davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
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. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXXXXXX 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 XXXX, AND XXXX 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 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 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (DE)

Repeated calls from this debt company with different numbers. Back to back calls with rude tone. Checked email and found attached letter. I do not owe debt to XXXX XXXXXXXX as stated on the letter. According to the email this so called debt is over XXXX years old and the attempt is now being made in a false debt.
Consumer complaint received 2024-07-13
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. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2024-07-13
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)

I REQUESTED THE REMOVAL OF THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT BECAUSE I CAN STILL SEE THEM ON MINE EVEN THOUGH I HAVE NO ANY KNOWLEDGE REGARDING THOSE INACCURATE ACCOUNTS.
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (TX)

I am writing to follow up on my previous disputes regarding the negative items on my credit report, which have yet to be resolved. Despite my diligent efforts and multiple dispute submissions, the erroneous entries remain on my Equifax report, negatively impacting my credit score and financial standing.
Consumer complaint received 2024-07-13
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. (WA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am in the process to buy a home and was told that I have this negative, fraudulent account that do not belong to me. I am victim of identity theft, and these accounts are hindering my life. 

The account number is XXXX under XXXX XXXX I have attached my FTC report and my ID, social security number and bank statement.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

On Sat XXXX XXXX, I received an unsolicited credit card from Mountain America Credit Union. I never applied for the card. I do not have, nor ever have applied or had an account with this institution. I tried to report the fraud but was referred to XXXX departments in succession including the Fraud department who was not there. Note, I called all numbers on the card and letter received in the mail. Finally I was told a number to call on Monday to report the fraud. Later that day, I received notice that a charges were questioned. 
On Monday I received a welcome brochure in the mail. 
On Monday, I called back to the number they provided on Saturday. During the fraud reporting process, I read back this description. The agent told me this was a different institution, XXXX XXXXXXXX ; the number I had been provided on Saturday and read back to the XXXX agent was for XXXX. This has been an awful experience, a waste of my time, and I am not in touch with the institution in the letter or credit card.
Consumer complaint received 2024-07-01
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)

Date : XX/XX/year> The Credit Bureau 's stated Account Name & Account # was properly investigated, but how is that possible when the open date is inaccurate, the date last active is incorrect, and the date last reported is also inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. I am attaching copies of all letters sent below.

The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I haven't given written permission for these accounts to be furnished on my credit report.
Consumer complaint received 2024-07-01
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. (FL)

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.

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 inructions 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. 

These are the inquiries which should be off from report.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

DEAR, EQUIFAX WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. ( XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ( XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAYAT ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute several accounts listed on my credit report, which are inaccurately reported and do not belong to me. These accounts have a negative impact on my credit profile and may be associated with inaccurate addresses previously disputed. The following accounts are in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have made multiple attempts to have these accounts removed from my credit report without success. These accounts are not mine, and their presence on my credit report is erroneous and damaging. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable.

FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.

ive also recently disputed accounts and associated inaccurate addresses
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (FL)

PNC Bank is the mortgage servicer on one of my mortgages. I recently request to close my escrow account at PNC Bank and manage my insurance and property taxes myself without an escrow account. PNC Bank is requesting that I pay a fee of over {$750.00} in order to close my escrow account with them. The justification for this fee from PNC Bank was that I received a discount at closing for have an escrow account and they are attempting to recover that initial discount cost. First point, I never received any discounts for having an escrow account when i opened my mortgage. The escrow account was mandatory. Second point, PNC Bank was not my mortgage initiator. PNC Bank is the third mortgage servicer for my mortgage so they had nothing to do with my initial mortgage. Third point, I have 4 mortgages in total being serviced by XXXX, XXXX XXXX, PNC Bank and XXXX XXXX. I requested to close my escrow account with all my mortgage servicers and all agree, with no fee, except for PNC Bank who is attempting to extort an unnecessary and exorbitant fee in order to allow me to manage my own insurance and property taxes. Also, the mortgage was previously managed by XXXX XXXX before it was transferred to PNC Bank. XXXX XXXX charges no fees to close escrow accounts. Lastly, I reviewed my initial mortgage closing documents and found not discounts for having an escrow account, or any fees related to closing an escrow account. I would like to close my PNC Bank escrow account, with no fees, and continue to pay my mortgage as i always have. Thank you.
Consumer complaint received 2024-07-19
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 block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-09
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: NEW YORK COMMUNITY BANCORP INC (IN)

In XX/XX/year>, I applied for a modification to my mortgage with Flagstar Bank. My business had experienced a fire and insurance was taking longer than expected to pay on the loss of use claim on my policy. 

When my single point of contact reached out to discuss my request and to tell me that I was approved for a partial claim, I was promised that my credit report would be updated to reflect no missed payments. After all, I had done my part before I was late and Flagstar was taking 60 days to process the claims. At that time I was also advised NOT to make any payments to my mortgage, even if I had the means to, as it would negatively impact my ability to get a loan modification and I would have to start the process all over. 

I took the advice of my single point of contact thinking this was the protocol for the loan modification, per Flagstat policies, and trusted that my credit report would be noted as such. It was not. When I was later told that I was approved for the trial period and that I needed to make three payments in order to be granted a modification, I was informed that the advisor was wrong. That if I couldve made the payments, I should have and that flagstar would not update my credit report once the trial and subsequent modification were completed. I was ill-advised by my single point of contact. 

As a result, my scores have dropped over XXXX points and with a 60 day late on my mortgage, I am unable to obtain any financing and also unable to get a job in my field as a mortgage underwriter. 

I made a formal request to Flagstar via fax, which they confirmed theyd received, to review the phone calls and please update the reporting as I was taking the advice of my single point of contact who made it seem as though making a payment wasnt an option, at all. Flagstar denied my request. I then requested copies of the recordings from the phone calls. It has been 10 days and my request has not been acknowledged
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (TX)

Request Motion to Dismiss on the grounds of special exceptions in regards to not being properly served official court papers. 

I am writing to address a matter of great concern regarding an alleged lawsuit filed against me by Barclays Bank Delaware. It has come to my attention that there have been egregious violations of Texas laws and consumer protection statutes in their pursuit of this case. 

I was not properly served official court papers nor have yet to receive any official court papers. This alleged lawsuit was brought to my attention through attorney advertisement received via mail ( attached to this complaint ). 

The actions of Barclays Bank Delaware raise serious legal and ethical concerns. Upon researching the matter further, It appears that they have violated multiple laws and regulations, including but not limited to : 1. Texas Rules of Civil Procedure : Rule 106 : Service of Process. 
Rule 501.3 : Citation by Publication. 
Rule 502.2 : Service on Individuals. 

2. Texas Finance Code, Title 5. Protection of Consumers of Financial Services : 392.304 : Unfair or Deceptive Acts or Practices. 
392.301 : Prohibited Practices. 

3. Texas Debt Collection Act : 392.301 : Prohibited Practices by Debt Collector. 

4. Fair Debt Collection Practices Act ( FDCPA ) : 807 : False or Misleading Representations.

808 : Unfair Practices. 
809 : Validation of Debts Failure to Serve Proper Notice : Texas law requires that individuals be served with a summons and complaint in person or through certified mail. As I have not received any such documents, it suggests a failure on the part of Barclays Bank Delaware to adhere to legal requirements. 

Deceptive Practices : Barclays Bank Delaware process service falsely claiming to have served me in order to proceed with legal action constitutes deceptive and unfair practices under the Texas Debt Collection Act. Continuing collection activities before validating debt. Causing mental anguish through deceptive practices. 

What is hurtful and upsetting about this matter is how an automatic judgment would have been ruled against me due to me not knowing there was ever a lawsuit filed against me. I have no information on who to contact and this is causing severe stress on my current XXXX. 

Please investigate this matter according to legal requirements.
Consumer complaint received 2024-07-09
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: NAVY FEDERAL CREDIT UNION (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (IN)

My information was found by m a 3rd party website called early warning signs. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.