davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (GA)

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report and notice an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumers reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( ). I'm now requesting you investigate this account and update these payments to paid on time immediately. 

THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.
Consumer complaint received 2024-05-03
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. (FL)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NV)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

XX/XX/year> I reported a dispute for a transaction for {$170.00} for a purchase I returned XX/XX/year>, Lowe 's. I have received and offered proof of purchase and return from XXXXXXXX XXXX but was never issued a refund for from XXXXXXXX XXXX or XXXX. 

As of XX/XX/year> I have yet to receive any correspondence on despite calling on 6 sperate times. Each representative told me I'd receive a call back within 48 hours and no one has called or emailed.

This is the third dispute I have placed about fraudulent/ mishandled funds with this account that has yet to be resolved.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below PNC BANK XXXX
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (NJ)

I am disputing the above referenced debt. Part of the FCRA as a federally protected consumer, I am now opting out of any and all authorizations of anything that is on my credit report. If you have already reported this debt, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (CA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been asking Myequifax.com to help me with access to my account for months and nothing never happens ...... I want them to fix my account so I can access myequifax.com account
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland credit management XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX is reporting false information on my credit report they are reporting that i open a account with XXXX XXXX XXXXk on XX/XX/XXXX in order to try and collect for longer they are also reporting the wrong amount of money my account was originally in collections for it is reporting that i owe {$630.00} when it Reality the account was open XX/XX/XXXX and the balance that was sent to collections was {$580.00} not {$630.00} i have email proof of the date my account was open and when it was send into collections i also have my XXXX credit report that have the correct information this collection company is dishonest and is try to get over on people i have gotten this taking of my report in the past but the company keep putting in back up there with false information in order to get more money and have more time to collect this company need to be looked into because XXXX know how many other costumes there doing this to
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXXXXXX XXXX XXXX  added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX XXXX account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXXXXXX XXXX XXXX XXXX XXXX  a Manager in fraud and dispute. it has been over 90 days and investigations by all XXXX bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX XXXX IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN 90 AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS. This has been removed 2 time this company is hurting my credit file with a fraudulent account.
Consumer complaint received 2024-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RENASANT CORPORATION (TN)

XX/XX/2023 I was contacted by Renasant Bank 's fraud department regarding an attempt on my account via an ATM machine at a XXXX XXXX XXXXXXXX in XXXX, GA. I denied this attempt, as I reside in XXXX, TN. I was working in XXXX and had no way of making that attempt. My card was supposedly frozen and I was to pick up a new card ASAP, but with this all having happened later in the day I had to get this the next day. XX/XX/2023 I was notified once again that an attempt was being made on my account and denied it as well. Somehow the dispute department claims I verified this attempt that amounted up to {$460.00} between multiple withdrawals and charges. I later find while appealing this that it was my OLD card which was used that was supposed to had been flagged and frozen. All of these attempts also were made at the same ATM at the same XXXX XXXX XXXXXXXX yet somehow this all has been tossed to the side evidently. I was not and have never been to XXXX, GA and this loss of money has tremendously made things difficult while dealing with job loss and other difficulties. The bank continues to put this off and refuses to give updates after I have filed a police report and everything else. The police have also been just as worthless in this whole matter.
Consumer complaint received 2024-05-03
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. (GA)

Despite my persistent attempts, I have yet to see any resolution regarding these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the seriousness of this matter to me. If you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I strongly urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no option but to demand the immediate removal of these items from my report.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-03
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. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-05-22
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. (CA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX CARD XXXX 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 may make any consumer report containing any of this item 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 2024-06-21
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: BARCLAYS BANK DELAWARE (MD)

My personal information was fraudulently used to open an account Barclays Jet Blue Credit Card. I've asked for the company to investigate and share there findings without any reply. This has negatively impacted me and my financial well-being.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX { {$1600.00} } XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The issues I have is with udrive now acceptance. I had a car loan with them that was paid off in XXXX of 2023. On my report they never changed the status to closed. I disputed it for incorrect status. Now the account is removed from my credit history all together taking my score down XXXX points. When it shouldve just been corrected to as closed. And not showing open with a balance of {$310.00} dollars like they had it.
Consumer complaint received 2024-05-03
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. (CA)

Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. XXXX XXXX XXXX Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-03-07
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. (IL)

I have submitted CFPB complaint number XXXX for erroneous reporting of information on my credit report. The investigation has exceeded 30 days. The account XXXX XXXX XXXX remains on my credit report.

I am entitled to a fair investigation into the disputed information under Sec

tion 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of my credit report. This erroneous record continues to do to my credit worthiness. Experian is engaging in willful non-compliance of FCRA Section 623.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (OH)

I am writing to dispute the validity of a debt that has been reported by Consumer Adjustment Company to credit reporting agencies. I have no knowledge of any agreement or contract with your company and have never received communication regarding this alleged debt. 

According to my credit report dated XX/XX/year> Consumer Adjustment Company has reported a debt on XX/XX/year> without properly notifying me of its existence or providing me with an opportunity to dispute it. This failure to notify and provide dispute rights violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Consumer Adjustment Company has failed to : -Provide me with written notification of the debt 's existence before reporting it to credit reporting agencies. 
-Notify me of my right to dispute the debt within 30 days of receiving a collection notice, as required by the FDCPA. 
-Notify me at least 5 days before reporting the debt to credit reporting agencies, as required by the FDCPA. 

Furthermore, I wish to clarify that I have never entered into any agreement or contract with Consumer Adjustment Company, and I have no record of any such debt.