davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (CA)

I am submitting to follow up on the matter of several remaining fraudulent inquiries that I have diligently disputed on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 605b, credit reporting agencies are mandated to remove and block any inquiries or items listed on an identity theft report. I am requesting your assistance in ensuring the removal of the following fraudulent inquiries from my credit reports : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to update my credit reports within a 15-day timeframe and expected these remaining five fraudulent inquiries to be expeditiously removed as per FCRA guidelines .
Consumer complaint received 2023-10-24
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)

I've revealed many times now that I've been a victim of identity theft. You must remove/block any items opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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. (CA)

I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. This is one of my numerous request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. I reviewed my credit report and that I saw that you have recently began to report me late on this accounts. I also stated that I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the bureaus and that they said you verified the lates to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I never applied for credit or authorized anyone to use my personal information to obtain credit from XXXXXXXX XXXX XXXX XXXX XXXX I have no knowlege of ever owing this bank any money. I received a letter in the mail stateting that I owe {$530.00}. 
I have been notified through the mail by Midland Credit Management Inc. who is attempting to collect this debt. The original creditor is XXXXXXXX XXXX. Furthermore, I am reporting this debt as fraudulent.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

I got a copy of my credit report from this credit bureau but the information listed needs to be updated as wrong information is listed. They have my wrong address, telephone number, profession and salary. The correct information is listed below : Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida, XXXX My telephone number is : XXXX My profession is : A XXXX XXXX XXXXXXXX with XXXX XXXX Salary is {$200000.00} per year. 
Kindly update my demographics with the correct information please.
Consumer complaint received 2023-10-24
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. (NV)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Balance : {$40000.00}
Consumer complaint received 2023-10-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Open Date XX/XX/2015 XXXX : {$500.00}
Consumer complaint received 2023-10-24
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. (FL)

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Based on these two accounts : XXXX. XXXX. # XXXX XXXX. XXXX # XXXX In accordance with the Fair Credit Reporting Act, I filed a complaint with TransUnion, XXXX and XXXX that my consumer rights to privacy and confidentiality had been violated. 
15 U.S.C 1681 C section A ( 5 ) States no consumer reporting agency may report any consumer information containing any of the following items : 1. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 166B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

I sent all three agencies certified letters stating the aforementioned consumer laws and still nothing was done.

The accounts must be deleted from my file if they can not abide by the rules and laws put in place by the government.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX. Transunion failure to remove a XXXX XXXX XXXX, an identity theft account after providing the proper documents. ( XXXX XXXX XXXX  ) And, XXXX. Transunion still has not removed inquiries ( XXXX ) from my credit file that was provided to them in an identity theft report and police report ( XXXX inquiry ) This is fraud. 

If you read the documents attached, it is indisputable that my complaint is accurate. 

Please remove the fraudulent collections account and the XXXX inquiry and the attached documentation supports this complaint.
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TN)

I contacted the company and asked for proof they could collect on the debt after it being written off by the original company and proof the debt belonged to myself with signature proof, license, etc. proof that I was binded and obligated to pay the company that purchased the debt. They only provided an account summary which provided none of the information which I asked for and they continue to call my phone repeatedly and send emails when Ive asked them for contact via mail only.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check to my business checking account at Bank of America via the mobile deposit app on Thursday, XXXX When I entered the amount of the check I made a typo and put in {$1400.00} instead of {$2400.00}. I notified the bank and they said it would be corrected when they processed the check. It was corrected when it was processed, however, Bank of America put the check on a 7 business day hold! The check cleared XXXX XXXX on XX/XX/ and the money was removed from the XXXX XXXX account. 

Bank of America will not explain why they are still holding the deposit despite the fact that they money has been transferred from XXXX XXXX to Bank of America. I have spoken to Bank of America 5 times and they opened a case to see if they could get the processing team to expedite the hold, but it has not happened. 

