davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
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)

CARD ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx. 6 years ), Experian also stated " Average age of your accounts : 7 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101. 
In the consumer report dated XX/XX/XXXX, XXXX stated " Your oldest account was opened : 10 months ago ''. In that same report, XXXX reports an open account " XXXX  XXXX  - ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx.11 years ), XXXX also stated " Average age of your accounts : 9 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (GU)

I filed Chapter XXXX in XXXX was granted an Order of Discharge in XX/XX/XXXX. While seeking Judgement for my Bankruptcy I reaffirmed my auto and personal loans with, Pentagon Federal credit union. I have made every payment to both on time, never missing a single payment. I currently have a Checking and Savings Account, I make a monthly deposit from {$850.00} - {$1200.00} to my checking account to cover my auto and personal loans and my life insurance payment. 
On XX/XX/XXXX At the end of the year XXXX party, I was recognized for 25 years of service and received a nice plaque and a check for {$2500.00}. On Monday the XX/XX/XXXX I deposited said check into my Penfed checking account. On Tuesday the XX/XX/XXXX, I went to the credit union to withdraw. I was then told that my Checking Account was BLOCKED as of the XX/XX/XXXX,  and they couldn't let me have my funds! I asked why and they stated The auto loan was a Bankruptcy and my personal loan was a charge off. I stated that was incorrect both accounts were in Chapter XXXX but I also reaffirmed both loans and have been making on-time payments. I've gone back several times hoping they realized they just can't hold someone's money from them. But no, I was wrong so I went back today todo an Inquiry got my Balance Then I tried to withdraw and was told on the receipt " the transaction could not be completed. No XXXX for my wife and kids this year as well as No NEW YEARS. I'm trying to rebuild my credit and recover from filing chapter XXXX. I chose to open an account with the Pentagon Federal credit union because they know the Rules. Now I choose to remove my money and they will NOT allow me to! I will be meeting with my Bankruptcy Attorney next week. Thanks for the awesome XXXX and new years 25 years of service will get you. {$0000.00}
Consumer complaint received 2024-06-05
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)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-02-06
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. (PA)

On XX/XX/2018 XXXX loan submitted my credit for a loan that was taken out by another person. They addressed all the information and made the loan in this person name and used my social. I have contacted them to fix the error they made and to take it off of my credit report.
Consumer complaint received 2019-12-31
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: EQUIFAX, INC. (PR)

I am a victim of identity theft. I requested to the three major credit bureaus ( Equifax, XXXX  and XXXX   ) to block unauthorized charges from credit report under FCRA 605B. I sent letters to the three agencies with a copy of my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. XXXX   and XXXX successfully blocked all unauthorized charges from my credit report as directed by section 605B of the Fair Credit Reporting Act. Both of the agencies placed an extended fraud alert on my credit file. But Equifax was unable to locate my credit file. Then they asked for two documents : one to verity identification and the other one to verify my current address. I sent to them a copy of my social security card to verify my identity and a copy of my drivers license to verify my address. Again, they were unable to locate my credit file with the documents that I provided. They kept sending letters asking for the same two documents. I sent to them in four different times the documents they requested : a copy of my social security card and a copy of my drivers license. Also, I sent to Equifax a copy of a police report and the ignored me. Im frustrated because I did not had any type of problems to clean my credit report with XXXX  and XXXX. I want to clean my credit file and place an extended fraud alert just like XXXX and XXXX   did. Here I attach a copy of the police report, copy of the Federal Trade Commission Identity Theft Report and copy of the four letters that Equifax sent to me.
Consumer complaint received 2024-06-05
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. (GA)

privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number XXXX 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 2024-05-10
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. (NV)

Ive noticed that XXXX  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 XXXX 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 XXXX XXXX XXXX XXXX ( XXXX XXXX ) 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. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Consumer complaint received 2023-11-01
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. (NY)

Experian has complete False information on my credit report addresses phone numbers Spouse. They also had a Hard inquiry from chase on my report that was fraud on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under dispute Resident type Spouse or co-applicant XXXX  Under dispute Personal statements ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at ( XXXX ) XXXX so we may better assist you. 
Add personal statement Names For your protection, names are typically not disputable online. Please for assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PR)

The company CREDENCE RESOURCE MANAGE with address XXXX XXXX   XXXX, XXXX, MI XXXX USA placed in my credit report a collection for a XXXX on XX/XX/2019, but it appeared in my XXXX   account on XX/XX/2019. I tried to find Credence Resource Management Website to write them by email but apparently they don't have one. On XX/XX/2019, I contacted Credence Resource at phone number XXXX and spoke with XXXX XXXX. I gave my name, address, phone number and last 4 digits of muy SS number to validate my identity but he requested my full SS number. I told the customer representative to validate my information and identity with the information I gave him but, he continued asking for my full SS number which I refused. I contacted XXXX XXXX at XXXX and spoke with XXXX XXXX to verify if I have a due balance with the company and upon verification, he notifies me that my balance as of today XX/XX/2019, is XXXX. Also, I asked XXXX XXXX from XXXX XXXX if his company has also the name XXXX XXXX  which he responded that their name is only XXXX. Searching the Web for Credence Resource Management at forums I found that Credence Report Management is a scam company using the tactic of money collection. There are many complaints about this fake company calling for debt collection.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-01
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)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (WA)

There was a collection report to my credit from XXXX XXXX. I had no clue who this was and have never heard from them. I filed a dispute as I did not know who this was. I called and after being transferred around multiple times was finally told the original creditor was XXXX. I called XXXX and learned the debt was sold to XXXX for less than {$1800.00} total debt. I have made multiple attempts to resolve the debt with XXXX and XXXX XXXX whom has reached out to me regarding the debt via email after I contacted them. They are telling me the debt is over {$3000.00} in a matter of months from receiving from original creditor. I asked for an accounting of what I am being charged for as it is not adding up. THEY ARE REFUSING TO GIVE ME AN ACCOUNTING TO RESOLVE THE ISSUE. IT IS BEING REPORTED ON MY CREDIT AS NEGATIVE AND NO WHERE NEAR THE AMOUNT OF {$3000.00}. I CAN NOT RESOLVE OR PAY A DEBT THAT THEY ARE REFUSING TO TELL ME WHAT I AM PAYING FOR YET REPORTING NEGATIVELY ON MY CREDIT!
Consumer complaint received 2023-11-01
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. (LA)

I accordance with the Fair Credit reporting act, the following accounts listed below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX account # XXXX XXXX/ XXXX XXXX XXXX account # ending in XXXX XXXX XXXX  account # ending in XXXX XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NH)

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 2023-11-01
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. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-01
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. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
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. (FL)

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 2024-05-10
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. (FL)

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 XXXX XXXX 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; SOLVERITY - XXXX {$5200.00} XXXX XXXX  - XXXX {$2300.00} XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX IN - XXXX {$19000.00} XXXX  - XXXX XXXX - XXXX ACCOUNTS XXXX  - XXXX {$100.00} 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