davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX  : {$300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX : {$870.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (FL)

In XXXXXXXX XXXX I wrote a convenience check for {$3600.00} to take advantage of a promotional 0 % interest offer from PNC Bank on my business credit card account. The check posted on XX/XX/year> to my account. Since that time, PNC has been violating the Federal CARD act by applying! 00 % of my payments to the 0 % interest rate balance, while applying {$0.00} to the purchases balance which are accruing an 18.24 % interest rate. 
I have made multiple attempts to get the bank to correct the way they are applying payments. On XX/XX/year> I was able to speak to a representative that took a close look at the account. He identified and confirmed that I was correct about how the payments were being incorrectly applied. At that time the account was referred to the executive/corporate office to be corrected. Since that time I was contacted by XXXX XXXX through an email and multiple messages left on my voicemail ( many being inaudible as she mumbles so quietly that she can't be understood ). I have never been able to actually speak with XXXX XXXX as she has never answered her phone when I have called ( multiple times ), nor does she return calls at times when I can answer them despite my leaving messages explaining that I can not answer the phone while I am working, but I am available to speak on the phone at anytime on Tuesdays ( my day off ). I have also attempted to speak to other associates in XXXX XXXX 's office, but I have been told by them that I MUST speak to XXXX XXXX. 
I am attaching copies of the original promo offer from PNC, all statements on the account since the promo balance posted to the account, and my hand written notes from all attempted and completed communications concerning the account.
Consumer complaint received 2023-09-01
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. (MD)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account 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 Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX A XXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S.B.S. Trust Deed Network (CA)

I am contesting an alleged debt that was collected and untimely and negligently processed by SBS Lien Services on behalf of the HOA, XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. SBS Lien Services sent 2 ( two ) NSF checks to XXXX XXXX and XXXX XXXX Eventually, SBS Lien Services wired {$50000.00} ( HS # XXXX ) to XXXX XXXX There seems to be a complete disconnect between what has been posted on my HOA ledger account and what SBS Lien Services stated in their last communication to me on XX/XX/XXXX. 

MOST IMPORTANT DATES, AMOUNTS, and COMMUNICATIONS XXXX - I have paid, under protest, an alleged debt to my condo HOA, XXXX XXXX XXXX XXXX, using the HOAs hired debt collection agency, SBS Lien Services. I wired {$52000.00} to prevent the foreclosure of my condo. The wire was never returned to my bank. 

XXXX Received SBS Lien Services email acknowledging payment through XX/XX/XXXX. Lien on my property was removed days later. 

XXXX XXXX XXXX XXXX XXXX XXXX posted a {$50000.00} NSF check from SBS Lien Services on my ledger account and a NSF check fee. 

XXXX XXXX XXXX last day of services. XXXX XXXX transferred the HOA accounts to XXXX XXXX My transferred balance was {$37000.00}. 

XXXX XXXX day of new management company, XXXX XXXX 

XXXX XXXX 60-day late-fees grace period. 

XXXX XXXX XXXX XXXX legal fees '' of {$17000.00} to my HOA ledger account. How did XXXX know this amount was going to be for legal fees? 

XXXX XXXX posted a {$50000.00} NSF check XXXX # XXXX ) to my ledger account, along with an NSF check fee. 

XXXX XXXX finally posted a WIRE transfer ( HS # XXXX ) for {$50000.00} to my account. What information did SBS Lien not received from the HOA, which cause a delay in the timely disbursement of funds? 

XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX in Texas, requesting payment of a balance of {$55000.00}. The letter was sent via regular US mail. 

XXXX & XX/XX/XXXX I sent a certified mail to the HOA Board and XXXX XXXX requesting that they investigate the letter dated XX/XX/XXXX. I also sent a follow-up email regarding the certified letter. 

XXXX I called SBS Lien Services to request information about my account with them. XXXX XXXX advised me to send the specific requests via email, which I did on XX/XX/XXXX and follow up XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX from SBS Lien Services sent a brief response via email but failed to provide the requested information or answer my questions. She carbon-copied the president of the HOA Board on his business/personal email ( XXXX ) instead of using the HOA Board email ( XXXX ) or including the other Board members. It is inconceivable to think that SBS Lien Services had my money for over five months sitting in their bank without informing me.
Consumer complaint received 2024-01-19
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-08-14
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 file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All is being investigated by the FTC and CFPB. According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2024-07-27
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)

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( XXXX ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Consumer complaint received 2024-01-19
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made sure that payments on this account are made on time, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

There has been an improper use of my credit report which shows some addresses and employer that I am not associated with. I do not have anything to do with the following addresses, irregular report of my personal information violated my consumer rights has none of this addresses are associate with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am so beyond frustrated, I have been trying to address the errors and solve this problem with your agency and corporations and debt collectors and have continuously been ignored. I am now having to escalate things, because I am not being treated fairly and my complaints continue to be disregarded. I am needing to escalate things to a legal complaint, because these errors are invalid and unverified yet continue to stay on my report without knowledge of accuracy or my permission.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

I received a physical mail stating that I owe {$590.00} because of an unpaid debt to " XXXX '' ( versus XXXX XXXX XXXX ). 

I have had an account on XXXX since XX/XX/2007 and have 100 % positive feedback, not least of which is because I immediately pay all of my bills. 

I did not respond back to the group who sent this mailing since it seems like a scam. XXXX does not have any messages about outstanding payments and, importantly, hasn't blocked my access because of any failure to pay. 

I'm very hopeful that CFPB can assist since internet searches show that many people have received similar, fraudulent mails from this company over the years. 

Will you please help me with this? 

Regards
Consumer complaint received 2017-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC. (OK)

XXXX XXXX XXXX, XXXX, posted a trade line on credit reporting agencies for a debt not owed to CASHNET. XXXX XXXX XXXX, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.
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: EQUIFAX, INC. (AL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA, XXXX XXXX LexisNexis Risk Data Management Inc. 
LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LexisNexis Risk Data Management Inc .

Subject : Request for Method of Verification - Bankruptcy Information Consumer Report Reference Number : XXXX Dear Lexis Nexis Consumer Center, I hope this letter finds you well. I am writing to request specific details regarding the method of verification employed by Lexis Nexis in there porting of bankruptcy information.I recently received information from your database indicating the presence of a bankruptcy entry on my consumer report. In light of this, I am seeking clarification on how Lexis Nexis verifies and validates such bankruptcy information. 
Please provide the following information : 1. The specific procedures and methods used by LexisNexis to verify bankruptcy information. 

2. Any documents or criteria utilized in the verification process. 

I understand the importance of accurate and verified information within consumer reports and I am eager to ensure the integrity of the data associated with my profile. I kindly request that you respond to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is crucial in addressing and resolving discrepancies related to my consumer report. 
If there are any specific forms or additional information required to facilitate this request, Please do not hesitate to inform me. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated time frame. 

Sincerely, XXXX XXXX Reference # : XXXX
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the XXXX XXXX XXXX and shall be used as evidence in pending litigation  provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to Transunion and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed XXXX. XXXX XXXX, XXXX. XXXX & XXXX XXXX, XXXX. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (RI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : account number In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

This account was charged off on the following date : XX/XX/2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldnt include an active payment history. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This letter is being sent to you pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809. You violated the FDCPA Sec. 809 ( a ) by not providing the written notice specified in that section within five ( 5 ) days of your initial communication. 
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that.