davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX blance {$4600.00}, XXXX  XXXX etc. There are 12 of these accounts open. This letter is addressing all 12 accounts. U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****Balance : {$380.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$270.00}
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

EXPERIAN IS REPORTING XXXX LATE PAYMENT ON MY LOAN WITH XXXX  FOR XX/XX/XXXX AND XX/XX/XXXX. I HAVE NOT MISSED MY XXXX PAYMENT AS I HAVE PROOF THE PAYMENT WAS MADE EARLY ON XX/XX/XXXX. LASTLY I CONTACTED XXXX IN REGARDS TO XX/XX/XXXX PAYMENT BEING REPORT LATE AND THIS ALSO CORRECT DUE TO A BILLING ERROR. MY PAYMENTS ARE DUE ON THE XXXX OF EACH MONTH. A PAYMENT IS NOT REPORTED LATE TO CREDIT BUREAUS UNTIL IT IS XXXX  DAYS LATE. I MADE MY XXXX PAYMENT AND XXXX PAYMENT BOTH ON XX/XX/XXXX IN THE AMOUNT OF {$500.00}. I AM AWARE THAT THESE LATE PAYMENTS ARE 100 % INNACCURATE AND I WANT THEM REMOVED IMMEDIATELY AS THEY DONT REFLECT A HONEST REFLECTION OF MY PAYMENT ABILITY. ACCORDING TO 15 USC 1666 CORRECTION OF BILLING ERRORS I AM AWARE THAT BOTH LATE PAYMENTS MUST BE REMOVED AND PROPERLY INVESTIGATED.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MO)

XX/XX/21, did a wire transfer from XXXX XXXX acct XXXX to PNC bank acct XXXX. This was for the purchase of a classic car. The car was fake and I tried to get wire transfer cancelled/ reversed without any luck
Consumer complaint received 2023-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

I obtained a loan from XXXX XXXX XXXX and was NEVER delinquent ; however, a contractor that I hired stole items from my home and account information. I reported this information to the XXXX Police Department and filed an insurance claim. During the investigation, my loan payments were delinquent as a result of IDENTITY THEFT and PROPERTY THEFT. There were other bank accounts and credit cards open in my name. I am requesting XXXX XXXX XXXX to remove the negative payment history from all three credit bureaus since I am attaching a copy of the police report related to this incident.
Consumer complaint received 2022-11-04
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. (TX)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 c. ( 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 1681 s-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 2023-02-02
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)

I called TransUnion and XXXX after I purchased a credit report with IdentityIQ on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to XXXX and TransUnion on XX/XX/23. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX : {$14000.00}
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (TX)

XX/XX/2022 credit card balance was decreased from {$1000.00} to {$300.00}. Reason because Im over the balance regularly and high utilization. Im never over the balance not once. I called to get a reason why the decrease because it dropped my credit score XXXX points but Im told the letter that was sent is confidential and no one could tell me why,
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (TX)

" Resident Verify '' and " XXXX XXXX '' is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian, XXXX, and XXXX XXXX report on XX/XX/XXXX and XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Resident Verify or " XXXX XXXX '', Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (TX)

My account became overdrawn by the amount of $ XXXX on XX/XX/2023. 

At XXXXXXXX XXXX XXXX on XX/XX/2023 an amount of {$64.00} bringing my balance to {$53.00}. 
I then made a charge of {$27.00} bringing the balance to {$25.00}. 

At approximately XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 I was informed that my account was overdrawn again. This is due to PNC charging me {$72.00} in overdraft fees on XX/XX/2023, despite already bringing the account to a positive balance. I had made no other charges during that 3 hour period to make my balance negative again. They just charged me the fees as if I hadnt made the account balance positive. 

I reached out to try and have the charges reversed, but the bank refused to help in any way.
Consumer complaint received 2023-03-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX  XXXX Late Payment Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off AccounXXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX BANK XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquirie According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 

I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 

I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX please 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 2017-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  SOUTHERN MANAGEMENT for reporting credit information  to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2023-02-15
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a Natural Person, I am a living Human Being, I have rights under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of incorrect addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I co-signed a loan for my son on or about XXXX, XXXX. I believe the amount was for {$16000.00}. Navient last contacted me in writing on XX/XX/XXXX. It was dealing with XXXX, not payment of the loan. The last phone call from Navient to me was on XX/XX/XXXX and indicated no co-payment was due at that time. 

Recently, without contacting me first to discuss the loan, Navient reported to the credit agencies that I was in default on the loan, which was not true.My credit went from good to fair. We intend to move to a new apartment, but the reduction of my credit rating has stalled our move. 

NAVIENT MUST IMMEDIATELY REMOVE THE FALSE CREDIT ALLEGATIONS FROM THE CREDIT BUREAUS ' REPORTS. THEY HAVE LIBELED MY CREDIT AND CAUSED ME DAMAGE. 

Further, this loan is now terminated by the California Statute of Limitations, which is four years. Navient has filed no lawsuit on the loan for more than four years after the last payment on the loan was made, and the loan is no longer enforceable. NAVIENT NEEDS TO IMMEDIATELY TERMINATE THE LOAN. 

Please call me if additional information is needed. Thank you for the help.
Consumer complaint received 2017-05-16
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: ALLY FINANCIAL INC. (AZ)

I have over  XXXX  hard inquiries that I did n't authorize anyone to do on my credit, and they wo n't remove them from my credit report, different dates and companies and many are the same with different dates
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-03-26
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)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

Hi, I am filing a complaint due to inaccuracy being on my credit report. There's two dismissed XXXX XXXX XXXXs on my credit report. Letters and request online has been sent to have them removed. Information was submitted incorrectly and resubmitted without my knowledge. There is also a XXXX XXXX on my report that has been requested to be removed letters and request online has also been submitted but it has not been removed. I have advised the bureaus that the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately however no action has been taken. 

Bankruptcy disputes were sent on XXXX XXXX XXXX XXXX, and XXXX
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act the account 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX