davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (IN)

Hello and greetings : I am a customer with PNC bank. in XX/XX/XXXX/XX/XX/XXXX I experienced difficulty and was advised by PNC to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, PNC was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with PNC and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with PNC and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to PNC reporting me late on XXXX payment etc I began to contact PNC. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the PNC headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my 3 PNC accounts reported on my credit file. I am not late in XXXX nor after the written accord between PNC collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to PNC with all late fees paid as well. 
My thoughts is that PNC should not be reporting me late and should be practicing due diligence pertaining to me account and PNC XXXXredit reporting ... My question for this bureau is what do I do from this  point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by PNC and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect PNC to reflect my timely payments and credit worthiness. PNC has cost me enough duress and loss of enjoyments ; now my intention is to communicate to PNC that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX Iowa XXXX [ Subject : Complaint Regarding Inaccurate Credit Report Information ] Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding multiple inaccuracies present on my credit report. The discrepancies pertain to various aspects including account numbers, payment history, and balances, which are significantly affecting my creditworthiness and financial standing. 

Below, I outline the specific inaccuracies found on my credit report : Incorrect Account Numbers : Several accounts listed on my credit report contain inaccurate account numbers. This discrepancy makes it challenging for me to properly identify and address these accounts. 

Inaccurate Payment History : The payment history associated with certain accounts is misrepresented. For instance, there are instances where timely payments are marked as late or missed payments, negatively impacting my credit score and financial credibility.

Incorrect Balances : The balances reported on some accounts do not align with the actual balances. This misinformation leads to an inaccurate assessment of my overall debt and financial obligations. 

These inaccuracies are not only detrimental to my creditworthiness but also undermine my ability to access financial products and services on fair terms. Despite repeated attempts to address these issues with the credit reporting agencies, the inaccuracies persist, indicating a systemic problem that requires intervention. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the bureau to hold the credit reporting agencies accountable for their failure to ensure the accuracy of the information they report. 

Enclosed with this letter are copies of my credit report highlighting the inaccuracies for your reference. Please do not hesitate to contact me if further information or documentation is required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a complaint to XXXX, Transunion and XXXX about some errors that I found while looking over my credit report. For some reason XXXX failed to investigate my disputes. I sent another letter out and got no response. Im not sure how XXXX  comes up with this FRAUD DISPUTE suspicion. XXXX and Transunion verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2. XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

XXXX XXXX
Consumer complaint received 2022-09-15
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. (DC)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX, {$3200.00}, 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions.
Consumer complaint received 2022-04-26
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. (OH)

Inquiries XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, ... ... ... ... ... ... ... ... ... Account XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX {$190.00} Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of 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. 
* I am advising that these listed inquires e removed from my credit report XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

XXXX XXXX XXXX is reporting a medical bill in collections that was supposed to be paid by my insurance carrier. Additionally, I never signed an agreement with XXXX XXXX XXXX to guarantee payment as I was on XXXX at the time. 

I was not able to contact the company directly because they don't have any contact information on the credit report.
Consumer complaint received 2024-02-25
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. (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX, account XXXX, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY CREDIT SYSTEMS INC (IL)

On XX/XX/2020 I contacted Security Credit Systems regarding a fraudulent account that was listed on my credit report. I was able to remove the account with the credit bureaus in the past. However Security Credit System reinserted it onto my credit report. I called Security Credit system & informed the representative that I was a victim of identity theft & that the account did not belong to me. The representative told me that he would call XXXX ( the original creditor ) to request documentation from them that had my signature on it to verify if the account belong to me. He also instructed me to email a copy of my police report. I emailed the police report on XX/XX/2020. I have yet to receive any documentation from the creditor showing why they are validating that the account belong to me. In addition to emailing the police report, I also sent mail physical copy along with my identity theft report filed with the FTC. I was able to print off a document prepared by the FTC requesting that they send me documentation showing me my signature on any form related to the account as well. The collection agency has failed to send me any documentation other than a bill related to the account. Yet I was informed by XXXX  on XX/XX/2020 that they verified my collection as accurate in my dispute on XX/XX/XXXX. HOW is it accurate? When I am clearly providing them with the documentation that I am a victim of identity theft. The account is a result of identity theft. I attempted to call Security Credit Systems on XX/XX/2020 to discuss the account but now I am being sent straight to voicemail.
Consumer complaint received 2020-12-01
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: Bread Financial Holdings, Inc. (CA)

There is an item on my credit report from Commenity Bank/XXXX. I have never opened account with comenity bank. I continue to dispute this item with the credit bureaus and the furnisher, but Commenity Bank continues to verify this information as accurate. In addition, each month Comenity Bank reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.
Consumer complaint received 2024-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I should not have XXXX accounts showing from this company. I will be getting a audit down on my loan. I also want to opt out from my information being reported under law that request need to be performed within XXXX hours. 

Acct # XXXX Acct # XXXX
Consumer complaint received 2021-04-10
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. (ND)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Portfolio Recovery Associates nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Consumer complaint received 2021-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank closed my good accounts, which I paid off, took over my account that never ever had a late payment, closed it with balance of XXXX, wants me to make payments to them and then makes it impossible to log into to be able to make a payment, in order to create late fees? This all started when they closed my account in XX/XX/XXXX, again the account was not behind or had it been. They closed my XXXX account that had never been late and a care credit account that had a XXXX $ limit never been used,
Consumer complaint received 2021-04-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

i bought this home in 2003 for {$140000.00} and right now my morgage statement is showing i own {$220000.00} i dont understand and now one can explain how inowe rhat amount the only thing my collection company which is select portofolio inform me is that they going to put my home on foclosure
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (LA)

AFNI sent me a letter they were trying to collect on a debt for XXXX XXXX. I then mailed in verification that the debt was considered paid in full by XXXX sending AFNI a copy of the letter sent to XXXX  along with the cashed check paying the debt in full. I then received another letter attempting to collect in XXXX XXXX XXXX. I then called the company and advised them that I already sent in info showing this debt was paid in full per an agreement with XXXX XXXX. I put in another dispute with the rep on this day. On XXXX/XXXX/XXXX I get notification that AFNI has added the account to collections. I have not received anything back from my dispute showing the balance was pd or the dispute I put in with the rep on XXXX XXXX, XXXX. AFNI is not practicing fair collecting or reporting on my behalf nor is XXXX XXXX because the account should be marked as paid in full as included on the payment I sent XXXX on the check itself and on the letter mailed it clearly stated upon XXXX cashing my check they in fact agreed the account would be considered paid in full and the account would be removed from all three credit bureaus.
Consumer complaint received 2020-08-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bepensa Capital, Inc. (PA)

In XX/XX/2019 I co signed for my daughter to obtain a car loan. The dealership put my name first and I requested it to be fixed-it wasn't. Fast forward a few months, I declared bankruptcy and included my daughter 's vehicle loan after consulting with my attorney. 

Credito Real would call me if my daughter was late on her payments. I advised them I filed bankruptcy and they were not to contact me. I blocked the numbers they called from. For over a year, the have repeatedly contacted me on my cell, even at work AND reached out to 2 of my friends! Repeatedly I have stopped them as soon as they get on the phone and tell them to read their notes as they are violating federal laws. 

The calls still continue as soon as my daughter is 24 hours late on a payment. They use so many numbers to call from and I continue to block them after I realize it's them. 

I have advised them as well they are to NEVER call my place of employment-they don't care.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On the XXXX of XXXX XXXX reported my account as a delinquent account. At that time it was accurate. On the XXXX I paid off the past due balance and just now ( the XXXX ) I got alerted that they JUST reported me as severely delinquent despite my account online and on the phone showing as being current. When I called to get this corrected their manager told me I would have to call the credit report company to get it fixed. I explained that I am not an XXXX and that they do not control what is reported and that they are fraudulently reporting on my account to the credit bureaus. She then lied AGAIN and told me to call the credit bureau to get it fixed to which I told her I would be reporting them for the fraud.