davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  This matter is going to become serious if I don't see the appropriate relief from this collection forthwith. I don't owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but I do have some very strong complaint letters to send and file up with lawsuits pursuant to G.S. if we can't remove this collection immediately. 

I've provided documentation that states XXXX XXXX did not have the signed move out form with the correct date which would have had me owing a balance of XXXX. 

I left this property due to grossly unsafe conditions orchestrated in some part rather actively or passively by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They could be civilly and criminally responsible for physical and mental damages to my health while at the property and severe financial loss. 

The thought that I'd ever pay XXXX XXXX XXXX XXXX or what they let happen to me at XXXX XXXX is the most XXXX XXXX thing I can think of and the fact XXXX can sleep at night is proof XXXX will not be hot enough for some people. 

I want this off my credit forthwith or we are all going to go to court with a story for the ages and I'm going to leave with big checks and pursue criminal charges. 

respectfully, XXXX XXXX XXXX XX/XX/1979 XXXX XXXX XXXXXXXX XXXX XXXX  I am filing a formal complaint against all parties but this should be simple for XXXX XXXX They don't have a required signed move out letter because XXXX won't release it. Therefore they have no debt. I have fled a complaint with their XXXX the CFPB, and have made the credit bureau 's aware this debt is invalit. 

You are preventing housing for someone with a XXXX and I'm tired of it. At this point I'll pursue this in every legal way I can starting with criminal complaints to XXXX Police and the Federal Bureau of Investigation if I can not get this removed from XXXX experian and XXXX XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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. (PA)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-03
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. (MI)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I checked my Experian credit monitoring XX/XX/year> and I noticed that I had a unauthorized hard inquiry on my credit report I phoned Experian XXXX department and they were no help and asked me did I fill out a police report. 

The hard inquiry was : - XXXX XXXX, XXXX XXXX XXXX date : XX/XX/year> XXXX
Consumer complaint received 2024-08-08
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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-08
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)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-02
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. (UT)

TRANSUNION & XXXX CONTINUE TO BREAK FEDERAL LAW AND VIOLATE MY RIGHTS AS A CONSUMER AS SET FORTH BY CONGRESS THE LAW IS THE LAW. DELETE THESE ACCOUNTS ASAP FOR ALL VIOLATIONS AND FOR CONTINUING TO BREAK THE LAW AND VIOLATE MY FEDERALLY PROTECTED RIGHTS AS SET FORTH BY CONGRESS. 

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 ) '' the consumer report does not include information solely as to TRANSACTIONS or EXPERIENCES ( Payment history charge off status ) between the consumer ( myself ) and the person making the report. YOUR REPORTING OF THIS INFORMATION IS BREAKING THE LAW AS STATED AND SET FORTH BY CONGRESS. ADDITIONALLY THESE ARE AN ADVERSE ITEM AND THE CONSUMER REPORT DOES NOT INCLUDE ADVERSE ITEMS OTHEN THAN : PER 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports " any other adverse item of information, OTHER THAN records of convictions of crimes which antedates the report by more than seven years '' Additionally The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account ILLEGAL. THE LEGAL Definition PER THE IRS Clearly says a Cancelled debt or " Charge off '' is Income. I never received a 1099-C FROM for the cancelled debt. These companies are writing off debt with the IRS WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGALL. ALSO In Their TERMS and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TRANSUNION is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Consumer complaint received 2024-08-02
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. (WI)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
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 XXXXFurthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (IL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX is reported as a hard inquiries on my credit report. I didn't authorized this matter. I want it deleted from my credit report.
Consumer complaint received 2019-12-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A. (OH)

I contacted PNC Bank my local branch in XXXX Ohio downtown location! I notified them i needed copies of all the cashiers checks from aprox.from XX/XX/2015 until the current time they were every month for {$50.00} but a few were for {$100.00} I TRIED TO REASON WITH THE CUSTOMER SERVICE PEOPLE ONE IN XXXX OHIO THAT CALLED ME AND SAID SHE WOULD, THEN SHE NEVER CALLED ME BACK! I I HAD A FIRE AND ALL MY COPIES OF THE CASHIERS CHECKS WERE BURNT UP ALONG WITH THE RECEIPTS! AT FIRST THE MAIN BANK IN XXXX PA SAID THE LOCAL BRANCH WOUULD HAVE THE CANCELLED CHECKS! THE A CUSTOMER SERVICE PERSON CALLED ME FROM XXXX OHIO AND SAID THE CANCELLED CHECKS WERE IN A SECERET SIGHT IN XXXX OHIO! THIS WAS XXXX XXXX OR XXXX! THEN I CALLED THE MAIN BANK PEOPLE AGAIN AND THEY HANDED ME ANOTHER SONG AND DANCE I HAVE BEEN WITH THIS BANK 43 YEARS! I JUST WANT SOME HELP! XXXX XXXX!
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi my name is XXXX XXXX XXXX, and I have notice that the credit reporting agencies are taken advantage of me by inaccurately reporting late payments thats totally inaccurate. Do to this inaccurate reporting I have been denied lines of credit, and was denied a loan. Please look at the documents I have attached. 
Thank you.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (RI)

