davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (NC)

Receivable management Account number XXXX Subject : Formal Dispute and Notification of Legal I am writing to formally dispute a negative item on my credit report that I believe to be inaccurate and in violation of federal laws under the Fair Credit Reporting Act ( FCRA ). I am also bringing to your attention your failure to comply with specific legal obligations as outlined in the following statutes : 1. 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ) Regarding required disclosures for open-end consumer credit plans.

2. 15 U.S.C. 1681 Establishing consumer rights to ensure credit information is accurate and fairly reported.

3. 15 U.S.C. 1681s ( a ) ( 3 ) Requiring consumer reporting agencies to provide accurate and complete credit information.

4. 15 U.S.C. 1681e ( b ) Mandating that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 



The negative item in question is [ identify the account or item in disputes Based on the evidence I have provided, this item is either incorrect, unverifiable, or incomplete. 
Additionally, the following violations have occurred : 1. Failure to provide accurate reporting Under 15 U.S.C. 1681e ( b ), you are required to adopt reasonable measures to ensure the accuracy of the information you report. The inclusion of this inaccurate item demonstrates a breach of this obligation. 


2. Failure to properly investigate disputes As required by 15 U.S.C. 1681s ( a ) ( 3 ), you must investigate disputed items thoroughly and accurately.

3. Failure to comply with required disclosures The reporting of this item may also violate disclosure requirements under 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ).

I request that you : 1. Immediately investigate the disputed item and provide me with a purchase agreement explanation of your findings.

2. Remove or correct the negative item from my credit report if you can not verify its accuracy within the legally required timeframe.

3. Provide a writing acknowledgment of your compliance with this request and confirmation of any changes made to my credit report. 



Under the FCRA, you are obligated to respond to this dispute within 30 days of receipt. Please consider this letter my official notification. I have enclosed copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation. 

Failure to address these issues may result in legal action, as I am prepared to enforce my rights under the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

I wanted to share an experience I had been attempting to close my Citibank checking account. Despite providing all the necessary information, including my account number, social security number, birthday, and address, I faced challenges with customer service in verifying my account.

Even after answering my security questions correctly, the representatives were unable to confirm my identity. Im uncertain if this was due to a language barrier, as the customer service representatives did not seem to be American, or if it was a technical issue on Citibank 's side.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I disputed numerous accounts and a bankruptcy with XXXX  on XXXX and they reported that there was no bankruptcy and no negative accounts on my report. I disputed the same with XXXX, XXXX, and Equifax on XXXX. An investigation supposedly done and nothing changed. I even called XXXX and equifax. I spoke to XXXX XXXX a supervisor from XXXX which did not give me his ID and refused to give me anything else but his name. I asked him for the method of verification if there was in fact an investigation done and he had no information about the third party used and all he had was a phone number in which in fact wasnt even a third party number in which they use to verify. He said no information was on file about their method of verification. I called equifax and same scenario no third party information was given and just gave me the same number in which is not a third party. The number was from a court in which do not share nor provide any information to credit companies.

According to the law 15 us 1681 ( a ) consumer rights to privacy was infringed upon and 15 us 1681 ( b ) ( 2 ) I did not grant or give written instructions nor permissible purpose.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-27
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. (CO)

On XX/XX/2023 a fraudulent hard inquiry appeared on my Equifax credit report. The inquiry was by " XXXX '' which is XXXX XXXX connected to a XXXX XXXX line of credit. The address listed for them on the inquiry is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have never applied for a credit card or loan through XXXX XXXX or XXXX XXXX and have never authorized a hard inquiry from them, and this inquiry is fraudulent. I have contacted XXXXXXXX XXXX and they have not taken any steps to address this fraud. 

This is actually the second time that XXXXXXXX XXXX has made a fraudulent hard inquiry on my credit. The exact same hard inquiry showed up on XX/XX/2023 which was also unauthorized. After first refusing the address the issue, XXXXXXXX XXXX eventually confirmed that someone else had tried to fraudulently open a line of credit in my name. I am certain this is what has happened again, but they are doing nothing to address it. I am NOT a customer of XXXX XXXX. I have no cards or loans through XXXXXXXX XXXX and have never applied for any through them or through XXXX XXXX. But XXXX XXXX  still did a hard inquiry on my credit account which is fraudulent. 

The last time this happened, they eventually admitted that they had allowed someone to try to open a line of credit in my name, so I am very concerned about the fraud going on. In XXXX, I placed a fraud alert on my Equifax credit report, so XXXXXXXX XXXX should have taken additional measures if this happened again. It is clear they have not, as I was never contacted to approve this inquiry even though I have the fraud alert.
Consumer complaint received 2023-06-27
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)

I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-06-27
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (AL)

I received a Pre Approval through XXXX XXXX XXXX for a personal loan at a 13.99 % Rate through One Main Financial, I proceeded to validate that is information was correct before providing any credit information to anyone by visiting XXXX and checking my pre approval status there as well. I was once again advised I was being " offered '' two unsecured loans with One Main Financial with rates of 12.99 % and 13.99 %. I was asked to proceed to accept my offer, once I entered my personal information an inquiry was made on my credit and I was contacted by OneMain financial for a check stub and a copy of my drivers license. Once they obtained all of my personal information I was advised I was approved for 35.99 % interest. I advised the company I was not interested, I did not need the money and that I was simply trying to add a trade line to my credit to continue building it stronger since I was offered a good rate in this market. I advised them that they obtained my credit information by means of fraudulent practices and I wanted to have the inquiry removed and my personal information destroyed. They have refused to do this and stated that they will not remove the inquiry or my information under any circumstances.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX  of a XXXX individual as documented in XXXX  reports. I have had to flee XXXX miles with my XXXX XXXX XXXXnd these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX  ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all XXXX reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. 


I am unsure why either ZALES XXXX XXXX would have had a XXXX response, as the report shows Comenity is the " owner '' and the accounts were sold. 

My report shows both accounts XXXX responded to me as " owning '' originate with comenity capital ( as does a Victoria 's secret card that is not mine ) not XXXX. I have never had a XXXX account of any kind. 

The XXXX account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/2108. 

IF the Victoria 's Secret Card is also XXXX 's, and once Again ALL XXXX are listed as XXXX XXXX  on my report, that would also need deleted. 

The account, account number XXXX, reference number XXXX XXXX XXXX  on XX/XX/2017 and was opened with Victorias Secret. The Zales account account XXXX XXXX XXXX, formerly Zales is listed as Comenity. 

ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CA)

I opened my NAVY FERDERAL checking account last XX/XX/year>. 
Navy Federal would make all my transactions pending and they would charge when no money was left and I would get charged over drafts fees. 
I also had the problem where money from my savings account would randomly get transferred into my checking account but the money would never appear in my checking account. 
I had no clue what was charging my account I would purchase something and it would be pending for a couple days and make my account go negative.
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (NY)

To Whom It May Concern, I am submitting this formal request to validate a debt pursued by L J ROSS & ASSOCIATES, referenced in their communication dated [ insert date ]. This submission is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I dispute the validity of this debt and request that the debt collector provide the following documentation to validate their claim : Details of the Alleged Debt The name and contact information of the original creditor.

A detailed itemization of the debt, including the original balance, all fees, interest, or other charges applied, and the current balance.

Proof of Collection Authority Documentation showing that L J ROSS & ASSOCIATES is authorized to collect this debt. 
A copy of the signed agreement or contract establishing the original obligation.

Verification of My Responsibility Evidence demonstrating that I am responsible for this debt, including verification of my name, address, and any account numbers associated with the debt. 
Legal Compliance Copies of any judgments, if applicable. 
Written confirmation that the debt has not been sold, transferred, or assigned since the original obligation was incurred. 
Per the FDCPA, I request that all collection efforts be paused until this validation is provided. Additionally, I request that future communication be conducted in writing and sent to the address listed above. 

Thank you for addressing this matter promptly. I appreciate your assistance in ensuring compliance with federal regulations.
Consumer complaint received 2024-12-02
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (VA)

I went to XXXX XXXX XXXX to with the intention of only looking at the furniture. The sales associate persuaded me that I could get a sofa on credit. I was able to get it with Fortiva everything seem to be going good but I was down to under {$600.00} in payment to my surprise my bill is at {$930.00}. when I enquired about the company representative called XXXX told me in a text, we see that your 12 months deferral promo was expired on XXXX an interest charge of {$330.00} was charged to your account. This is the exact words in the text. 
I am upset about this because I was never told that from the furniture store or Fortiva when I applied for the credit. They are making it impossible to get this bill paid off. I have been paying on this purchase for 12 months and they never said anything although they claim its in the statement with an additional {$43.00} dollar fee every month. I pay my bill online and I am ill now missing days from work. It is not right the practices of these companies. I am not sure what will happen by reporting this but other consumers have to know its not right they are taking advantage. And they also applied an annual fee of {$79.00}.
Consumer complaint received 2023-06-27
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)

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  Account numberXXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or 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 2024-11-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (VA)

XX/XX/year> Sun Rise collection reported on my XXXX and XXXX reports. I never received any notification or communication that this company was claiming I owe a debt. They just reported to my credit report. I have no knowledge of this company nor did I initiate a transaction with them. They are in a number of violations. 605b, 18 U.S.C. 51028A, FDCPA 15 USC 1592 ( g ), 15 U.S.C $ 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. $ 1681n ( a )
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (NJ)

These unfamiliar inquiries on my credit report is really concerning. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened as I did not applied to them and it's causing me a lot of stress and XXXX
Consumer complaint received 2023-06-27
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. (TX)

On XX/XX/XXXX reviewing Identity analysis report I found the following information as to why my credit bureaus reports are all over the board. Under XXXX XXXX  web search XXXX XXXX, no knowledge of this person. States record created XX/XX/XXXX, with the date of birth of XX/XX/XXXX. It shows last XXXX social security number as XXXX, which is mine. From Texas zip code XXXX and last XXXX DL # XXXX. Says site ; XXXX, breach occurred in XXXX of XXXX. ID XXXX. Phone number XXXX, update, date XXXX @ XXXX. This is the proof I have been seeking for 2 months to figure out why my credit score keeps plummeting. This helps explain why so many duplicate inquiries. You can see from the searches that someone is trying to manipulate my credit report for their good. The only explanation as to why this name would appear anywhere in my credit report is FRAUD SUPPORTED BY XXXX, Equifax, XXXX AND FICO FOR THE BENEFIT OF INCREASING BIG BUSINESS INTERSTATE. There is no concern as to why a person out of the blue is shown up in my credit report information from XXXX.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (MD)

I contacted consumer reporting agencies Equifax and XXXX on XX/XX/23 to let them know that there are unauthorized transactions on my personal report that I want removed immediately. Both agencies told me that they can report any information sent to them from any company and they will not help me. I informed them again that the transactions are unauthorized and unvalidated but neither agency would remove the information from my report.
Consumer complaint received 2024-10-29
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. (NY)

My friend XXXX XXXX added me as an authorized user to his account. My credit was frozen indefinitely with XXXX, TransUnion, and XXXX. Yet you reported a hard inquiry and debt for an account that was not mine and ruined my credit score. This information was incorrect and needs to be corrected immediately.
Consumer complaint received 2023-06-27
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX