davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX referred my Account to XXXX XXXX XXXX  and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX XXXXXXXX XXXX XXXXXXXX. I tried to resolve this with all 3 companies to no avail. I was taken to civil court twice by XXXX, XXXXXXXX XXXX XXXXXXXX representing XXXX XXXXXXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. Judgment was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said judgment. I spent 2 days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it. I have explained this via certified mail to XXXX XXXX, TransUnion, XXXX and XXXX.
Consumer complaint received 2024-08-15
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. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-05-29
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)

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-15
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. (LA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-05-30
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$500.00}
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/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 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> credit collection services XXXX XXXX XXXX XXXX, MA XXXX Re : Account Number XXXX Dear credit collection services, I hope this letter finds you well. I am writing to request a goodwill adjustment for my credit collection services ( Account Number : XXXX ), which has been paid off in full. 
Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused. 
I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms. 
Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-30
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. (NV)

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$4200.00}
Consumer complaint received 2024-05-29
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. (NC)

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 has violated my rights. 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section2. 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

The balance for my mortgage loan through Bank of America ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) is reported incorrectly on my Credit Report for XXXX and XXXX XXXX The balance reported on my Credit Report is {$120000.00} when in actuality the balance ( from the account center and statements attached from Bank of America ) is {$110000.00}. Ive disputed this incorrect information through XXXX XXXX and XXXX, XXXX, and XXXX and no changes have been made to reflect the accurate balance. My credit score has been negatively impacted as a result. 

XXXX File ID Number : XXXX XXXX Dispute Number : XXXX
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (OH)

FORD MORTOR CREDIT COMP is reporting an acvount on my credit report that has an incorrect open date and that is against FCRA RULES/LAW. It show an open date of XX/XX/XXXX. It also shows that my last payment was XX/XX/XXXX which is not true and also gaint FCRA RULES/LAW.
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-29
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)

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 2023-08-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A. (NC)

I have been working with PNC Bank since XX/XX/XXXX to get Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX. I was informed on XX/XX/XXXX that I could not get forbearance of the loans from PNC Bank. I have been working with the North Carolina Home Owners Assistance Program, XXXX and XXXX XXXX, XXXX XXXX since XX/XX/XXXX to remedy the payment of the two Home Equity loans : XXXX, XXXX. I still have a case pending with the North Carolina Home Owners Assistance Program, XXXX XXXX, Case Manager. 

PNC Bank has refused to assist me with the Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX to date. I have received several packages from PNC Bank citing filling out applications for Hardship/Forbearance for the two Home Equity loans : XXXX, XXXX on several occasions. I sent in Hardship/Forbearance application packages on XX/XX/XXXX and XX/XX/XXXX to PNC Bank Loan Dept . My two contacts are XXXX XXXX and XXXX XXXX @ XXXX ext. XXXX. The PNC Bank address is : PNC Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 

I am currently unemployed and can not send payment for the two PNC Bank Home Equity loans : XXXX, XXXX. Can you please provide assistance with the two PNC Bank Home Equity loans : XXXX, XXXX? 

See latest correspondence with PNC Bank on XX/XX/XXXX : Dear XXXX : We are in receipt of your email and attachments. At this time, we are unable to provide you with detailed information via email. If you need additional assistance, please call XXXX and follow the prompts. 

XXXX XXXX on behalf of XXXX XXXX. 
PNC Bank Phone : ( XXXX ) XXXX Fax : XXXX Email : XXXX PNC Mortgage XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-05-29
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)

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 2024-05-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (IL)

I purchased a XXXXXXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX within that purchase i had a XXXX XXXX transit XXXX that i was financing and still owed money towards. I was informed I could advertise the XXXX on the lot of XXXX XXXX truck for sale to be able to pay off, there is a signed contract for that on XX/XX/XXXX. I was informed on XX/XX/XXXX a pay off payment was made however, on XX/XX/XXXX i was informed that it was returned. XXXX XXXX informed me that he was going through IRS problems and his account was garnished. However, he reached out asked for another contract to be made so the XXXX could be paid off and resolved. On XX/XX/XXXX we then signed another contract stating he would pay the rest off by XX/XX/XXXX and that did not happen. I currently don't have the XXXX XXXX transit XXXX and i no longer can reach XXXX XXXX or anyone at XXXX XXXX XXXX sales. This is currently affecting my credit at it shows delinquent and i owe on something i do not have in my possession. He also stole my XXXX XXXX XXXX XXXX that i had housed on nationwide XXXX lot.
Consumer complaint received 2024-05-29
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)

on XX/XX/XXXX i receive a notification from credit reporting agency alerted me of a potential loan inquires which I'm not aware of XXXX XXXX ( XXXX ) ON XX/XX/XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (CA)

I was a authorized user on a XXXX XXXX  card with my wife she has recently passed away The collection company that XXXX XXXX has sold the debt is in many violations of the FDCA according to 15 usc 1692G they have been non stop harassing with calls and letters without any valid proof this debt is mine
Consumer complaint received 2024-08-15
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
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)

Since XX/XX/year>, Equifax employees have unlawfully accessed my credit report without my consent or knowledge, leading to the initiation of fraudulent and frivolous disputes. I have provided confirmation numbers related to some of these unauthorized actions : XXXX, XXXX, XXXX, XXXX, and XXXX. These actions have caused significant hardship and financial loss, as the disputes started by Equifax employees were on accounts that were either non-existent on my profile or on authorized accounts that were closed in good standing. 

Equifax employees have unlawfully deleted the following accounts from my credit report : XXXX. XXXX  XXXX XXXX account ending in XXXX XXXX XXXX. XXXX account XXXX in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX. XXXX XXXX mortgage account ending in XXXX XXXX I have never submitted any disputes regarding these accounts, all of which were closed in good standing. The deletion of these accounts has further damaged my credit profile and caused additional financial harm. 

I have reported this fraudulent activity and the ongoing behavior of Equifax employees to the XXXX XXXX Police Department, the FTC, the CFPB, the California State Attorney General, and the XXXX. Despite these reports, Equifax employees continue to commit fraud, initiating disputes and using information such as names and addresses of Equifax and the employees mentioned in the reports. These employees have also used these names to falsely claim that I disputed these names on my credit report. This fraudulent behavior has been ongoing for several months and has significantly impacted my financial stability. 

Despite multiple attempts to resolve these issues, the same employees continue to access my credit profile and manipulate accounts. This has led to the addition of fraudulent information, the initiation of baseless disputes, and the deletion of legitimate accounts that I have never disputed. The ongoing manipulations of my credit report have severely impacted my financial standing, making it difficult for me to maintain accurate credit information and leading to further complications in managing my financial obligations. 

Equifax 's unauthorized access and manipulation of my credit report are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which requires that consumer reporting agencies must have a permissible purpose for accessing a consumer 's credit report. Additionally, these actions may also violate California state laws that protect consumers from unauthorized credit report access and the mishandling of disputes. 

Attached documents are letters from credit furniture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX along with dispute letter to copies of identification, police reports, FTC identity XXXX theft reports
Consumer complaint received 2024-07-13
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX Partial Acct XXXX XXXXXXXX
Consumer complaint received 2024-08-15
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hindering my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account number : XXXX