I received a call from rocket mortgage asking if I was intrested in a XXXX mortgage/line of credit. She had my information and my wifes, i do have a mortgage with them. I told the girl I was not intrested and was all set. She wouldn't shut up about it so I hung up on her. 
The next day, my wife calls me asked if I took out a 30 year mortgage with rocket mortgage. We only have 5- 6 years left. I did not, now I'm getting nervous thinking I scammed. I go on my rocket mortgage app and there it is, a 30 year mortgage with a loan number. I call up and they are telling me it not a actual loan yet and the call I got was real too. I tell them this XXXX XXXX and I want to escalate to a manager. XXXX XXXX XXXX XXXX I told them about the call, I want it off my my rocket mortgage app and not to call me. I'm glad I took a screenshot, it was gone after I hung up. It's deceptive and my heart dropped thinking I somehow got scammed.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (VA)

I am writing this letter to officially dispute information that is inaccurate on my credit report. Based on the following FCRA violations. 

Failure to Provide Investigation Results ( 1681i ( a ) ( 6 ) ) ; Failure to Conduct Reasonable Investigation ( 1681s-2 ( b ) ) ; Reporting Inaccurate Information ( 1681s-2 ( b ) Failure to Properly Handle Direct Disputes ( 1681s-2 ( a ) ( 8 ) ) Your company has failed to provide physical verification of the following accounts and has yet to delete these accounts from my credit profile. I have requested written, wet signature signed pages of the agreement between myself and the creditor however I have received none, yet the account continues to remain on my credit report and investigation comes back accurate and verified. These accounts never seem to change in status or remarks but somehow are verified which I find to be inaccurate, false and all around fraudulent. 

XXXX XXXX No Account Number Listed {$13000.00} ( diff amount on XXXX report ) XXXX XXXX No-Account Number Listed {$6400.00} ( charged off ) XXXX XXXX Account Listed XXXX times {$0.00} ( unknown status ) XXXX XXXX  Account Listed XXXX times {$400.00} ( unknown status XXXX total account reporting ) XXXX XXXX XXXX Account Number listed These accounts are very damaging to my reputation and my financial stability and needs to be deleted immediately. This is my third written notice about these accounts. If the proper action is not taken, I will be forced to take legal action for punitive damages. 

I have already submitted documents to verify my identity on several occasions previously. Please dont not request these documents again or I will assume that is just an attempt to delay doing the necessary thing to correct these inaccuracies. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-02
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)

My account with 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 in 60 days 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.

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 XXXX
Consumer complaint received 2024-08-02
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. (PA)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-09-09
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)

On my credit report from Funding Suite , File # XXXX dated XX/XX/year> : On page 2 of the report : Creditor : XXXX XXXX  XXXX reported XX/XX/year>, Balance XXXX, payment {$280.00}, Experian reported the wrong account number XXXX ( missing numbers ). 
XXXX and XXXX reported the same creditor on XX/XX/year>, same balance, same payment information with the first 12 numbers of the account XXXX. Experian reported the last numbers XXXX duplicated the report with the missing account numbers. This affects my credit report with an additional monthly payment of {$280.00}, should only be only one payment of {$280.00}.
Consumer complaint received 2024-08-03
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. (GA)

I recently disputed some incorrect items on my credit report with Transunion, and they responded by saying that they are refusing the block the information I requested to be blocked because my identity theft report is not original. I don't know what that means, but I am seeking compensation for damages for nun compliance. The identity theft report submitted was directly from www.identitytheft.gov is is in fact original. Per 15 USC1681n ( a ) ( 1 ) ( A ) of the FCRA allows consumers to recover up to {$1000.00}. Their consent neglect to properly report my credit has been dramatically affect me and my family 's life, and it is time for them to be help accountable. I bank with XXXX bank, and and receive direct deposit with XXXX bank as well, and the bank bank keep denying me credit cards and much needed loans, because they are saying Transunion is telling them I have lots of hard inquiries and delinquent accounts which is false. Transunion is tarnishing my name and my identity for a reason I do not know. They are also reporting that I am 2 month late on my XXXX account which is false. I am currently up to date on that account and do not owe on it nor has that account ever been late. They hateful actions toward me has again been affecting me and my family. 

I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect... 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments Also I noticed some incorrect personal information being reported on my credit which I am demanding to be correct immediately. 

My name is XXXX XXXX ( Q ) XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Phone number : XXXX any other information they have for me is incorrect and I am demanding an immediate correction.