). Ido not recognize the information listed belowas having ever beendemonstrated tobe factual in solidity much less certifiedcompliantly reported in themandatoryprocesses of reporting and with factual, accurate, and completely certifiedorderedformat of the METRO 2 COMPLIANCESTANDARD of reporting standard ( s ) .PLEASEDELETE THE FOLLOWING ACCOUNTBELOW : 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
Consumer complaint received 2024-09-16
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. (FL)

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 6 unauthorized accounts and 5 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

Accounts - 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 XX/XX/year> I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) , and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, XXXX XXXX account XXXX XXXX XXXX  account XXXX has all violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-09-16
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. (TX)

Upon reviewing my credit report, I have identified inaccuracies that do not reflect my financial transactions or credit history. This situation is a direct violation of the Fair Credit Reporting Act, notably under Section 15 U.S.C. 1681e ( b ), which obliges credit reporting agencies to ensure the accuracy of the information they compile on individuals. Enclosed are the documents that substantiate my claims of these discrepancies. I request an immediate investigation and the correction of these inaccuracies.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX2024, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response form from TransUnion that was issued by them on XX/XX/year>2024 stating that they received my dispute letter but they would not process it because they are assuming it is from a 3rd party. I'm not sure where they think that as I am just trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its actual job and conduct a proper investigation on the accounts I am trying to dispute.
Consumer complaint received 2024-09-16
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. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MI)

Dell Pay Credit provided by Comenity Bank Is participating in damaging practices that are at the very least immoral and likely illegal. This account had fallen past due, however it was paid in full multiple weeks ago. They continue to report this account as past due even though they acknowledge that there is a XXXX balance. Because of the continued past due status they also reduced the credit line by over 90 % ( From XXXX $ to XXXX $ ) further negatively impacting my credit since I now have a lower amount of total credit. They out of country call center they report to asked for far too much personal data to verify the account every time I call as well ( they want full name, address, account number, date of birth, social security number, phone number, and email address ).
Consumer complaint received 2024-07-31
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. (PA)

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 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MS)

This debt is not mine. Someone fraudulently got an apartment in my name without my consent looking at the timeframe of this debt I was underage to get an apartment.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-15
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. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-09-15
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. (IL)

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 a third party. They in fact did not come form a third party. I even called them to verify it was me and they 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 throughly investigate.
Consumer complaint received 2024-10-08
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. (VA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (SC)

My PMI has increased by 40 % with no explanation. My home has increased in value to XXXX plus. I owe XXXX. They can not explain why I have PMI or why it has increased by 40 % +. From XXXX to XXXX. I want a refund of the PMI plus interest.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been making my payments each month including XX/XX/scrub>XXXX XXXX.

I later got an alert that a late payment was made on my XXXX account. 
My payment is not late. 

I am attaching a copy of my cancelled check for XXXX and my quick collect from XXXX for XXXXXXXX XXXX