davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX 10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 2023-03-14
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: CL Holdings LLC (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

They are reporting lates during a XXXX XXXX 
We hope to resolve this matter as soon as possible. 
A discharged debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those discharged creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to Page collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I was sent a letter XX/XX/23 saying I owed {$250.00} for an XXXX XXXX account that I do not have. 
I.C. System Inc. 
XXXX XXXX XXXX XXXX XXXX MN XXXX
Consumer complaint received 2024-05-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (MI)

I received a letter dated XX/XX/XXXX from XXXX Account XXXX XXXX. Claiming that I owed {$5000.00} to XXXX XXXX XXXX and XXXX Co. I requested validation of debt, but the document they sent did not match the amount they were trying to collect. This document listed a balance of {$650.00} that was charged off in XXXX of XXXX with no provision of any additional interest. Furthermore, the interest listed was over $ XXXX that accrued in just a XXXX period. On XX/XX/XXXX, I disputed the debt using XXXX certified mail, indignant that they would use such unscrupulous practices in attempt to collect a now time-barred debt. Nevertheless, I received a letter dated XX/XX/XXXX stating that I had failed to respond and they had reported the debt to a credit bureau.
Consumer complaint received 2023-04-21
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. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened : XX/XX/2015 Balance : {$6300.00}. Please update.
Consumer complaint received 2023-09-12
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. (DC)

I have repeatedly placed several diaputes with Equifax to correct an error on my credit report. I do not have a student loan balance with XXXX. My student loan was transferred on XX/XX/XXXX. Equifax refuses to correct their inaccurate and false reporting. This has been reported incorrectly for over 10 years. This is discriminatory and retaliation by Equifax. I do not have an installment loan balance. All of my student loans are paid off thru Public Student Loan Forgiveness plan via XXXX. XXXX has sent me a letter stating that they are not reporting any information to Equifax. XXXX has no record of my loan due to the transfer to XXXX XXXX XXXX over 10 years ago, which the loans were paid off under PSLf by XXXX. I sent the XXXX letter to Equifax to correct their error and Equifax has not corrected my credit report. Please sue for monetary damages on the basis of discrimination and retaliation. I have tried to correct this issue since XXXX XXXX and over several disputes to no avail. Please correct this issue. Equifax continues to lower my credit score everytime a place a dispute. This is retaliation. I have XXXX credit score with XXXX, XXXX credit score with XXXX and Equifax lowers my score down to XXXX and XXXX after each dispute. I have excellent credit. This is discriminatory practices by Equifax. The other two credit bureaus are not reporting this false information on my credit report, only Equifax. Even XXXX has stated in their letter that they are not reporting to Equifax, but Equifax for 10 years has stated and continues to state up to this day that XXXX is reporting every month a student loan balance over {$6000.00} under a installment loan balance and in good standing. The loan was transferred and paid. I have a XXXX balance. XXXX is not reporting anything to Equifax. It is a false investigation, false reports, inaccurate information and clearly discrimination and retaliation. Equifax refuses to correct their errors and continues to ruin and lower my credit scores which hurt my ability to obtain a lower interest rate, if l decide to purchase a car or house. Their low scores has impacted my credit for over 10 years. This should not even be on my credit at all. Its been over 10 years of false reporting and Equifax continues to report false information even to this day. Their investigation is false and inaccurate. The problem is not corrected and they just lowered my credit score again. Ever since l filed over several disputes since XX/XX/XXXX, Equifax has lowered my scores every month for no reason other than retaliation and discrimination. I have called, sent documentation and filed several disputes and nothing is corrected by Equifax. Please investigate, correct and sue for monetary damages! I want my credit report corrected and for Equifax to stop their discriminatory practices!
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

I applied to an apartment on XX/XX/XXXX and I was notified I have a balance on an apartment from XXXX. I was never a signed leaseholder on this apartment to start off with. Also, the apartment has a XXXX balance and should not be showing on my report. I filed a dispute two weeks ago and still have not heard anything back. Not to mention, they did not supply my with a copy of adverse action. I called the apartment and they let me know this should not be on my report at all and they are not sure why it is.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (IL)

Someone has used my information without my consent. i have been a victim of identity theft, i have notified all companies and proper authorities. i have also file reports with agency that will be attached. Dates and companies are as follows. 

Amex Account number : XXXX Date openedXXXX XXXX, XXXX Past due amount {$1000.00} XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance : {$19000.00} XXXXXXXX XXXX Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account XXXX
Consumer complaint received 2023-09-12
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. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Central Portfolio Control Inc. (CA)

This account has just recently shown up on my credit report. They have the wrong address, and I had to call to find out what this account was. I want it off my credit report as they have said they are lawyers when they call. Also came to find out the account is a Medical account which I know they are supposed to show on the credit report and know where does this show to be a medical account.
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, and the agent for XXXX XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Multiple attorneys from XXXX XXXX XXXX XXXX., who names I have listed in various CFPB complaints in the past, continue to violate the Fair Debt Collection Practices Act. These violations have been brought to all the attorney 's attention but they continue to willfully commit harassment, ongoing threats and produce false and misleading documents in attempts to collect an alleged debt. I have attached exabits for proof of these violations.
Consumer complaint received 2023-09-12
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. (IL)

I have never done business with XXXX XXXX XXXX. I have never given them my social security number or my signature. And the it's reporting on all three bureau 's I am using the permissible purposes law 15 USC 1681b. To remove from my credit report
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have never done business with XXXX XXXX XXXX. I have never given them my social security number or my signature. And the it's reporting on all three bureau 's I am using the permissible purposes law 15 USC 1681b. To remove from my credit report
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 XXXX took a payment for XXXX XXXX XXXX for {$100.00} from my Truist checking account causing a {$36.00} overdraft. XXXX did not send an email about automatic renewal. XXXX did not follow the rules for automatic renewal by giving notice of withdrawal. I emailed them and they refunded the Truist account. Truist did not refund the {$36.00} over in connection with that transaction, when the Vendor was at fault. 

I called Truist twice and reported a complaint, both times never receiving a follow up email with the complaint. I was told they do not refund when a vendor makes a charge and then refunds. The vendor should pay the charge if that's the policy. 

In XXXX I deposited money for a course XXXX to cover the charge. I was never refunded the original {$36.00} and was accessed another {$36.00} fee. Now Truist compounded the mistake and owe me {$72.00} in refunded fees from the original fee in XXXX. 

I want the {$72.00} refunded and interested added to this account. I've called and emailed and they have failed to rectify their mistakes.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

In early XXXX of XXXX, applied for a discover bank credit card. I was approved. I used it almost immediately, then signed up for direct withdrawal in late XXXX. Their website approved my request for direct withdrawal of minimum payments. 50 was taken out mid XXXX, so I was with mindset that everything was good to go and didn't need to check in on the account. Come XXXX of XXXX, I was informed by XXXX XXXX account that my payment with discover was delinquent. I found out that my submission for discover account setup was reset and that I wasn't supposed to be able to be eligible to setup until a month after account was opened, leading me to think their system let me set it up prior to eligibility, forcing my account to reset. Since then I have been in contact with discover, it took a few calls but eventually I made contact with someone who realized the mistake and took the delinquent charge away. But that opened up an ongoing hit to credit as the bureaus see this as delinquent and now my other creditors are lowering my credit on the cards I had well before I had discover. I've always kept decent credit and this is really destroying my livelihood and mental health. I've paid money to send certified letters to bureaus explaining this issue. I've contacted everybody to fix this issue and I can't seem to get anywhere. Tell me what I need to do here because I can't even get a loan to fix my house at a rate I could have had had this not happen, I make enough money for one but refuse to pay more than I should. Also, I never once received a bank statement or an email from discover of amount due from XXXX to XXXX ( when I started my complaints ) and yes I understand it is not their responsibility to send me a statement.
Consumer complaint received 2023-04-21
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC (MI)

In XXXX, XXXX, I made a mortgage loan with Rocket Mortgage, for {$100000.00}. In XXXX, I refinanced with XXXX XXXX XXXX which I understood would require paying off the Rocket Mortgage balance. All payments were on the Rocket Mortgage account were made timely, through auto-pay. Rocket Mortgage took the XXXX, XXXX, payment in XX/XX/XXXX. On XX/XX/XXXX, they took a XXXX payment that was not due until XX/XX/XXXX. My XXXX, XXXX, statement from Rocket Mortgage shows a principal loan balance of {$99.00}, XXXX. They advised XXXX XXXX that the pay-off balance was {$100000.00}, which was more than I had borrowed, and after a year of payments ( principal and interest ). This does not seem to be factually or legally correct, and constitutes a fraud on the consumer ( me ).
Consumer complaint received 2023-11-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellantis Financial Services US Corp. (VA)

first investor servicing ( not the originating company ) with my signature guaranteeing payment, proof of chain of title to collect debt, the insurance claim filed on this debt, contract identity theft, improper use of reporting 15 USC Code 1681b, inaccurate information reported and amount due Mailed request to company to get this information. No reply Representative said per breakdown loan is {$900.00} that is incorrect information. If you look at the dates and the law. Need verification and the break down.
Consumer complaint received 2023-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NY)

XXXX I received a " second notice '' of a debt owed, now in collections. 1 amount from XXXX, another in XXXX. Both of which I have no memory of taking on a debt or needing to have any kind of assistance that would require a service not paid for. I have emailed Phoenix Financial Services for the 2nd time disputing the claim/collections. They have now also put a collections notice on my credit report as well. The amount they show as " owed '' can be immediately paid off with an amount that is less XXXX the $ $ as what the total " collection request is '' if I pay immediately. $ XXXX of what I owe isn't even the " pay now to resolve '' amount. Too many problems with this, it's clearly false, fraudulent or accidental somehow. Now that my credit score has been lowered, I need help. I have never received a bill, a notice of service not paid for, no idea who the original debt is owed to or why. All the sudden I'm in " collections'..
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX