davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (VT)

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 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Fraudulent Accounts Appearing On My Credit Report. 

XXXX. Us Dept Of EDXXXX {$15000.00} XXXX. Us Dept Of Ed/XXXX {$36000.00} XXXX. XXXX XXXX {$17000.00}
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OR)

I am still waiting for a decision on from Citibank on my dispute Subject : Formal Complaint Against XXXX for Misrepresentation and XXXX Customer Service Dear [ Recipient 's Name or Department ], I am writing to formally lodge a complaint against XXXX regarding the handling of my claim and the misrepresentation of the services offered under your extended warranty plan. My experience with your company has been deeply frustrating and has led me to lose trust in the integrity of your services. 

Firstly, I have been repeatedly transferred between different customer service representativeson XXXX occasion, I was transferred XXXX timeswithout ever being able to speak to an adjuster. It is extremely concerning that the adjusters are located in the XXXX, making it nearly impossible to communicate effectively or resolve my issue in a timely manner. 

Furthermore, despite being informed that my repair would be covered, XXXX has failed to honor this commitment. I was left with no choice but to pay for the repair out of pocket, despite it being a valid claim under the terms of the extended warranty. This constitutes a clear case of misrepresentation and fraudulent behavior on the part of XXXX. 

I am requesting immediate reimbursement for the repair costs that should have been covered by my warranty. Additionally, I expect a full review of my claim and the customer service practices that have led to this situation. 

If this matter is not resolved promptly, I will be forced to escalate my complaint to the appropriate consumer protection authorities and consider legal action to recover my losses. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-25
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: Mid-Atlantic Finance Co., Inc. (FL)

I cosigned a car loan for my XXXX to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NY)

After looking through my consumer report I noticed that Sequium Asset Solutions is unlawfully reporting nonpublic personal information on my consumer report. I never was given the opportunity to dispute the debt within the XXXX  days period as outlined in 12CFR1006.34 ( c ) ( 4 ) ( i ). I was not informed of my rights to dispute the validy of this debt which is a direct infringement of my consumer rights. Me checking my report is the first time me finding out this information. Furthermore pursuant to the Fair Credit Reporting Act, 15 Usc 1681b which outlines permissible purpose in obtaining a consumer report, Sequium Asset Solutions did not obtain my written consent to furnish any nonpublic personal information on my consumer report. This also violates the Privacy Act of 1974 which mandates the protection of individuals personal information held by federal agencies and certain organizations. By unlawfully reporting nonpublic information without my consent Sequium Asset Solutions has infringed my privacy rights. In the report it states that I allegedly owe {$170.00} to Sequium Asset Solutions but I never done business nor have a contract with them to owe them any debt. I request documents below that will prove that I owe this alleged debt to Sequium Asset Solutions and I'm also requesting the purchase agreement between sequium Asset Solutions and the original creditor. The following documents I request that will prove that I owe this alleged debt are 1. Forward flow Agreement 2.Audit Trial 3.Chain of Custody 4.Chain of title 5. Account ledger 6.Affidavit of debt 7.Affidavit of Custody 8.Orginal fue holder en course of this debt. 
I'm also ceasing to communicate with me via email text and calls all communication must be held with CFPB
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (GA)

I called Rent Debt XXXX  and asked them for the contract between them and I. Which also stated the amount I owe them for a rental debt the amount approximately {$7000.00}. Property is located in XXXX, GA. However it is inaccurate, I have the judgement on the case
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-22
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: Rent Recovery Solutions (GA)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  XXXX XXXX, which falls under XXXX  according to XXXX- debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX  $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-24
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

i had many issues with my old account being compromised. The last time the PNC bank called me telling me that i needed to go personally to a branch. We opened a new account and the old one decided to leave it open just in case my job and social security administration would deposit the money on the old account, the account had a hold. I would say in XXXX ( cant remember well ) called the fraud department so they can have removed the hold and transfer a balance that I had in my old account so I could close the old account. For my surprised, the person that I spoke with from the fraud department, told me that there was an overdraft of {$220.00}, which I dont understand why is that, when I was having a balance by that time. I went to another branch of pnc to close the old account, the person that I spoke with told me that it was not possible to close the account because of the hold on that old account, but said he would call ( Im not sure where ) to remove the hold so we can close that account and he was going to call me back. Never received the call..for my surprise, the bank transfer over {$200.00} from my new account to old account that had and overdraft ( which shouldnt be any in the first place ). My experience with PNC has been a disaster, not only my old account was comprised many times, my sons, my mothers account, but transfers funds from my new account to and overdraft that again, should have any, and on top of that, I have spoken to a person from the escalations department from PNC and they dont even cant figure out what happened on that account, told me was going to call me and yet im waiting. Im disputing the {$200.00} that was transfer from my active account. If this is not resolved, im willing to contact a lawyer. I dont feel at ease having my money with this bank. One day I have money and the next day my new account is in danger to be overdraft because of the old account? And then the application is showing the {$200.00} back again in my account and in a matter of minutes the money disappears again. Its ridiculous. I have spent hours ( during work ) on the phone trying to get this resolved.
Consumer complaint received 2024-07-27
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: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with ( XXXX XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding my credit card account ( account number ending in XXXX ). From XXXX to XXXX [ year ], I was XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) due to a XXXX XXXX XXXX During this period, I was XXXX  unable to manage my financial obligations, resulting in missed payments on my XXXX account. 

