davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (FL)

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Response to dipute DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address updated You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records. DEPT OF ED / XXXX DELETED US DEPT OF EDUCATION DELETED FAIR COLLECTIONS AND OUT DELETED Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 


I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are a result of Identity theft : XXXX XXXX CREDENCE RESOURCE MANA XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1800.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  History : XX/XX/XXXX ; XXXX ORIGINAL CREDITOR : XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-06-17
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-06-06
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the banks related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I appreciate your time to REMOVE some of the incorrect items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of inaccurate credit reporting and I write to dispute certain items in my file resulting from the issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an erroneous credit report details : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX Balance Owed : {$10000.00} -- XXXX -- -- -- -- -- Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} - Previously Late/Closed XXXX  XXXX Balance Owed : {$10000.00} - Previously Late/Closed XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} CITI XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$5500.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XX/XX/XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-03
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. (MS)

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 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 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.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC (OH)

This firm has contacted me twice regarding an account from 2015. Twice, I have asked to be shown the unredacted Bill-of-Sale that shows both the DATE and the amount their client, XXXX XXXX, XXXX actually PAID for this old account. They are claiming I somehow owe " them '' {$1600.00}. Unless they can show/prove that they actually paid this amount and " WHEN '', I believe I owe them nothing. I am disputing both their claim and the amount they believe I owe them.
Consumer complaint received 2024-06-06
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. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-17
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: EQUIFAX, INC. (NV)

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 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Attached is the response I received from Equifax on XX/XX/2021. I have sent them all the required documentation needed to request a dispute and I get a response stating they couldnt locate my file. There is erroneous information on my credit report that needs to be investigated immediately. I attached A copy of this account, as you can see Equifax is allowing the creditor, XXXX XXXX XXXX, to report inaccurately causing severe harm on my credit report.
Consumer complaint received 2023-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My home is located in XXXX Florida. On XX/XX/XXXX hurricane Ian hit the Gulf Coast leaving damages throughout neighborhoods. It was declared a devastated area by FEMA. I reported my damages with my home insurance XXXX XXXX  They issued me {$45000.00} for repairs. As directed. I had to endorsed the check and mail it to SPS Select Portfolio in UT. The endorsed there part and only sent me back $ XXXXto start my repairs. I have 390 sq ft of fence to replace PVC., a new roof, replacement for window screens, paint. Pool equipment repair, Prior before getting my money for the repairs I had to take out of pocket some costs like a tarp to cover the roof as well as hold my place with contractors to order supplies as there was a huge demand. I was instructed but SPS to log into a website called " Insurance Claims '' this shows me steps that is needed to complete once repairs are complete. They indicated I would get back the {$5000.00} after the final inspection was done. I received a text from there inspector XXXX who only wanted pictures of the final completion of the damages which I sent. SHe said it would take 7-10days. THis was sent and it was uploaded into the company 's site on XX/XX/XXXX. They still haven't released the money. They stated that only 95 % was done. I spoke to many reps and the last one stated that she will note that paint and clean up isn't based on structure and funds would be released this was two weeks ago and still no indication from there website that the rest of the money pay back for the work that was done was sent. The contractors want to pay off the balance and its leaving me in a very bad way with these workers and I don't want to go to collection. The house that is damage is an investment property and I was unable to rent during these time for the property not being safe. I requested a defer for mortgage assistance back in XX/XX/XXXX but it still hasn't finalized. I keep in touch every week and the underwriter who keep asking for the same docs over and over wont move forward. Even there Reps don't understand what is going on. I have complied with every request and they wont release the {$5000.00} or move forward with the mortgage assistance. They are stealing the home owners money and not releasing it to me to pay my contractors. can you help.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (FL)

I went to hgreg to inquire about a car. I told them not to run my credit as I wasnt sure what I wanted to do and I would contact them to let them know. I have a witness who was with me and the guy XXXX who works at the XXXX location said he would not run my credit. As soon as I left the company ran my credit 7 times. I ask him why he did that and he said he forgot I asked him not to. I had my friend with me who can verify he said he would not run my credit. I asked to speak with a manager but no one would talk to me and he refused to take my calls and wont call me back. Its not right that companies can do this without any type of repercussions.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (WA)

I placed an order for grocery pickup from XXXX that was to be picked up on Tuesday, XX/XX/XXXX. They charged me # XXXX for a XXXX of chicken thighs that were priced at {$10.00}. I returned the entire grocery order. I did not take anything from them and brought it all back in to the store. There is camera footage of me doing this. I asked for them to give me my money back. I woke up on the XXXX of XXXX, and they had charged me a SECOND time for {$390.00}. They told me that the charges would fall off, meanwhile I was in limbo with {$800.00} missing from my bank account. I asked my bank ( PNC ) to dispute the charge, and it seems as though they LOST THE EMAIL WITH MY EVIDENCE FOR MY DISPUTE. Instead of reaching out to me about it or any alternative, I am now stuck with losing almost {$400.00} due to their incompetence and attempting to get my money back- AGAIN. I no longer wish to shop with XXXX. I no longer want to bank with PNC. I want a lawyer to work with to get me my money back from XXXX. Why does XXXX get nearly {$400.00} for giving me ABSOLUTELY NOTHING? And putting me through the stress of having to fight it for nearly a month. Why does PNC hold no responsibility for losing my email with my evidence for the case?
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-09-03
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 Equifax 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 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.

Equifax 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The original creditor of this account is Bank of America, and the debt collector is XXXX XXXX XXXX. I learned about this account after I attempted to search the real estate market ; my realtor told me that I had to do a credit check and discovered a judgment against me placed by XXXX XXXX XXXX regarding a fraudulent Bank of America account. I contacted XXXX XXXX XXXX and informed them that the account was fraudulent. I requested them to provide me with the original record of the application of this account, but they could not provide anything. Therefore, in good faith, I called XXXX XXXX  XXXX again to inform them that I want to find a settlement agreement as long as they remove the fraudulent account from my credit report and file a motion to dismiss this frivolous collection lawsuit despite the account not being mine. I just realized I was willing to settle a fraudulent account that's not mine to get things over with, yet they did not want to settle. I made a reasonable offer to them for {$1000.00}. If they're going to call and harass me again to find a settlement, my offer of {$1000.00} will no longer be valid. My new offer for them will be {$250.00}. They constantly harass me with phone calls and attempts of collection on a fraudulent account. They know that the account is fraudulent, yet they try to collect on a fraudulent account illegally.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.