davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-06
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. (CA)

On ( insert date ) I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are number of inaacuracies and inquiries on my consumer report that still remain. 

1. I never gave this creditor my written consent to run my credit therefore it is fraudulent and this is violating permissible purpose and needs to be removed XXXX XXXX Date of inquiry : XX/XX/XXXX 2. I am disputing this account for inaccurate information because Equifax is reporting the date of last activity incorrectly.

You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX XXXX Account Number : XXXX 3. I am disputing this account for inaccurate information because Equifax is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  XXXX Account Number : XXXX 4. I am disputing this account for inaccurate information because Equifax is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account Number : XXXX Please Submit onto XXXX  form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Consumer complaint received 2023-03-29
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXXXXXX XXXX XXXX XXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.
Consumer complaint received 2023-03-29
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-28
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received notification on XX/XX/XXXX that there was an inquiry to my credit today. I received this information through the alerts I have set on XXXX XXXX, Capital One, and XXXX. I presumed it was for an automatic credit line increase, thus I ignored it for the time being. However, I missed a call from an 800 number. The voicemail left stated they were calling from the Capital One application fraud department, and needed to speak to me. I called Capital One directly, and they didn't show an application in my name. However, I did call that number that called me back, and they had the same voice prompts and hold music. I did not give any personal information to this person, just in case. They had all of my information which they stated was used to apply for this card, which was done online on XX/XX/XXXX. They have cancelled the application. I have since frozen my credit with all 3 bureaus.
Consumer complaint received 2022-04-04
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. (MI)

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

PNC - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Short Sale was started XX/XX/17 with PNC. PNC has been purposely delaying making a decision on this file and are therefore defrauding their investors and their clients. PNC has continuously asked for financial documentation from someone who is not on the loan. I have sent documentation to PNC that clearly shows the income from the borrower and this matches their paystubs exactly. PNC is rejecting these documents likely even deleting them. This has got to stop. It is illegal for PNC to request documentation from someone that is not on the loan. I have attached the documents to this complaint that we have submitted to PNC. The income clearly matches.
Consumer complaint received 2015-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (VA)

I received a letter from Chase receivables stating that I owed them {$59.00} for medical records that were transferred. I never authorized them to transfer anything and I never received a bill from a company called XXXX that Chase receivables says that they 're collecting for. I did a little research on line and found out that there have been many complaints and fraud charges filed against this company. Since I know nothing about the charge would have no idea what they 're charging me for I think this is for XXXX since I know nothing about the charge would have no idea what they 're charging me for I think this is for fraud.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

A requeat was made to change the billing date on the account, it was not done. The payments were set to autopay on the wrong date. The acount was closed to purcahses. The account went delinquent due to 2 billing errors processing on the wrong date. A request was made to ammend the problem caused by this issue caused by their company. They refused to assist.
Consumer complaint received 2019-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Loan Summary ( Loan # : XXXX ) My account XXXX On XX/XX/XXXX I borrowed {$10000.00} on a personal loan at 34 % interest rate, I was desperate and needed the money. Biweekly payments are {$190.00} or {$380.00} per month. they only do direct debits and debit my checking account every other Friday, so, the date keeps changing, and so does the application of my payment- the amount of interest and principal keeps changing- this does not sound correct, but they tell me its because the dates change for the payments- that's complaint # 1 we need to look into- see my documents attached. 
# 2 on XX/XX/XXXX I made large payment of {$4000.00} to reduce my balance and interest, I did it with rep. who charged me to take the payment, he said that the balance, principal and interest would update automatically within 24 hours, they did not, see attached, so I have called them 3-4 times and they said they would send me a corrected payment schedule, but they have not despite my repeated calls and e-mails, this is illegal in the State of CA. Reg. Z demands that principal and interests payments and APR be reflected accurately on any loan. In one e-mail to me they said I had used an e-mail address not on file, so they would only respond to the e-mail address on file, I said fine. then after 2 days I called again and they said they would send it by Monday the XXXX.  and on Sat the XXXX. I got another e-mail from them telling me that noting would be forthcoming because I had already spoken to another rep. they are usurious and dis honest and should be penalized. Pls. see attached Documents and e-mails.
Consumer complaint received 2024-03-06
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. (CA)

To Whom It May Concern : I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX Credit Card that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in XXXX5 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for the erroneous information reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered because of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX Credit Card for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! 

Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (NC)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$600.00XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2019-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a credit inquiry within my report for XXXX. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ray Klein, Inc. (OR)

The only utility company in XXXX, OR will not give me service because of an almost XXXX year debt that has since been sent to collections and closed by the agency. They say they will continue to refuse me service until I'm in good standing with the debt collectors. Professional Credit Services. I'm very low on cash and don't know what I should do.
Consumer complaint received 2023-03-29
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: Summit A*R, Inc. (PA)

The company did not send me what I requested. I asked for a signed agreement by me and they have not produced one although they sent other inaccurate documentation. Also the documents they did send are not accurate as to what is reporting on my credit profile.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

Yesterday after 4 months XXXX issued a refund. And now it is gone cause my account to appear negative it should be over by almost {$40.00} last night I made deposits. This frequently happens with this bank to collect over draft fees of {$36.00}.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX and TransUnion have accounts on my credit profile that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education XXXX XXXX XXXX These are not my accounts
Consumer complaint received 2019-07-18
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 — Their investigation did not fix an error on your report
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a credit card account with HSBC in XXXX of XXXX. I didn't use the card much but made my first payment online in XXXX, XXXX. I put my credit union account info in their system, made the payment, and everything was fine. I did the same thing in XX/XX/XXXX and they accepted the payment. I did not hear from them concerning any problems. I then made my regular payment in XX/XX/XXXX. They still did not notify me of any problems. My XX/XX/XXXX payment was made on XX/XX/XXXX, and went through again. This month i noticed late fees for XX/XX/XXXX & XX/XX/XXXX even though I paid before the due date. 
I called HSBC on XX/XX/XXXX at about XXXX and asked for an explanation. They advised me that the XX/XX/XXXX & XX/XX/XXXX payments did not go through. This was the first I had heard of a problem. They read me the bank account number for my payment and the last digit was a " XXXX  '' instead of a " XXXX ''. I had never changed it so they referred me to the fraud department. Based upon my logins, they concluded that there was no fraud and it must have been a " glitch '' at their end. When I was transferred back to customer service, they refused to change my credit report showing I was late on payments. I have never been late on a payment to my other numerous credit card companies, My FICA score was over 800 before they messed it up. I need them to correct their report to the credit bureaus so this can be rectified. I don't feel a call from me will do the trick.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

My bankrupcty was dismiss XX/XX/2016 all creditors were paid by me XXXX removed this from my report. I am disputing this again. it should be removed since it was cancelled and creditors paid
Consumer complaint received 2018-05-16
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. (CA)

An unauthorized inquiry appears on my credit report. I have contacted the reporting agency, XXXX XXXX XXXX. XXXX XXXX sent me the letter stating they'd remove the trade line from my report. The letter is attached. The confirmation of deletion is attached to this complaint.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I believe FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Several of the listed accounts appear to be incorrect, and it's making me feel uneasy.