davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

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 the following unauthorized accounts and inquiries : XXXX XXXX  XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX, XXXX Acct XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On Sunday XX/XX/XXXX, XXXX unauthorized XXXX charges were charged to my checking account with my card. The XXXX charges were : XX/XX/XXXX XXXX  *INSURANC XXXX OH XX/XX/XXXX Card {$170.00} XXXX  *INSURANC XXXX OH XX/XX/XXXX Card {$270.00} I have my XXXX  on auto payments from my bank account, not my card. They are consistent on dates, they look like this : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX WEB ID : XXXX ACH debit {$150.00} I called XXXX and they stated that they do not see the XX/XX/XXXX charges under my XXXX account.
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TX)

I gave advanced notice of XXXX  membership cancellation yet my account was sent to collection. 
In an email, they asked for proof of relocation and i sent a utility bill proving my relocation of more than XXXX miles which satisfies requirements to cancel membership. Yet I believe they used this information I provided against me by submitting my new address to the credit bureaus. 

Old address I used to register XXXX was XXXX XXXX XXXX XXXX XXXX XXXX XXXX New address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX these XXXX addresses clearly indicates that the distance is more than XXXX miles which qualifies for cancellation.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (NJ)

I received an email sometime in XXXX telling me that my Real Estate taxes were paid. When logging into my account, I noticed that my monthly payment almost doubled. Per my Mortgage disclosure statement, my taxes were excluded specifically from my monthly payments. I was told that a letter from my township was sent to CMG regarding delinquent taxes, so they CMG paid even though we have a contract not to pay. When using the Chat preference on their website many times, I was given so much conflicting information it was ridiculous! One of the many persons I chatted with told me to pay the back escrow and my payment would go back to normal. I paid the back Escrow, however my payment remained doubled. When I went on the Chat again, I was told I needed to write a letter with my signature stating that I didn't want my taxes paid through my Escrow account. Well, I did that and sent it through the messaging on their website on XX/XX/XXXX. To my surprise my taxes were paid again on XX/XX/XXXX now my Escrow account is negative again! I have been going back and forth with this company for over a month, they just can't seem to get this straight. I never in my life had to deal with such incompetence!
Consumer complaint received 2024-08-20
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. (CA)

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX Acct # XXXX
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX at about XXXXXXXX XXXX I received a call from Bank of America ( at least they said they were with Bank of America ) stating that my SS #, address, etc were being used to open a credit card with that company. The person who was trying to get that credit card using my information, was supposedly in Texas. I live in Illinois. 
The " Bank of America '' person gave me a complaint number XXXX and transferred me to another person EXT XXXX, XXXX named XXXX XXXX who said he was with experion.com. After continually telling this person that I did not trust him, he enthusiastically made sure I knew that he was taking care to put high security on all of my credit cards. He knew all of the cards I held. Idenity fraud was his main theme of keeping on the line without hanging up on him. 
I hung up and called THE REAL Bank of America , credit fraud department and asked them to check on a person in Texas saying they were me and applying for a credit card. No one existed. The gal from Bank of America told me to contact the FTC, as I have. 
Another number the experion person gave me was XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (AL)

Being a victim of identity theft has been such a traumatic me feeling experience that left me feeling violated and vulnerable. I have suffered greatly. I found out that somebody used my personal information and used it to open credit cards take out loans, and make fraudulent purchases, leaving me with significant amount of debt that Id didnt incur. Its frustrating and overwhelming to deal with the aftermath. I look forward to resolving the issue and restoring my credit with the help of the FTC. This accounts for the result of a person or company using my personal information without my consent to obtain goods and services fraudulently and I have not benefited from any of it.I demand this account be removed from my credit report
Consumer complaint received 2023-07-07
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. (CA)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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 am a victim of identity theft. I have attached my complaint Ive filed with the Federal Trade Commission and Ive attached my identification for identity verification. My only name is XXXX XXXX XXXX XXXX and my only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My credit report should only report the above accurate personal information.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (LA)

Contacted Credence Resource Management over 2 months ago we agreed upon me paying a debt in full of {$110.00} and a deletion would happen. Did not receive a deletion the account is still on credit report. I have contacted Credence Resources several times since agreement was reached and no results.
Consumer complaint received 2023-08-25
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. (NY)

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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2024-04-29
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. (SC)

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 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

dispute a transaction approx cost XXXX the bank with the millennium children working for citizens bank do not understand how the United State Postal service works. On a sunday an electronic transaction hit my account with a toll free number attached. So i call that number and they said to me that i ordered so membership it was in the fine print of which i had no intention to do so. the matter started when i as a XXXX XXXX customer answered a survey and the offered me to chose a product for my survey. I ordered high power ear pods. once i found out that i had to be a member and pay for this membership i decided that when i received my package i would return it. 

so in the United Postal Service if you receive something you dont want and or never ordered you give it to the clerk and its called " refusal return to sender '' this is done at no cost to me the consumer and also NO RECEIPT IS GIVEN AS THERE IS NO COST. 

The children of citizens bank mandated that i provide a receipt from the post office that i returned that package and the is unavailable they do no give receipts on return to sender. 

citizens bank closed my account placed it with XXXX XXXX and declaured that i abused my account for filing a dispute under regulation E and 93 A of the massachusetts consumer protection act.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I am XXXX XXXX XXXX XXXX, and I am personally submitting this complaint with no third party involved. I have attached letters providing detailed information about what is being reported on my credit report. I have never had a contractual relationship with Jefferson Capital Systems LLC, and I believe that XXXX XXXX, the original creditor, sold my account without proper notification. This is a clear violation of FCRA 611 concerning inaccurate reporting on my credit report. Please delete this account immediately due to the
Consumer complaint received 2024-04-29
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 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 2024-04-28
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 XXXX | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.|
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

Really dont know who is this bank, is. And if this was my account and don't remember it's very old and want it off my credit report, over 20 years old
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

After the pandemic, banks, and the main mortgage guarantors meaning FHA, XXXX, the VA, as well as government mortgage companies XXXX XXXX and XXXX XXXX  granted grace periods or offered mortgage relief options through my mortgage loan servicer in my state to their customers affected by COVID-19. 

I reviewed my consumer report and noticed that I had 3 late payments on a mortgage account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report accurately. 

Please investigate and provide proof with statements showing that these payments were late. If proof cant I demand these payments be updated to on time as they should be as I was never late. 
Thanks.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (VA)

I XXXX XXXX XXXX sent out a request to open a line of credit with SAID company PNC BANK/ PNC FINANCIAL SERVICES GROUP INC and I believe there is a misunderstanding of my right and laws. I exercised my right to initiate the consumer credit transaction with SAID Company PNC BANK/PNC FINANCIAL SERVICES GROUP INC with SAID company PNC BANK according to 15USC-1602 in which I granted said corporation PNC BANK. I am well aware of my rights as a consumer and in fact the denial of my right by PNC BANK /THE PNC FINANCIAL SERVICES GROUP INC to extend credit is and has caused mental and financial distress.There are no federal laws that state a credit score can deny me of my rights to extend credit.Discrimination against an applicant and a credit transaction is a against law 15 USC-1691 15USC-1691 I demand your company reconsiders this matter and comprise with federal law.Please open the accounts in which I've extended credit and correct any adverse action taken on my credit report .I take my consumer report and credit matter very seriously and I hope this matter can be resolved promptly. In care of : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to address this properly may lead to further legal actions .Thank you for your immediate actions to this matter .I expect a timely response and resolution.
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (GA)

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & XXXX  and is XXXX  my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Re : Account Number : XXXX To Whom It May Concern : I am writing in response to your letter dated XX/XX/2024 regarding the above-referenced account. I want to make it unequivocally clear that this account does not belong to me. I have never opened an account with XXXX XXXX XXXX, XXXX, nor have I ever acknowledged or made any payments associated with this account. 

While I acknowledge that you sent me a copy of a bill with my address, I must emphasize that this is insufficient to validate that this debt is mine. Simply having my address on a bill does not prove any connection or liability on my part. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt. Your letter fails to provide sufficient evidence to validate this debt as mine. You have not provided any documentation linking me to the original creditor or any agreement I may have made with them.
Consumer complaint received 2023-02-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-28
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. (CA)

Dear Consumer Financial Protection Bureau, I hope you're doing well. I need to report an error I found on my credit report. It says I made a late payment, but I actually paid on time. It's important that credit reports are accurate, so I'm reaching out. 

I've attached a copy of my credit report with the supposed late payment date ( XX/XX/2024 ). Can you investigate this? If you can't find proof of a late payment, can you fix it to show that I paid on time? 

Thanks for your help and quick action on this.
Consumer complaint received 2024-04-28
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, a the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can 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 XXXX 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.