I have been a responsible and diligent customer of XXXX for many years, maintaining a positive payment history prior to this XXXX XXXX. However, due to my unforeseen and unavoidable XXXX XXXX I was unable to make timely payments. 

I am requesting a goodwill adjustment from XXXX to remove the late payment marks from my credit report, considering the extraordinary circumstances of my XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unfair reporting of their credit information. While the FCRA does not specifically address XXXX XXXX, it does emphasize the importance of accuracy and fairness in credit reporting
Consumer complaint received 2024-07-24
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. (NJ)

I assert that the transactions on my consumer report were neither authorized nor initiated by me. These accounts reflect fraudulent activities that I did not consent to, and I categorically deny providing written consent or my signature to any of the entities involved. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report. Pursuant to 15 U.S. Code 1681i ( a ), I demand a thorough investigation into these transactions, including a review of all documentation related to these accounts. Furthermore, per 15 U.S. Code 1681c-2, I request the immediate removal of any unverified and unauthorized accounts, inquiries, and transactions from my credit file. The presence of these fraudulent accounts has caused significant harm to my creditworthiness, and it is imperative that they be rectified immediately. I also request proof of my signature on any document purportedly authorizing these accounts. Failure to comply with these demands may result in further legal action to protect my rights under the FCRA.
Consumer complaint received 2019-11-25
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: Experian Information Solutions Inc. (FL)

TODAYS DATE:XX/XX/XXXXXXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX   system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian  ), and Richardson v. Fleet, Equifax  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXXr system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (DC)

I was the victim of XXXX XXXX. Someone used my identity to apply for an apartment in XXXX  ( I live in XXXX  ). The apartment group tried but was unable to collect an application fee, and passed the debt along to a debt collection agency ( National Credit Systems ). XXXX  filed a delinquent account on my credit report without ever contacting me. I found out at the end of XXXX and was in contact with XXXX from the beginning of XXXX. I submitted the documents they requested to prove my identity and residency. I have received no communication back since those documents were submitted. I have called repeatedly and either been told the agent was unavailable ( never returned messages ), was given vague " we'll look into it '' answers without a timeline, or hung up on. XXXX is holding my credit XXXX and preventing me from applying for a loan or anything else I may need to use my credit for. They have not provided a timeline or clear path they will take to resolve this XXXX XXXX.
Consumer complaint received 2024-07-24
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. (MD)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account the following is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with at the accounts listed and the date that you spoke with them. I also want a confirmation of the address and phone number for the company.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (TX)

Purchased a vehicle from XXXXXXXX XXXX  in XX/XX/year> with an interest rate of 24 % after being assured that we could lower our rate after 6 months. There have also been mechanical problems with the vehicle. We were recently told that the starter must be replaced. Not including the mechanical issues, the loan company for XXXXXXXX XXXX is Bridgecrest and both companies have referred me to each other when asking about refinancing, renegotiating the term of the loans. Bridgecrest claims that they are only a collections company, they don't deal with any of the loan terms, and refers consumers XXXX XXXXXXXX XXXXXXXX XXXX XXXX now says that any changes would have to go through Bridgecrest, and the only way to finance is through a third party lender. All other lenders that we have reached out to are not able to process the loan because the pay off amount is too excessive for the year make and model of the vehicle in question. The only options provided were to switch to making a monthly payment of XXXX instead of a biweekly payment of {$300.00}. The other option, which they stated they do not recommend, was to surrender the vehicle and impact our credit.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I looked at my report and noticed that this is item on my report its not accurate it doesnt belong to me and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Ive sent various letters telling them that this account does not belong to me. 

( XXXX XXXX XXXX ) this account is not accurate and doesnt belong to me And I have reported to them so many times can you look into this matter