davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Thank you for addressing some of the inaccuracies on my credit report. However, there are still several items that need to be corrected. This is my second complaint regarding incorrect credit reporting, and I am disputing specific items on my report due to identity theft. The items in question are not associated with any purchases, services, or financial transactions I have authorized. Please remove the following erroneous entries from my credit file : XXXX : XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -EQUIFAX : XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- XXXX : XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are unfamiliar to me. Additionally, the information provided on some items has been removed by other credit bureaus, raising doubts about their accuracy. The reported payment history on these accounts is also inexplicable to me. Under FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request a fair resolution.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-05
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with those creditors 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 those account 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
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: EQUIFAX, INC. (KY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have XXXX my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Immediate Removal and Deletion of Inaccurate Accounts Dear Sir/Madam, I am writing to formally request the immediate removal and deletion of the following accounts from my consumer report, as they have been inaccurately reported without proper notice or my consent. The relevant accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Equifax Account # : ** XXXX XXXX Account Type : XXXX ( Credit Card ) - Balance : {$6400.00} - Status : XXXX - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX & Equifax ) - Last Reported : XX/XX/XXXX ( XXXX XXXX XXXX ), XX/XX/XXXX ( Equifax ) XXXX XXXX ( Original Creditor : Avant/WebBank ) : ** - **XXXX Account # : ** XXXX - **XXXX  Account # : ** XXXX - **Equifax Account # : ** XXXX - Account Type : XXXX  - Balance : {$7100.00} - XXXX : XXXX - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX & Equifax ) - Last Reported : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XXXX ** - *XXXX  Account # : ** XXXX - **XXXX  Account # : ** XXXX - **Equifax Account # : ** XXXX - Account Type : Installment ( Child/Family Support ) - Balance : {$1200.00} ( XXXX & XXXX ), {$1200.00} ( Equifax ) - Status : Collection/Chargeoff - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX & Equifax ) - Last Reported : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XXXX **Equifax Account # : ** XXXX - Account Type : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} - Status : XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX - Last Reported : XX/XX/XXXX None of the creditors or collection agencies provided proper notice within the specified time frame, nor did I instruct or give written consent to furnish any information on my consumer report. Additionally, re-aging accounts by updating dates is a violation of the FCRA Section 605 ( c ). 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e, 15 U.S.C. 1681b, 15 U.S.C. 1681 ( e ) ( b ), 15 U.S.C. 1681i, 15 U.S.C. 1681i ( 5 ) ( a ) ( i ), 15 U.S.C. 1692b, and 15 U.S.C. 1692c, I request that you take the following actions immediately : 1. Remove and delete the inaccurate accounts listed above. 
2. Provide detailed information regarding the steps taken to verify the validity of these alleged debts. 
3. Ensure that these accounts are permanently removed from my consumer report and notify me in writing once this has been completed. 

Please be advised that for every violation of my consumer rights under the FCRA, I shall be compensated up to {$1000.00} as stipulated by the law. Failure to comply with this request will result in further action. 

I appreciate your prompt attention to this matter and expect a response within XXXX days. 

Sincerely,
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A. (PA)

On XX/XX/XXXXXXXX XXXX XXXX  someone opened up online banking accounts in my name. This was without my authorization! I received a debit card in the mail from PNC bank that I did not apply for. The scammed also created a user name and pin to do PNC online banking in my name! Without my authorization. After discovering someone committed fraud against me I went to a PNC branch in XXXX, Pennsylvania. I sat down and discussed the fraud with a bank employee. They were able to see in their system that yes in deed someone opened up an account online using my information. They told me they would stop the account to be used any further and that they would get back to me. I haven't heard back from PNC.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Removal of Unauthorized Inquiry Pursuant to 18 USC 1028A Dear Equifax , I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report as listed by Equifax Information Services LLC . This inquiry appears to be in violation of 18 USC 1028A, which pertains to identity theft and related offenses. 

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : XXXX Email : XXXX Inquiry Information : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX Explanation of Dispute : Upon reviewing my credit report, I discovered inquiries listed from the above-mentioned companies on the specified date. However, I did not authorize these inquiries, nor do I have any affiliation with the company in question. These unauthorized inquiries raise serious concerns regarding potential identity theft, which is a violation of federal law under 18 USC 1028A. 

As a consumer protected by federal law, I request that Equifax Information Services LLC conduct a thorough investigation into this matter and promptly remove the unauthorized inquiries from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take all necessary steps to ensure the protection of my personal information and credit profile. 

Enclosed with this letter are copies of documents supporting my claim, including but not limited to proof of identity and any additional evidence relevant to this matter. 

Please provide me with written confirmation once the investigation is complete and the unauthorized inquiries have been removed from my credit report. 

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

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

XXXX acted solely on the information they recieved from the collection agency and ignored documentation sent to them by me requesting specific documentation which will lead to negative impact on my credit without cause. Which is totally unfair. I feel that these false accusations should be removed from my credit report and XXXX should be investigated for unfair practices
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (MO)

I recently tried to open a checking account at PNC Bank ( XX/XX/XXXX and XX/XX/XXXX ) twice and at XXXX XXXX XXXX  ( XX/XX/XXXX ) once, but both banks denied my application. During my first time at PNC Bank on XX/XX/XXXX, the banker returned me a printed letter explaining that they couldn't approve my application due to negative records shown in my XXXX XXXX XXXX consumer report. As a result, I ordered a free copy of my consumer report from XXXX XXXX XXXX on XX/XX/XXXX. Basically, this negative record was about the " Closed for Cause/Purge '' status of my previous XXXX XXXX XXXXXXXX XXXXXXXX XXXX  because I didn't follow their bank policies. After sending all my supporting documents ( also attached below ) to dispute with both XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX Department and proving that what actually happened to me was a check scam, I'm pretty sure this negative record has now been removed from my consumer report. Then, I tried to open a checking account at PNC Bank for the second time on XX/XX/XXXX, but the banker there denied my application again without clarifying the specific reason. I further tried to open a checking account at XXXX XXXXXXXX XXXX  online on XX/XX/XXXX, but I was rejected again. This time, they sent me an email clearly explaining why my online application was not approved, which is because of a higher-risk XXXX XXXX XXXX score ( XXXX ) with major impact factors included. However, given that my previous negative record should have been removed, this explanation still doesn't make any sense to me because all my present checking accounts are on a very good track without violating any bank policy. I hope PNC Bank can explain in more detail why they denied my second application. I also wish XXXX XXXX XXXXXXXX could explain in more detail why my deposit score is so high, how to lower my deposit score, and when I can apply for a checking account in any of the XXXX banks that own XXXX XXXX XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-23
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. (TX)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never 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 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 months that are reported late 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 XXXX XXXX XXXX XXXX XXXX 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-07-25
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. (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 Account Name : XXXX account # XXXX Account Name : XXXX XXXX XXXX account # XXXX 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.