Can you please help me find out why Bank of America will not release the deposit which has already cleared XXXX XXXX?
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (PA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

ON XX/XX/XXXX OR XXXX 2023, I WENT ONLINE TO MAKE A PAYMENT TO MY ACCOUNT I PAID THE PAYMENT FOR THE MONTH OF XX/XX/2023 HOWEVER AFTER I CLICKED SEND I SEEN THAT I COULD GET A DEFERRAL FOR THE PAYMENT OF XXXX I ACCEPTED IT. THIS WAS NOT DURING BUSINESS HOURS THAT THE PAYMENT WAS MADE SO THE FOLLOWING BUSINESS DAY I CALLED AND SPOKE WITH XXXX XXXX FROM MERCEDES BENZ FINANCIAL I TOLD HER I DID'NT KNOW I WAS ELIGIBLE FOR PAYMENT DEFEREAL FOR THE MONTH OF XXXX COULD IT STILL BE APPLIED SHE SAID YES I ASKED HER WHAT WILL HAPPEN WITH THE PAYMENT THAT WAS JUST MADE SHE ADVISED ME IT WOULDNT BE APPLIED TO THE ACCOUNT BECAUSE I ASKED FOR THE DEFREAL SHE ADVISED ME TO CALL MY BANK AND HAVE THEM REJECT THE PAYMENT OR TO WAIT AND MERCEDES BENZ FINANCIAL WOULD EVEN RETURN THE PAYMENT BACK TO ME. SO WHAT I DID WAS I CALLED MY BANK TO HAVE THEM REJECT THE PAYMENT WELL ON XX/XX/2023 XXXX XXXX FROM XXXX XXXX XXXX CALLED ME AND TOLD ME THE ACCOUNT WAS XXXX PAST DUE I EXPALINED THE SITUATION AFTER A LONG HOLD I WAS ADVISED THE DEFERAL WAS APPLIED TO XXXX AND I WAS GIVEN THE WRONG INFORMATION AND THERE WAS NOTHING THEY CAN DO I ASKED TO SPEAK WITH A MANAGER BECAUSE I WANTED CLARIFICATION ON WHY THIS WAS DONE AS I WAS CONCERNED ABOUT MY CREDIT SCORE SHE ADVISED ME SHE WOULD HAVE A MANAGER CALL ME BACK I TOLD HER WHY DID YOUR OFFICE TELL ME TO HAVE MY BANK REJECT THE PAYMENT SHE JUST SAYS I DONT KNOW A FEW HOURS LATER XXXX XXXX CALLED ME AND TOLD ME BASICALLY IT WAS TO BAD THAT I WAS GIVEN THE WRONG INFORMATION AND THE PAYMENT WAS NOT APPLIED TO XXXX AND IF I HAD ANY ISSUES TO CONTACT THE CREDIT BUREAUS BUT I TOLD HER WHY DO I HAVE TO CLEAN UP THE MIS INFORMATION YOUR TEAM GAVE ME I ASKED TO SPEAK TO UPPER MANAGEMENT SHE WAS VERY RUDE AND SAID THE MANAGER IS OUT OF TOWN NOT SURE WHEN HE WILL BE BACK SHE WAS HESISTANT TO GIVE ME HIS NAME SHE FINALLY DID HIS NAME IS XXXX XXXX PLEASE BE ADVISED ALL THE CALLS ARE RECORDED
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom this may concern : This credit card company sold this account to credit control a debt collection company.

I made 2 payments to them in the amount of {$170.00} on XX/XX/XXXX, they are still reporting to the credit bureau XXXX as being late every month when this account has been Charged-off and account Closed since XXXX. 

I've disputed this account several times not getting any positive results. 

creditor : Kohls/Capital One XXXX box XXXX XXXX, WI XXXX XXXX Thank you XXXX XXXX
Consumer complaint received 2023-06-05
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023, I submitted a credit dispute regarding account XXXX to all three Credit Bureaus. However, the results I received indicated that the account had been charged off as bad debt. This contradicts the previous information on my credit report, which stated that the debt had been included in my bankruptcy and should have been removed. The Credit Bureaus inaccurately updated the information to reflect the account as charged off as bad debt on my new report. 

Furthermore, XXXX indicated that the account was charged off in my bankruptcy but still showed on-time payments. I have not received proper verification or documentation from the Credit Bureaus to substantiate their findings in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 standards.
Consumer complaint received 2023-04-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (VA)

student loan debt being reported as owed balance of XXXX. need to be updated as paid in full per 12 usc 1813. Ive disputed this debt through the 3 major credit burreaus and they have not updated nor resolved the issue on my reports.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023 I went to withdraw funds from account and wasnt able to. I went into the bank to find out why and was told my account was closing with no reason given. I didnt receive any type of notices that my account was closing. I have over a XXXX in my account for bills and expenses. That Im unable to access. Bank of America said it can take up to 30 days to receive a cashiers check.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-24
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.