davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (OR)

For XXXX years I have sent Equifax my identity thief report, police reports letters from the DOJ prosecuting the victims and me being on the victim panels to help them be prosecuted and still Equifax wont take off the XXXX XXXX XXXX  XXXX the account was due to identity theft and closed due to inactivity because the thieves are in jail and my rights are being violated and the account is reporting paid which is incorrect because it totally different than the creditor was trying to collect. Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. section 605B of the Fair Credit Reporting Act, which requires you to block the. fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Thats not being done when the creditor took it off the other Credit Bureau records but Equifax is willfully violating my rights
Consumer complaint received 2021-01-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

To Whom It May Concern : This complaint concerns my XXXX credit card account with XXXX XXXX, which became delinquent in XX/XX/XXXX. Portfolio Recovery Associates, LLC alleges that they bought the account from XXXX XXXX, but the have refused to provide written documentation of alleged sale, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. XXXX XXXX  has provided no proof of this alleged sale. 

I wish to make the following points : I received a letter from Portfolio Recovery Associates, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my XXXX Card from XXXX XXXX  ; On XX/XX/XXXX, I sent Portfolio Recovery Associates a letter requesting a copy of the sales contract, as proof of the alleged sale. This letter is attached. 
3. My XX/XX/XXXX letter to Portfolio Recovery Associates was sent by Certified Mail, and it was signed for/delivered on XX/XX/XXXX. Documentation is attached. 

Since XX/XX/XXXX, Portfolio Recovery Associates has been totally and completely silent. They have provided no actual documentation of their alleged sale, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes 649.332 etc. also requires written notice. In addition, Portfolio Recovery Associates has reported this account to the credit bureaus without proving their right of ownership.

Because of their silence, Portfolio Recovery Associates refuses to answer the following questions : What is their proof of ownership? Why did they disregard the 30-day Fair Debt Collection Practices Act requirement? 
Do they honor and respect the 6-year statute of limitations under Nevada law? 
Do they recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc.??? Proof of Income is attached.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

All companies involved have infringed on my right to privacy as granted by federal law and failed to provide necessary disclosures. I have tried to resolve this issue amicably now I am requesting immediate action. Please delete these information from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-01
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. (TN)

Name : XXXX XXXX Date of Birth : XX/XX/1996 SSN : XXXX Address : XXXX XXXX XXXX, XXXX TN, XXXX Information belongs to someone else ( identity theft, fraud, error ) Identity theft report filed in reference to account number XXXX associated with XXXX  XXXX XXXX  XXXX ( XXXX XXXX ) this account is still appearing on my Transunion credit report and it's been successfully removed from my XXXX and XXXX  XXXX reports. Account fraudulently opened in my name without my permission or consent. Please remove. Attached documents please review
Consumer complaint received 2024-03-21
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. (IN)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-03-21
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. (GA)

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 Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment is due on XXXX of each month. 
Payment due XX/XX/XXXX was made online, on creditor 's ap, on XX/XX/XXXX for amount due of {$110.00}, 8 days after payment due date. 
On XX/XX/XXXX creditor reported payment delinquent 30 days for XXXX, XXXX. This must be immediately corrected to ON TIME, Creditor reported account status as " Current, was past due 3 times ''. This must be corrected to " Current, was past due 2 times '' XXXX XXXX XXXX  On XXXX XX/XX/XXXX reported account status as current however payment summary for XXXX, XXXX reported 30 days late, should be current. XXXX payment is due XX/XX/XXXX and payment was made on XX/XX/XXXX. XXXX, XXXX payment summary must be corrected to current immediately. 

XXXXXXXX XXXX XXXX on Equifax- on XX/XX/XXXX reported to Equifax loan balance was {$22000.00}. This is incorrect, balance is {$21000.00} ( correctly reported to other credit agencies ) Balance must be corrected. 
Status reported " not more than four payments past due '' - Loan has never been 4 payments past due. Status must be corrected to show current immediately,
Consumer complaint received 2023-07-31
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. (KS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report was ran several times which looks like someone was shopping around for an auto loan. It was too many to even count. i contacted the credit bureaus and all they told me was that it only counts as one inquiry and that i need to contact the companies directly. I told them that i was supposed to have a fraud alert in place so the companies could call me first before running my credit and they say sometimes the companies would still run the credit anyway especially for auto loans. These inquiries don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion. 
XXXX XXXX XX/XX/2024 transunion. 
XXXX XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXX  XX/XX/2024 transunion. 
XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXX XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXXXXXX XXXX XXXX XXXXXX/XX/2024 transunion. 
XXXX XXXX XXXXXX/XX/2024 transunion. 

There are also 2 fraudulent accounts on my credit report that are not mine. I spoke with someone at these companies and they told me to file an identiy theft report which I am doing now. 
XXXX XXXX XXXX amount {$240.00} XXXX XXXX XXXX XXXX amount {$460.00}
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a V and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is XXXXXXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Wrote a check from our XXXX XXXX account on XX/XX/2019 for {$8400.00} to pay my Bank of America Mastercard. Check was made out to Bank of America. I have the carbon on the original check # XXXX. The check was altered by what appears to be an employee at Bank of America. That individual cashed the altered check within Bank of America. Bank of America cleared that check for that large amount despite the check having our MasterCard account number written in the memo section on the check. Bank of America will not return our numerous phone calls or emails to even say they are working on it. XXXX XXXX  has been contacted and they are trying to get our money back but there is no communication from Bank of America.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

Nelnet received my application request XX/XX/XXXX  and they have not updated it or reached out regarding any thing. I have tried calling and sat on hold for hours, I have tried emailing and have received no response. 
Payment is due XX/XX/XXXX  and the amount due is not the correct amount. Interest is accruing way more than it should be. I have my application proof on federal student aid website. Nelnet also says on the phone menu that you should receive an update on application every 10 days. It also says you should hear something within 3 days of application. This is inaccurate information as there has been ZERO communication from Nelnet.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (OK)

XXXX/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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 relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with t
his matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (IL)

Im a victim of the Equifax data breach, and I noticed a few fraudulent inquiries placed on my credit report without my proper authorization. Listed below are those fraudulent inquiries! XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021.
Consumer complaint received 2023-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (SC)

Spoke with Freedom Mortgage on 3 separate occasions in reference to understanding how to have our PMI removed as it totals close to XXXX for the life of the loan. During our signing of our Refi we were told that once our home to loan reaches 20 % equity that we would be able to request to have the PMI removed. This was not the case previous during my previous conversations with Freedom, i requested documentation on where it was signed that we acknowledged that the PMI would be for the life of the loan ( Does not state anywhere ), i was given the amortization page showing the outline of payments. This does not state that PMI insurance is for life of loan or you can not request to have PMI removed due to our loan being an FHA loan. This seems to be " Legal '' theft and misleading representation during the loan signing process. i was then given advice to refinance and i stated i am not refinancing @ current rates that would be stupid. In the process to speak with someone on the phone i am not directed to a voice-mail, directed to a live manager, or given follow up contact information with freedom mortgage leadership. The normal response of someone will contact you within 24-48 hours was given and i have been down that road a few times with Freedom where i had to call daily for an update ( getting an update a week+ on a previous issue )
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I called Jefferson Capital Systems, today, XX/XX/2020. In an attempt to clear up, as in request a settlement on this collection notice on my credit report. I spoke to XXXX who was extremely rude, and constantly interrupted me and spoke over me. She gave me an amount of {$200.00}, to settle the account, to which I am in agreement to pay. I simply ask that they send me something in writing and I will pay it. They said they sent me something in the mail in XXXX which I have not received. I live in an apartment complex and our mail gets put all over the place. I have even had medication from the VA found in different mailboxes on at least two occasions. I said I would even take an email. I got tired of talking to her and asked for a manager. I ended up speaking to XXXX another extremely rude and disrespectful person. I told her that I would even accept an email while we were speaking on the phone and pay it over the phone. They refuse to send me anything until I gave my checking account information or debit card information. I cleared up an account with this company from a letter I had in my hand with an agreement. Please listen to the tape they have and you can easily hear me trying to make an arrangement to get this paid while be interrupted and spoken over which is very disrespectful.
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: PNC Bank N.A. (NC)

PNC Bank purchased BVBA bank in XXXX of XXXX. I had a Covid extension with BBVA in XXXX. I paid the account in full before the COVID-19 hardship was to expire, BBVA did not report my account as late to the credit reporting bureaus. After PNC purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to PNC directly XXXX I went up the chain of command within PNC with no resolution. I have asked for all records from my account with BBVA including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with BBVA. PNC is reporting on an account that PNC did not own at the time of reporting. The original creditor at the time, BBVA, did not report me late for XXXX of XXXX.
Consumer complaint received 2020-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (FL)

They collected money from me, end they reported on my credits report every moth. My bankruptcy was XX/XX/XXXX chapter XXXX in XXXX XXXX XXXX florida all account for my ex husband was included and my accounts because we was married and joint most account this a punt was closet and reopen on XX/XX/XXXX with XXXX $
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I want Portfolio Recovery Associates to take this case seriously. I am willing to take this issu to the next step if I am not heared. This company is reaging an account, this is a serious violation to the California Credit Reporting Act, and I am demanding the following item to be removed from my credit report : Portfolio Recovery Associates, account # XXXX, original balance {$2300.00}. 

CFPB : Please send the attached documents to this company. 

Thank you so much.
Consumer complaint received 2023-05-26
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.