davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A. (TN)

I am writing to formally lodge a complaint against PNC Bank concerning the incorrect reporting of my Home Equity Line of Credit ( HELOC ) to the credit bureaus. The account in question has been reported as Closed despite it being merely suspended for draws, a status that was not disclosed in the letter of suspension of draws off the line. 
Incident Description : In early XX/XX/XXXX, PNC Bank sent me a letter stating the bank had suspended my HELOC, restricting further draws on the line. However, this suspension letter did not indicate that the account was closed. Subsequently, PNC Bank reported this HELOC as Closed to the credit bureaus, which negatively/materially impacted my credit score, misrepresented the true status of my account, and represents financial reporting slander. 
Discrepancy in Reporting : The letter of suspension from PNC Bank made no mention of the account being closed. It merely stated that further draws on the HELOC would be suspended. The incorrect reporting of this account as Closed constitutes a significant error and has had adverse effects on my creditworthiness. 
Reference to Similar Cases : I would like to reference the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court held that incorrect reporting of account status could constitute a violation of the Fair Credit Reporting Act ( FCRA ). The court noted that accurate reporting is essential and any deviation that misrepresents the true status of an account could cause substantial harm to the consumer. Similarly, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), it was established that accurate reporting is crucial and that errors can lead to actionable claims under the FCRA. 
I have attached copies of the correspondence with PNC Bank regarding the suspension of my HELOC, as well as an excerpt of my credit report showing the incorrect Closed status. Additionally, legal guidance is being provided and documentation to prepare for litigation is being drafted. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

**Attachments : ** 1. Copy of PNC Banks letter of suspension of draws on the HELOC 2. Copy of the credit report showing the HELOC reported as Closed If you need any further information or clarification, please feel free to contact me.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MS)

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
CREDENCE RESOURCE MANAGE
Consumer complaint received 2024-07-12
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 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 XXXX days 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 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 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 XXXX
Consumer complaint received 2024-07-12
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. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-12
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: Experian Information Solutions Inc. (MI)

On XX/XX/year>, Experian received a letter from me via XXXX Mail. I have added a screenshot of the XXXX XXXX XXXX XXXX mailing information for said letter within this mailing as proof. I have also included a copy of the original letter Experian received. My initial letter stated the following According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract, for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I recently reviewed a copy of my credit report, and noticed there are credit inquiries that appear to be unauthorized. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. Therefore, the listed inquiries below were without my authorization, and for no legitimate business purposes. These inquiries appear to be very serious errors in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act Sections 609 and 604, as well as violating my rights to privacy. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable signed proof, you must remove the inquiries listed below immediately. 

I am requesting your credit bureau initiate an investigation to determine responsible parties in these unauthorized credit inquiries. As a part of your investigation, please send the names, business addresses, and phone numbers of those who made the unauthorized credit inquiries. In addition, I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf. 

If you are unable to find MY written authorization for these inquiries, I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, please send me the proof of this. 

At the time I am writing this complaint, it is now XX/XX/year> ; XXXX  days after my initial letter was received by your Experian. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed inquiries have not been removed from my credit report. 

I am aware that The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes within XXXX  days of receiving them. At this time, I have not received any information from Experian stating that an investigation has been started nor completed concerning this matter. I have also not received any requests for, nor have I submitted any additional information, which I am aware would extend the timeline to XXXX  days for verification.
Consumer complaint received 2023-12-25
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)

Credit Bureau is reporting information to my consumer credit that is not accurate, has not been verified nor authorized. 

This is administrative remedy, as required prior to filing suit. I mailed a copy of the letter along with a photo copy of id and social security card. 

Actual letter is attached to this complaint
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: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
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: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX has been reporting a closed, charged off account which has negatively affected credit report.

15 U.S Code 6802 15 U.S Code 6805 Charged off accounts are considered income and must be removed
Consumer complaint received 2024-07-12
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. (MA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-02-02
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. (GA)

In accordance with the Fair Credit Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states that I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for any purpose. In XX/XX/2022, XXXX XXXX XXXX XXXX violated this law, and placed a 30 day late payment on my consumer reports
Consumer complaint received 2024-07-12
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. (NJ)

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 2024-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (FL)

Wakefield has called me several times. I have been told they can't tell me how much or who. I asked for a letter, they said they sent it. I didn't receive. When they called again, I asked for the letter. They did not resend it. The same person, XXXX, keeps calling. I finally did some research and fond an old bill from a Hospital in Michigan. The amount was nominal, and I paid it. They did not say whether it had been sent to collections. That was the beginning of XXXX. Today, XX/XX/XXXX, I received another call from Wakefield.
Consumer complaint received 2024-09-30
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. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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 2024-09-30
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. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I constantly call into the Bank of America to get a date change on my account so that I will be able to pay my bill on time. 

They will not change the due date, but charge me late fees constantly. 

I need for bank of America to change my due date so that I will be able to pay my bill on time. 

Best,
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The cardholder for these Capital One Credit Card accounts two is a tenant. She used my social security and other private information to add me as an authorized user. 

It wasn't until XX/XX/year>, in reviewing my credit report that I noticed these two credit cards on my credit report. I filed a dispute with all three credit reporting agencies. XXXX has removed the two credit cards from my credit report. XXXX and XXXX have yet to complete the dispute ( filed on XX/XX/year> ). 

I confronted the cardholder/tenant about these two credit cards. She admitted that she added my name as an authorized user. I requested that she call Capital One to remove me as an authorized user. As of today XX/XX/year>, she has yet to call Capital One. 

I called Capital One today XX/XX/year>, they will not assist me because I am not the cardholder.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There is an account from XXXX that is not mine and is apprearing on my Equifax credit report. It doesnt showe up anywhere else. I have disputed it and it was deleted supposedly but its still there. Equifax even sent me results of the investigation saying it was deleted. For whatever reason, Equifax is extremely difficult to work with and seem to violate the laws rergarding credit reporting and consumer 's rights when it comes to erroneous or flase information in credit reports. I have spoken to an attorney and will be seeking litigation against this company if they continue to violate the FCRA.The account is XXXX ending in XXXX.
Consumer complaint received 2024-10-31
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)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2023-12-25
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX and account name XXXX XXXX XXXX., has violated my rights. 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.