davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I reviewed by Consumer Report and noticed inaccurate/unverified information is being reported by the CRAs. I have disputed inaccuracies with the Creditor/Data Furnisher and both agencies did not provide reasonable procedures followed by law of reporting adverse account information to my consumer report. 

15 U.S. Code 1681e of the Fair Credit Reporting Act ( FCRA ) outlines the requirement for maximum possible accuracy of information in consumer reports. Heres the relevant section : XXXX - Compliance procedures Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report XXXX. 

15 U.S. Code 1666b - Timing of Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by section XXXX ( b ) of the FCRA, XXXX mailed or delivered to the consumer not later than 21 days before the payment due date. 

The following accounts are reporting inaccurate and unverified - XXXX XXXX XXXX XXXX XXXX Late Payment reported on XX/XX/XXXX, XXXXCreditior/Data Furnisher did not verify/validate late payments under the FCRA. 

XXXX XXXX XXXX XXXX  Late Payment reported on XXXXCreditor/Data Furnisher did not verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor XXXX XXXX Charge Off-various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor XXXX Late XXXX day late XX/XX/XXXX, XXXX ( added after disputing XXXX day late ) XXXX XXXX day late-XXXX, XXXX ( added after disputing which shows inaccurate reporting ) -Creditor/Date Furnisher failed to verify/validate late under FCRA-Creditor added additional late payments-CRAs added additional late payments to consumer report without verifying-which shows inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late XXXX Furnisher failed to verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I currently have a Loan through XXXX. They have falsely reported two 30 day late payments to my TransUnion report. I have called multiple times to resolve this issue and was told by a manager i have no late payments and they have not sent any late payments to my credit. All of my payments have been up to date and on time. I currently am in the process of purchasing a new vehicle but am unable to due to the false claims on my credit. There is now an investigation on why it is on there but the manager has already let me know everything is on time and there should not be any credit issues. However 2 weeks later nothing has yet to be done about it.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX, my paycheck was garnished by Navy Federal Credit Union in the amount of {$3500.00} for a previous credit card that was charged off. Im a XXXX veteran that was unable to work for 11 months until recently last month I was well enough to get a job. I depended on this money to pay my rent and utilities plus credit card bills, but they took all {$3500.00} and left me with {$63.00} in the account. I have now lost my apartment and am living on the streets. Thanks to NFCU.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a court date with the credit card company ; the representative did not show up, and the judge dismissed in the amount of {$1900.00} the case in XX/XX/2019. I have written to all bureaus and nothing has happened to remove it from all 3 credit reports. This has caused so much frustration to get approved all these years. Next action is to sue the credit card company.
Consumer complaint received 2023-05-22
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (AZ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-26
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)

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.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I received my Social Security deposit into my bank of America checking account. On that day, a transfer or transaction was executed on my account, and {$4900.00} was taken from my account. I have no record on my online account of any transaction, no XXXX account set up, and no recipient name is set up or recorded on my account. Bank of America told me that some " inside money transfer was made from my account '' I noticed the negative balance on my account in less than 24 hours. I called the bank on the night on XX/XX/XXXX and recorded over 2 hours of a phone conversation with the bank.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (FL)

Identity Theft/Fraud Rental Property - Unauthorized use of my name and information to obtain rental property. Debt collection past due of {$2100.00}. 

I checked my credit report associated with my XXXX XXXX credit card cell phone app, where I discovered activity stating I had a derogatory account with Rent Recovery Solutions in the amount of {$2100.00}. Upon calling the provided phone number, ( XXXX ) XXXX, they confirmed the following : Collection Agency : Rent Recovery Solutions Account Number : XXXX Reporting Agency : XXXX XXXX XXXX XXXX Unit Number : XXXX Fraud Rental Property Address : XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date Opened : XX/XX/2020 Past Due Collection Amount : {$2100.00} Admin fee : {$120.00} Unauthorized pet fee : {$1000.00} Compensation : {$50.00} Lawn care : {$150.00} Repairs : {$360.00} Carpet : {$140.00} House cleaning : {$300.00} *Stated they paid application fee and deposit *No ID on file *Found property online I did not action/authorize the use of my name/information for this rental property. This is fraud/identity theft and I wish to dispute this claim.
Consumer complaint received 2024-03-23
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. (MA)

I am writing to request proof of ownership for the account listed below, which appears on my credit report. This request is made under section 1682G ( B ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to consumer reporting agencies ( CRAs ) to provide accurate and complete information.

Account Information : Account number XXXX I have reason to believe that there may be inaccuracies in the ownership of this account, and I am requesting documentation that verifies your ownership and the validity of the debt.

Please provide the following documents : 1. Proof of ownership of the debt, such as a signed agreement or contract.

2. Documentation showing the original creditor and any subsequent assignments of the debt.

3. Any other relevant documentation that supports your ownership of the debt.

Please send the requested documentation to me at the address listed above. If you are unable to provide the requested documentation, please inform me in writing.

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation.
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. (MD)

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  Account 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 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 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (LA)

I received a letter ( dated XX/XX/XXXX ) from PNC Bank titled " Required notices regarding the Private Mortgage Insurance ( PMI ) on your loan. '' This letter provides two methods of how PNC will cancel the PMI. The two methods PNC Bank provided in the letter are : a. request to cancel PMI b. Automatic cancellation of PMI Page two of this letter states the two requirements for automatically canceling the PMI. The first requirement says that when my loan 's principal balance reaches 78 % of the property 's original value. I contacted PNC In XX/XX/XXXX requesting the automatic cancellation of the PMI based on the information PNC provided in the first requirement of the page two letter dated XX/XX/XXXX. The PNC agent informed me that the PNC Bank would cancel the PMI automatically. Also, I told the PNC agent that the PMI should have been automatically canceled in XX/XX/XXXX since my principal balance has attained 78 % of the property 's original value. Also, I requested PMI reimbursement from XX/XX/XXXX, when my principal balance reached 78 % of the property 's original value. The PNC agent acknowledged and stated that the PNC Bank would process my request for the PMI automatic cancellation. 

In XX/XX/XXXX, I did not see the reflection of the PMI cancellation on my mortgage account and requested automatic cancellation of the PMI based on the letter dated XX/XX/XXXX. I contacted PNC Bank concerning the PMI automatic cancellation. I provided the information in the letter dated XX/XX/XXXX and the information the agent told me in XXXX to the PNC Bank agent. This agent stated that the amortization schedule will not trigger the automatic cancellation until XX/XX/XXXX, and the principal reduction payment will not qualify for automatic cancellation. Also, I requested the amortization schedule, and the agent stated that PNC Bank would not provide the amortization schedule to me. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from PNC Bank stating the PMI would be removed in XX/XX/XXXX and I should provide proof that my property value supports an LTV ratio of 80 % before the PMI can be canceled.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CO)

Navient h as a 90 day late payment on my credit report that should not be there. I had contacted them several times about deferring my loan, which I was told happened in  XXXX  of  2016.  I now see a 90 day late payment from time frame  XXXX   2016    to  XXXX     2016.   This is effecting my credit by about  XXXX  points, keeping me from buying a home.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Issues Arising : I have a few issues here from my understanding it is clear to me that I have mailed out several letters to each credit bureau asking them to validate each account which seem to be quite a few of fraudulent and questionable accounts that is listed in my credit report. Which is inaccurate information that's reporting. The credit bureaus have received each letter that was sent certified mail it's been over 2 months and I Have yet to receive any validated updated information concerning these accounts in question. It's very clear and bright to me that these credit bureaus are choosing to ignore the laws and decide to take advantage of consumers. I can not express my frustration enough on how big of a stress it is and how much money I have lost constantly. sending out letters with no response being that I just sent out another letter. XXXX 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 Account # XXXX, has violated my rights. 
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.

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

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 2023-02-14
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. (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 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 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 2023-03-16
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. (DC)

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.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX  not  XXXX    XXXX   XXXX   XXXX    del  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX   XXXX   XXXX    XXXX   de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX
Consumer complaint received 2023-02-07
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. (TX)

In accordance to the XXXX XXXX XXXX XXXX Account 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 written instructions.
Consumer complaint received 2022-11-07
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-18
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. (FL)

I submitted a complaint last XX/XX/2023 and the companies responded. Some got deleted but there are still fraudulent items on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report.