davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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: PENTAGON FEDERAL CREDIT UNION (GA)

on XX/XX/XXXX i requested I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


on XX/XX/XXXX i requested I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2023-07-07
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 15 U.S.C 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 2023-10-20
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

I AM REQUESTING THE OMBUDSMAN DEPT. TO AUDIT MY ACCOUNT AND INVESTIGATE XXXX MATTERS : XXXX. AUDIT MY ESCROW/INSURANCE ACCOUNT FROM YEARS XX/XX/XXXX TO XX/XX/XXXX. RUSHMORE SERVICING UNJUSTIFIED FEES OF {$140.00}, THEY OWE ME OVER {$8000.00} SINCE I HAD PROVIDED THEM PROOF OF MY OWN XXXX INSURANCE COVERAGE FOR MY XXXX XXXX, FOR SEVERAL YEARS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PENNSYLVANIA XXXX, POLICY XXXX. AGENT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE XXXX XXXX. I PURCHASED MY XXXX XXXX {$700000.00} MANY YEARS AGO PUTTING 20 % DOWN TO XXXX XXXX XXXX  XX/XX/XXXX TO ELIMINATE PROPERTY MORTGAGE INSURANCE OR LENDER PURCHASED XXXX DESPITE THAT THE BANK HAS BEEN CHARGING ME PMI HIDDEN FEES AND ESCROWED PMI AND THEY REFUSE TO FULLY CREDIT MY ACCOUNT OWING ME SEVERAL YEARS. PLEASE HELP, THIS MATTER IS UNETHICAL SELF SERVICING VIOLATING FEDERAL BANKING LAWS.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
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. (GA)

I was robbed and a victim of identity theft. I filed a police report and a FTC report and submitted them into the credit reporting agencies with my disputes according to the FCRA. The disputes have not been filed correctly and the paperwork has not been attached to my disputes. I haven't received copies of the verification process.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

My personal information has been stolen and sold to consumer reporting agencies therefore I am a victim of identity theft.

I have tried disputing such claims however nothing has been done. This is effecting my reputation and everyday living.

Pursuant to 15 USC 1681a ( d ), 15 USC 1602 ( L )
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Dear Experian, I am writing to address unauthorized transactions appearing on my consumer report, which I did not authorize or instruct to be included. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Kindly remove it from my credit report. 

Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Kindly remove it from my credit report. 

Account : XXXX  XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Kindly remove it from my credit report. 

It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Experian making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within 10 calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-07-03
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. (NY)

AS OF XX/XX/XXXX I HAVE DISPUTED THIS FRAUDULENT ACCOUNT LISTED BELOW THE COMPANIES INVOLVED ARE IM VIOLATION OF THE " FAIR CARES ACT " LAW THEY TOOK MORE THAN 4 MONTHS TO RESPOND XXXX XXXXXXXX XXXX 25 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$810.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY LEGEND Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$810.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

Amendment to XXXX. I asked about the extra payments and was told if I was late, the interest is more. I responded that I understood, but that is at the end of the loan, and they did not seem to understand. I realize that I have a fixed price I paid upon the car, and that interest compounds. If the company says I owe this much, and then I pay it, then tells me a few days later that I missed a payment? Because they added a payment to my account, that is not acceptable. Anything extra should be put into the payoff payment...
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A lender ( XXXX XXXX XXXX ) withdrew a specific amount {$750.00}. From my personal checking account, after they were already paid in full for the loan. I notified the bank, and they still authorized the transaction causing my account to be over drawn - {$750.00}. They are still charging me monthly maintenance fees as well. This is disheartening.
Consumer complaint received 2023-10-20
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. (PA)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they did not provide me with the original application like i asked.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/23 I received an email from CHASE stating that they had received a credit card application from me and was being processed. I did NOT try to apply for a credit card with them. I also received an email from XXXX XXXX stating I had a Hard Inquiry on my account now which effects my Credit Score. I contacted CHASE and have since received two letters from them. The first letter, containing my name and address, just states my request for a credit card needed more information. Reminder I NEVER sent in any application for a credit card with them or any other company. 
The second letter from CHASE, this time containing someone else 's name but with MY address came saying someone has tried to fraudulently open a credit card under their name. CHASE screwed up this paperwork as I am the one who had someone try to open a credit card with my info!! 
I need this taken care of and for my credit score to resume to the score it was before this fraudulent action put on a fake Hard Inquiry to my account!
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

Good morning! 

Thank you in advance for your help. After many calls and hours of my time, I've been instructed to file a formal complaint to address the collection effort tied to my identity. I recently received yet another collection notice from FCO ( Fair Collections & Outsourcing ) detailing debt owed to XXXX XXXX XXXX, a residential apartment building located in XXXX, CO. I use the term " yet another '' since this issue has been addressed with FCO in the past, but unbeknownst to me- it has not been resolved and I have been negatively impacted as a result. For added context, I've never lived at this property, nor have I been affiliated with this property in any capacity. Despite this claim, FCO representatives have insisted that I complete a fraud packet and file a police report. 

Since then I have contacted the creditor ( XXXX XXXX XXXX ) directly and confirmed that the debt they submitted is assigned to a different individual with a similar name. They also confirmed that the information submitted to FCO was not mine. In conclusion, this seems to be a clerical error that FCO is responsible for. Despite this revelation, FCO representative XXXX XXXX insisted that I complete their fraud packet and file a police report. Given the information received from the creditor, I can no longer complete FCOs fraud packet, nor can I file a police report as my identity has not been stolen per the explanation above. I've made a good-faith effort to resolve this error with FCO, asking that FCO simply contact the creditor to resolve the issue. Again, I was met with resistance and a requested that I complete further legwork and file a police report. Lastly, I've confirmed that FCO has filed a derogatory mark with the credit bureaus, which has negatively impacted my credit score and ability to obtain preferred financing. 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-06
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)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023.
Consumer complaint received 2023-10-20
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 have dispute XXXX XXXX XXXX  negative reporting on my credit report every time it always comes back as verified from Experian. When I call to get prove of debt validation Im being told they dont have to get that information as long the debt collector tell them its correct. There is no investigation that is done to make sure the reporting is correct. I need accurate reporting if the debt cant be validated it need to be deleted and removed from my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-10-20
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-13
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX