davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (NV)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

I paid the balance off several months ago. Nothing has been updated on my credit report for this account since XXXX, it's NOW XXXX. I feel 7 Months is more than enough time to update my credit report, especially when the account was paid in full and it's not being reported as such. This is for BJ 's Credit card through Comenity Bank
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I received a call on XX/XX/2018 from a XXXX XXXX, ACCOUNT MANAGER at XXXX XXXX XXXX   attempting to collect a debt owed to XXXX XXXX  XXXX   XXXX, in the amount of {$710.00}. 

I have no prior knowledge of this debt and asked for a copy of any written notice that was sent to me. I was forwarded a collection notice dated XX/XX/2018 as an e-mail attachment. In the meantime, I reached out to the creditor XXXX XXXX to find out what's going on. 

The next day on XX/XX/2018, I have received a call back from XXXX XXXX explaining that the claim processor denied the claim around XX/XX/2018. Apparently I was not informed about that by XXXX XXXX ( despite they have my e-mail and phone number ) nor claim processor XXXX. I also was notified that my credit dropped 40 points which surprised me. 

I called XXXX XXXX XXXX and talked to a XXXX, who informed me that there is a 90 days grace period for me to resolve the matter and there should be no reporting to the credit bureau during the grace period. Then I was transferred to XXXX as she handles my claim. I updated her on my findings from creditor, informed her that I am in touch with the claim processor, and wanted to make sure no reporting will be done during grace period. Not only XXXX claims it is only 30 days, she says it is running out already, also she threatened to report to the credit agency this coming Friday on XX/XX/2018, despite the fact that I was first contacted by XXXX XXXX XXXX on XX/XX/2018 and XXXX was not able to provided any proof of prior communication to me. 

I felt the collection effort is unethical and unfair as they have threatened/damaged my credit while not giving consumer any time to resolve the matter. 

I requested escalation on the matter to a supervisor and have not heard back.
Consumer complaint received 2023-08-12
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. (IL)

The law states that I the consumer requires written consent for my information to be furnish to any third party agencies. I never gave my consent to publish any information of mines, it is a direct violation of my rights according to 15 USC 1681B, please remove all files included in this report, in addition this is my second time requesting these items be removed and according to 15 USC 1681I The reporting agency that claimed items were verified did not provide anything in writing showing how items was verified and accurate. Because that information was not provided within a 30day time frame by law these items should have been deleted from report. As a consumer my character and rights has been violated and I DEMAND A DELETION OF ALL ITEMS IN THIS REPORT INCLUDING ( Dep of Ed ACCT XXXX XXXX XXXX, Department of Ed ACCT XXXX XXXX XXXX, Dep of Ed ACCT XXXX XXXX, Dep Of Ed ACCT XXXX XXXX XXXX, Dep Of Ed ACCT XXXX XXXX XXXX, IF not deleted I will be force to take Court ACTION
Consumer complaint received 2023-08-12
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. (IL)

The law states that I the consumer requires written consent for my information to be furnish to any third party agencies. I never gave my consent to publish any information of mines, it is a direct violation of my rights according to 15 USC 1681B, please remove all files included in this report, in addition this is my second time requesting these items be removed and according to 15 USC 1681I The reporting agency that claimed items were verified did not provide anything in writing showing how items was verified and accurate. Because that information was not provided within a 30day time frame by law these items should have been deleted from report. As a consumer my character and rights has been violated and I DEMAND A DELETION OF ALL ITEMS IN THIS REPORT INCLUDING ( Dep of Ed ACCT XXXX XXXX XXXX, Department of Ed ACCT XXXX XXXX XXXX, Dep of Ed ACCT XXXX XXXX, Dep Of Ed ACCT XXXX XXXX XXXX, Dep Of Ed ACCT XXXX XXXX XXXX, IF not deleted I will be force to take Court ACTION
Consumer complaint received 2023-08-12
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. (MA)

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

This account has reported two late payments, which is inaccurate. Ive never been late.
Consumer complaint received 2023-08-12
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. (MA)

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

This account has reported two late payments, which is inaccurate. Ive never been late.
Consumer complaint received 2023-08-12
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. (MN)

CHARGE OFF IS INCOME THAT HAVE TO BE REPORTED TO THE IRS. 
XXXX XXXX XXXX XXXX has been marked as a CHARGE OFF On my CONSUMER REPORT.

I want a 1099c sent to me. Any amount Over {$600.00} is TAX FRAUD.
Consumer complaint received 2023-08-12
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. (TX)

I am writing to file a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I am trying to access my credit file for business. My Experian credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX is my info. Please REMOVE/DELETE the fraud alert Notes from my file so I can access my credit.
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Cherrington Firm PLLC ()

I attended XXXX XXXX in XXXX XXXX XXXX in XXXX. 
I am a XXXX living in XXXX I went back to the clinic twice after initial visit at their request. On last visit was told there was no money owed ( I specifically asked ). 
At XXXX XXXX/XXXX  time ( I was in XXXX ) on Thursday XX/XX/XXXX I received a call from Cherrington Firm by XXXX XXXX . I was told that i had an outstanding Debt of {$80.00} to XXXX and as i had not responded to Cherrington 's letter asking for payment it was now a bad debt. 
I asked the address that the claim payment request was sent. i was told it was XXXX XXXX  XXXX XXXX  Zip XXXX Utah I explained that my office address in XXXX XXXX ( which was given by showing my business Card to the XXXX reception when i signed on as a new Customer ) was XXXX XXXX XXXX XXXX suite # XXXX, XXXX XXXX XXXX, Utah XXXX. 
I was told that i had given the other address on my Patient form and it was signed by me. I attach that form. 
I was then told i needed to call XXXX to discuss. i called XXXX XXXX to discuss, I asked what address they had and they said it was XXXX XXXX XXXX XXXX Zip XXXX Utah. 
I told them that is not the address I gave when i registered as a new Customer/Patient. I was told i have to call their Billing Office XXXX XXXX XXXX. 
I called Billing office and asked them what address was in their system and was given XXXX XXXX XXXX XXXX suite # XXXX, XXXX XXXX XXXX, Utah XXXX ( the correct address ) I asked what could be done the rectify this issues and was told to call Cherrington.

I then called Cherrington back told them the above and XXXX XXXX just said nothing could be done, so i reluctantly paid {$110.00}, which was the {$80.00} plus the fee for collecting a Debt. 
I asked for the details of the claim which I attach. 
What they did not give me is the initial letter to ask for payment which was wrongly sent to XXXX XXXX XXXX XXXX Zip XXXX Utah. This is an important piece of information as I need to see what address that had for me on that letter. 
I have today, XXXX  XXXX Eastern Standard Time XXXX hours wednesday XXXX XXXX called Cherrington to request the initial letter they sent to request the outstanding payment. i spoke to XXXX XXXX. 
I also said i want the difference of {$110.00} and {$80.00} paid back as i was wrongly charged for overdue Debt because the request was sent to the wrong address. she has told me the matter is closed and they can not assist. 
it is not the amount that is the issue it is the attitude. It is no ones problem. Every one slips it sideways. 
I am concerned that with Tactics like this other people ( perhaps elderly and sick ) will be forced to pay for Incompetencies of these organisations. 

thank you XXXX XXXX
Consumer complaint received 2023-02-26
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: DISCOVER BANK (MN)

Im a victim of identity theft and four of my major credit cards were used online transactions and other ways. I reached out all the credit companies however no action s taken so far and all those balances are added to my credit profile. This affects my credit score drastically and I couldnt able to get any credit services. Unfair credit reporting.
Consumer complaint received 2022-12-13
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 accounts 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/2022 ; but I never received a response from them. These accounts must be investigated and updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I have been having serious ongoing issues with PNCs method of accounting of my mortgage account. PNC Bank is not transparent. PNC has been using a technique of fancy math accounting in order to take my money. 

On XX/XX/XXXX, I received a response email from PNC representative, XXXX XXXX. I asked for the negative escrow balance. He stated that my negative balance is {$8100.00}. This balance is incorrect. I then received this dismissive response Great! I will be putting together the letter and have it reviewed to be submitted to the CFPB. The regulatory due date for this submission is XX/XX/XXXX, if the review is not complete by then regulatory allows an additional 45 days. Once it is complete it will be uploaded for you to review. 

Based on my calculated math, I owe PNC Bank a total of {$5000.00}. Total Negative Escrow balance ( created by inept PNC and confirmed by PNC in prior email ( {$9500.00} - Total Escrow Shortage ( and credits ) Paid and On AMs Account Negative Balance Remaining ( {$4400.00} = {$5000.00} ( negative balance remaining ). 

Short Summary Of Ongoing Problems/Issues With PNC Bank PNC Bank neglected my escrow account. As a result of this PNC Bank hurriedly paid my XXXX XXXX quarter property taxes in the amount of {$8000.00}. PNC paid this amount in order not to lose its security interest in my property. 

On XXXX, XX/XX/XXXX, I received a delinquent tax notice from the XXXX XXXX XXXX XXXX XXXX Collector stating delinquency for taxes and late charges in the amount of {$1700.00}. 

On XX/XX/XXXX, as email instructed by PNC, I started to pay {$200.00} ( escrow shortage ) of which I paid {$200.00} for XXXX  months ( XX/XX/XXXX to XX/XX/XXXX ). 

In XXXX of XXXX, I received an email from XXXX XXXX of PNC Bank with two options of repayment of escrow shortage : {$200.00} or {$180.00}. I choose {$180.00} as the impact caused on my finances because of PNCs negligence was and is causing me deep distress. I started escrow shortage payment of {$180.00} on XX/XX/XXXX ( see email confirmation from XXXX XXXX at PNC Bank. I have paid {$180.00} to PNC Bank every month. 

Can you help? I can not get a straight answer out of them. I need to pay off balance and get rid of this bank. Thanks.
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (AR)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$590.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX : # XXXX, Account name XXXX : # XXXX, Account name XXXX  : XXXX, Account name XXXX : # XXXX Account Name XXXX  # XXXX, Account Name 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 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 2020-08-22
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: HCFS Healthcare Financial Services of TeamHealth (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX  this action might constitute fraud under both federal and state laws.
Consumer complaint received 2023-06-19
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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