davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and I am writing this statement myself. The following collection and incorrect information should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the collection and incorrect information listed IMMEDIATELYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
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. (FL)

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account ( XXXX  XXXX ), account number ( XXXX ), has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly. 

Therefore, I am formally requesting an investigation into this matter and that documented proof, including payment records, be provided to support these reported late payments. If such proof can not be provided, I demand that these erroneous entries be corrected to reflect the accurate payment history. It is crucial that this matter be resolved promptly to restore the accuracy of my credit profile, as is my right under the FCRA. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-11-03
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: Experian Information Solutions Inc. (GA)

The account was charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all 3 credit reporting agencies XXXX, XXXX, and Experian If the dates are coming from the ORIGINAL CREDITOR the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 
In accordance with FCRA 15 U.S.C. 1681 Please delete this account from my credit report immediately. 
Accounts Name : XXXX XXXX Account XXXX
Consumer complaint received 2024-11-03
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. (IN)

I am a victim of identity theft and have tried many different ways to get these items removed. I am now pending litigation on Experian. This is my last effort in contacting them before filing with the courts. I am insisting on a credit block being issued immediately pursuant to 15 usc 1681 605 B ( A ). I have attached all documents needed according to the law listed as well as several others listed in my letter attached that i've not only sent but also done CFPB complaints to no avail. There is clearly no investigation being done at all, no communication back to my requests within the letter, and no proof of the items I've asked for either. Please ensure all items listed in this report are taken care of. If you are having issues removing the late payments, remove the accounts altogether such as XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

The self account reporting is also not only not my account but is incorrectly reporting transaction history. You cant be 120 days late, 150 days late, CO, XXXX blank months, and then back to 120 days late.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (ID)

The called me upwards of 3 or 4 times a day regarding a credit card charge off debt from XXXX. Around XXXX XXXX XXXX XXXX, I spoke with a representative and tried to make payment arrangements with them according to what I could afford. They denied me, and were forcing me to complete with what they thought was best, to which there is no way I could have afforded. I now receive a summons that they are taking me to court. I feel this was unjust and unfair.
Consumer complaint received 2024-11-03
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. (CT)

XXXX is not reporting the correct information they have 3 different errors that they are sending the credit bureaus on my consumer report in experian they show closed no debt XXXX  they put a different date from XXXX  and it also still reporting an address that should not be on my consumer report XXXX XXXX XXXX i no long stay there
Consumer complaint received 2024-11-03
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: Experian Information Solutions Inc. (AR)

Hello, my name is XXXX XXXX XXXX XXXX and I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize Experian, XXXX, or XXXX to include the following accounts on my report : - 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  The open dates XXXX dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 
Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties.

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Consumer complaint received 2024-09-28
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. (IN)

I Demand an Immediate and Thorough investigation into these blatant discrepancies within FOUR DAYS, as mandated by FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantially the alleged lateness of these payments. FAILURE to furnish such proof within specified 4-days time frame will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON TIME status in rigorous adherence to FCRA SECTION 611, which mandates accuracy and completeness in consumer reports. 

I have consistently met my payment obligations ON TIME and Will NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2024-11-03
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. (NY)

An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus. 

I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA. 

I have not received a follow up or deletion from my report.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

XXXX charges were made on my card today, XX/XX/year>. The bank stopped XXXX as fraud, the XXXX charge went through. XXXX also notified today that my SS # and Phone number are posted on the dark web
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The following letters were sent requesting the process of verification and accuracy of alleged late payments on the following accounts listed on attachments. 

As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged missed payment information contained in my consumer file as per the FCRA.
Consumer complaint received 2024-07-11
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)

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

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

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX 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 2017-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (OH)

On  XX/XX/XXXX    XXXX   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   AZ   XXXX    reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. Neither do I contracted any private loan, mortgage loan, credit card debt or any kind of contractual agreement that involve any monetary value or the said claimed amount. My employment contract with  XXXX  does not include any agreement or clause that states that I will be charge with such amount whenever my contract is terminated or ends with   XXXX   XXXX  . A copy of my contractual obligation with   XXXX   will be attached for your review. I Remembered that I was employed by   XXXX   on  XX/XX/XXXX  as an   XXXX   XXXX   until  XX/XX/XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers, and  XXXX  pending sales to   XXXX   XXXX   who was my immediate supervisor, as per company policies. Since I left  XXXX , I have never in any form sold any policy to any person as a replacement from the policies that I have written when I was employed by  XXXX . When I became aware of this information on my credit report, I reported to Equifax about the inaccuracy of the report. I also contacted  XXXX  to provide me with information about any account in my name with explanation of how I owed such amount and have since never been provided with such information. Moreover,  XXXX  have never contacted me about any debt after I have separated from them.Reference complaint number  XXXX , you referred equifax to investigate my complaint. Equifax rather corroborated with  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , and added {$1.00} to the original amount of {$3400.00} to make it {$3400.00} and reported it again in my credit report on equifax official site. Now they have   XXXX   accounts in my name reported on my credit report from   XXXX   XXXX    through   XXXX   XXXX   XXXX   XXXX   XXXX   after the CFPB have referred Equifax to investigate my first complaint.  XXXX  of the account is reported as {$3400.00} and the other reported as {$3400.00} all from  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , This illegal behavior of Equifax, indicates that they are in corroboration with   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   to damage and destroy my credit worthiness and to prevent me from pursuing any career opportunities. Equifax behavior also showed gross amount of disrespect for the Consumer Financial Protection Bureau ( CFPB ) .I want all of this inaccurate information remove from my account.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC (GA)

The company is Global Lending services and I sent in a dispute via XXXX to have them updated my account to current as it showed 3 late payments and I asked them to send me proof and the methods used to prove the late payments. The results came back and It had my account reporting 60 days past due when in fact my account is closed and paid in full since XXXX of 2021. I have attached pictures
Consumer complaint received 2024-07-11
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. (GA)

XXXX XXXX has put a delinquency on my credit report. date open XX/XX/XXXX and its has went into collection. I contacted the company who supposed to have the charge off account who is XXXX  XXXX XXXX, and they have no record of this note. they have since created XXXX complaint on my behalf. I want this removed off my credit report immediately being it XXXX days delinquent. 

Balance : {$690.00} closed on XX/XX/XXXX. 
opened XX/XX/XXXX XXXX  XXXX type : credit card I was redirected to XXXX  XXXX XXXX and they wouldn't give me the complaint filed on record or give me a case number.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On   XXXX    XXXX , 2017 about   XXXX   XXXX  . I went to deposit cash in the PNC ATM ( they do not use envelopes for cash deposits ). I deposit {$65.00}, it kept spitting out a {$20.00} bill, and It ate it and said to contact financial institution, no recept for the deposit of {$20.00}. This is the 2nd time this has happened in approx 3 weeks!!!!!!!!!!! Last time it was at a different atm.
This was at   XXXX   XXXX   XXXX  , in  XXXX , PA.
I called PNC, they FLAT OUT REFUSED TO CREDIT MY ACCOUNT OF {$20.00}!!
I SAID I HAVE OUTSTANDING CHECKS OUT, AND THEY CAN BOUNCE. THEY ABSOLUTELY REFUSED TO EMAIL ME IN WRITING THAT IF A CHECK COMES THROUGH AND BOUNCES THAT THEY WILL NOT CHARGE ME A FEE. HOW CAN NOT EMAIL ME THAT STATEMENT IN WRITING?????????????????
i AM GOING TO LOOK INTO A LAW SUIT FOR THIS ONE, THIS IS SERIOUS!
yOU CAN NOT TRUST THEIR ATMS TO DEPOSIT CASH AT ALL. THEY USED TO HAVE ENVELOPES IN WHICH YOU WROTE YOUR NAME AND ACCOUNT NUMBER ALONG WITH THE DEPOSIT AMOUNT, THIS ABSOLUTELY CAN NOT CONTINUE.
THEY SHOUD BE SEVERLY FINED FOR THIS TOTAL NEGLIGENCE. THEY NEED TO HAVE ATMS THAT TAKE ENVELOPES FOR CASH DEPOSIT!
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX  while checking my    Trans Union Cr  edit report I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.
Consumer complaint received 2024-11-03
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)

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections.

Thank you for your immediate attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX