davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: USCB, Inc. (CA)

I encountered challenges with a medical collection account ( USCB AMERICA, Account Number XXXX ) on my credit report. Despite efforts to address it, the account adversely impacted my ability to secure housing. I believe there are inaccuracies and discrepancies as per FCRA Section 623 ( a ) ( 2 ). The reported amount is {$750.00}, and the account status reflects a past due amount as of XX/XX/. I have taken steps to improve my financial standing, and I kindly request a thorough investigation and removal of the disputed information as guided by FCRA regulations. When I called they said I needed to pay {$830.00}
Consumer complaint received 2023-11-08
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. (NJ)

starting with date XXXX XXXX for XXXX was paid at a XXXX XXXX. multiple more items from XX/XX/2022 until XX/XX/XXXX when we closed the account. All were ach ; s such as a XXXX ach, plus many other web payments specified. There are way too much to list. The was also directg web payments not done by me. The total amount of money aken from the account was XXXX of what I was able to determine. PNC will not refund close to XXXX of my money. This has been going on for 14 months in which they only sent a check for XXXX. They claim they closed the issue and will not return or credit the rest of the balance. They are claiming the the money not refunded was done by me. It was not. People were paid with my money out of state including mortgage, credit cards car loans etc.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my XXXX attempts to inform the XXXX credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2023-09-18
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. (NY)

The following 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 hindering me from getting a new car and a mortgage for a house because my credit report has compromised. The above accounts and inquiries are fraudulent and I want those accounts removed from my report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My complaint to the CFPB lays bare XXXX ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, XXXX has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, XXXX shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of XXXX ' systemic failure in reporting practices. XXXX XXXX in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even three years later, on XX/XX/XXXX, my credit reports still reflect XXXX ' mistake. This settlement was completed in XX/XX/XXXX, yet XXXX persists in its dishonesty despite confronted with clear irrefutable facts Money orders do not bounce! XXXX inexplicably continues to perpetuate this falsehood. It's time for XXXX to acknowledge their wrongdoing and take immediate action to rectify this injustice.
Consumer complaint received 2023-12-06
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (NY)

on XXXX a charge was made to my visa card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - this was a fraudulent charge and not from my XXXX account XXXX XXXX claims that when they submitted the charge they provided FNBO Visa with the details of the transaction ( such as the XXXX account and email ) - FNBO claims to not have those details and authorized the charge anyway - FNBO will not provide the information for XXXX to pursue the fraud and without that information, XXXX can not remove the charge from the account - FNBO will not dispute the charge and will not work with XXXX to resolve the issue. FNBO has forced me to close the account and open a new account before they will investigate the fraudulent transaction, which in turn disrupts my ability to autopay several associated accounts ( such as car insurance, auto insurance, internet services, streaming services, food delivery services, cable TV services )
Consumer complaint received 2023-11-07
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. (MA)

I submitted a letter to the Transunion and XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I see that you verified the account listed below : XXXXXXXX XXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXXXXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXX XXXX  Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXX  | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request an investigation into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days of receiving a consumer dispute. I kindly request that you initiate an investigation into the inaccuracies I have identified and inform me of the results upon completion of your investigation.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

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  Account # XXXX ; has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX 15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 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 accurate.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Given the current economic challenges we face, I can not afford to have incorrect data negatively impacting my credit score. I am aware that you are required to complete your investigation within a thirty-day timeframe, and I will anticipate receiving an updated copy of my credit report reflecting these corrections within thirty ( 30 ) days. XXXXXXXX XXXX XXXXXXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-02-27
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Premier Lending Corp (WI)

I have been receiving calls for over a month from XXXX Premier Lending regarding a loan application which I never submitted. They call me from multiple numbers every day and leave voicemails. I block every number when they call but it never ends. It says to Press 1 to speak with someone or speak 9 to be removed from the list. Every time I press 9, but it doesnt ever stop. I have not personally noticed any charges or identity being stolen, but it doesnt mean it hasnt been. Im unsure how to make this stop. I probably get XXXX calls a day. Please make it stop.
Consumer complaint received 2024-07-30
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)

This account was charged oof on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (OR)

Hello, I filed a complaint to get on XXXX plan and EdFinancial was able to FINALLY get me on the plan after repeated calls. I made my first student loan payment before my due date of XX/XX/23. I noticed that my interest kept accumulating and was not waived. I talked to a rep who didnt understand that interest rates should be waived on XXXX XXXX. I actually had to read the studentaid.gov website information to her regarding interest rates being waived on XXXX. Asked for a supervisor who said that the interest would be waived after my due date of XX/XX/23. The due date came and went and my account has been accruing interest like crazy. It has not been waived AT ALL. I called again and another representative agreed that the interest rate should have been waived and my balance should be lowered than what it shows. She said it will go to their account department. I havent heard back and every day my interest accrues and my balance keeps growing. Im 100000 % certain that EdFinancial is unlawful and frauding borrowers.
Consumer complaint received 2024-01-24
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: TD BANK US HOLDING COMPANY (PA)

On XX/XX/24 - I got a hard inquiry on my credit report from XXXX XXXX XXXX ( XXXX ) XXXX. This is a fraudulent activity or identity theft On XX/XX/24 - I got another hard inquiry on my credit report from Td Bank N.A ( XXXX ) XXXX. This is also a fraudulent activity or identity theft I have not been able to contact anyone at those banks since I am not a customer. I called XXXX and placed a freeze and fraud alert on my credit report.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Within the last 90 days I've begin to monitor my credit report and noticed that Equifax has been inaccurately reporting my XXXX account on my credit profile. I contacted Equifax regarding inaccurate information. Equifax is in violation of 15 U.S.C. 1681 by continuing to report inaccurate information to my credit report affecting my credit worthiness. 

Equifax is reporting inaccurate Balances, High Credit Limits, Reporting Dates, Active Dates, and Payment Information. That's totaling XXXX errors. The inaccurate reporting is a clear violation of the FCRA, as it compromises the integrity and fairness of the credit reporting system.
Consumer complaint received 2023-12-05
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 
My credit was ran by a car finance company 16 times I have contacted the credit reporting agencies and they advised me they couldnt assist with removing them and to contact the creditors. I contacted the creditors and they told me to contact the Credit reporting agencies to get removed. They are sending me back and fourth and no one is actually helping me get these unauthorized inquires removed.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-08
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)

I had a XXXX credit card with XXXX. When I XXXX XXXX, I called the creditor, made a payment arrangement, then paid off the XXXX  credit card, I then lost my purse with everything in it. As soon as it happened, I reported it to XXXX, yet XXXX did not close the card on that date and unauthorized charges came through, then XXXX denied my access to online banking and I was unable to view my statements. XXXX never advised me to file a police report. I disputed the unauthorized charges with the merchant, but it appears I did not purchase the identity theft feature that they offer, and I did not file a police report, because I did NOT have my purse stolen, I lost my purse. I have also requested itemized statements from XXXX but they have not provided them. They told me they can only provide itemized statements if I pay for the statements. On XXXX of 2023 I ran my credit report on XXXX, because I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That's when I saw that XXXX was inaccurately reporting. I reached out to XXXX, but they asked for a police report. I told them I was willing to pay the unauthorized charges, because I need to be approved for a loan for XXXX XXXX XXXX verbally agreed to delete, if I paid {$160.00}. I paid {$160.00} on XX/XX/2023 with Check # XXXX, but the inaccuracy of {$160.00} was not deleted, they are still reporting late payments and I never received my {$200.00} security deposit.