davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 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/updated.

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.

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!
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/year> I received a letter from XXXX XXXX stating that my business APR had been raised due to falling personal credit score. Upon my investigation, I learned that only my Transunion score had fallen, and the other XXXX had actually gone up. But not only did my TU score fall, it fell over XXXX pts! I have never been late on a payment, nor do I have outstanding debt. I checked my TU credit report and found general personal information was incorrect, but found no underlying reason for the great drop in my score. I attempted to open a dispute, and was told by TU that my account has been suspended. I attempted to reach out by phone, and the voice recording hung up on me. I have reattempted to file a dispute and each time, either the page will not proceed or the page tells me that my account is suspended. I am being given no outlet for resolution, or to even discover why my score has fallen worse than an individual filing bankruptcy!
Consumer complaint received 2024-11-06
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: LJ Ross Associates (TN)

I have been trying to get the collection off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2024-09-16
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. (PA)

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 2024-09-16
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 request a correction to my credit report regarding a late payment that appears on file in my XXXXXXXX XXXX XXXX This late payment, which I believe is incorrect, does not reflect my payment history and commitment to my financial obligations.
Consumer complaint received 2024-11-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (LA)

On XX/XX/year> Diversified Adjustment Services sent out a email to me on behalf of XXXX in regards to a debt that was owed. This is my first time hearing about this account, so I contacted both companies to see what was going on in which I found out that there was an account open with a different address. Both companies are unwilling to correct their mistake and fix the issue. This has caused me to be denied credit multiple times and has bought my credit score down tremendously. You can see from my identification I do not live at the address that is listed on the debt form.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (NV)

Per my previous conversation with Equifax in XX/XX/2023, Equifax requested that I resubmit my complaint with a new FTC report. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Consumer complaint received 2023-04-14
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX Bankruptcy Discharged XXXX ; XXXX XXXX Balance : {$0.00} XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Discharged XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I disputed the debt with XXXXXXXX XXXX according to the FCRA laws Section 1681 ( i ) a, I heard that you have to provide proof of this debt, if you can't provide proof of the accuracy of this debt it has to be deleted. There are inconsistencies with balances and dates between the reporting of this debt on XXXX and Experian. I can't get validation to the accuracy of the debt amount. I am suppose to be provided the info to how much the vehicle sold. I have not obtain any written proof to challenge the debt and its validity. The credit bureau sided with the company without adequate proof.
Consumer complaint received 2024-10-04
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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

This morning, I was shocked to see inaccurate accounts on my credit report. I regularly check it and it has never been an issue before. I tried refreshing my browser, thinking it was a glitch, but the errors remained. I can't believe this happened, and I am now requesting a thorough review of the documents I've sent to resolve this issue permanently.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am personally filing this complaint regarding late payments on my credit record. After examining my file, I noticed these late payment entries. I sent correspondence about this issue more than 30 days ago, but have received no response, nor has adequate validation been provided.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections/Chargeoffs Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX Account # : XXXX. Account # : XXXX Balance : XXXX Balance : XXXX XXXX XXXX Account # : XXXX Account # : XXXX Balance : XXXX Balance : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Balance : XXXX Account # : XXXXXXXX XXXX Balance : XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Balance : XXXX Account # : XXXX Balance : XXXXXXXX XXXX  Account # : XXXX Balance : XXXXXXXX XXXX Account # : XXXX XXXX : XXXX XXXX  Account # : XXXX Balance : XXXXXXXX XXXX  Account # : XXXX Balance : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX ( DATE FILED XX/XX/XXXX ) UNAUTHORIZED XXXX : XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2024, I deposited a {$15000.00} check from my friends into my account at Truist Bank. Shortly after, Truist notified me that my account was blocked for further transactions due to a fraud investigation. The notice mentioned that, following the investigation, any remaining funds would be sent to my address on file. 

On XX/XX/2024, I received another letter stating that Truist had permanently closed my account. However, no additional details were provided about the status of the funds. Despite numerous calls and inquiries to fraud supervisors at Truist, including messages sent to the fraud department, I have not received any clear updates. It has been over a month, and I still do not know where the funds are or when they will be returned. 
I was repeatedly assured that updates would be provided within two days, but none of the supervisors I spoke with have been able to get information from the fraud recovery analysts. The lack of communication from Truist has delayed critical plans that depend on this money. 

I am seeking assistance in resolving this issue and recovering the funds as soon as possible.
Consumer complaint received 2023-04-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Since XX/XX/2022 Portfolio Recovery Associates , LLC ( XXXX, XXXX ) has been reporting unverified alleged debt to my credit report without my written consent. PRA, LLC has sent statements of account ( securities ) via mail ( non-registered mail ) as validation. PRA, LLC continuously fails to verify by sworn statement & signature ; therefore reporting inaccurately and hindering my likeness & creditworthiness to other creditors since XX/XX/2022. It has been interfering with my livelihood. PRA, LLC has been fined by the CFPB furthering my case of inaccurate reporting, harassment, unfair debt collection practices. FTC complaint number XXXX.
Consumer complaint received 2024-10-04
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. (PA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-10-21
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. (DE)

I noticed a charge from XXXX for a trip that was not authorized. I contacted PNC bank to let them know after I had already reached out to the merchant as well as the resort which was saying I had a purchase. While speaking to the resort I was told they could take the fraudulent reservation off right away as the date was more than XXXX weeks out ( have phone records as this was a out of the country call ). I contacted XXXX to have this removed. I was told they would need to speak to the resort. I informed them I had done this prior, but understood I would need them to directly contact them. A gentleman from XXXX contacted the resort while I was on the phone and was told the same information. Once this was confirmed the denied cancelation even though it was XXXX weeks out and I informed them to remove it. I contacted PNC to let them know this was not a valid charge and was given a provisional credit on XX/XX/year> as the reservation was for mid XXXX. 
Out of nowhere on XX/XX/XXXX my provisional credit was reversed and my account was debited {$2600.00}. I again disputed the charge after asking how I was responsible for this charge. I was told that I had previously had a relationship with the company which made it valid. That was more than unexpected for reasoning.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-11-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (WA)

XXXX  : I purchased a phone through XXXX about XXXX years ago from XXXX and got the additional insurance on the phone. I traveled to XXXX and got robbed. I went to the XXXX store in XXXX, XXXX to get a new phone and instead of giving me a new phone, I had to pay FULL purchase price on the phone and NEVER had my claim processed by XXXX. XXXX refused to pay my claim and XXXX never helped me. They just kept taking money from me. I have never missed a payment or even had a late payment on anything, you can check my credit. I promise, swear, or whatever. This debt isn't mine and it anythingXXXX XXXX and XXXX  owe me a new phone. Thank you.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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.