davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I sent the following letter to this XXXX party agency and they responded by saying the XXXX XXXXy court verifies the alleged bankruptcy for them. I contacted the US bankruptcy court and received a letter back from the XXXX XXXX  court clerk stating that they do not verify bankruptcies for credit bureaus or third-party agencies like Lexisnexus. 

I also disputed with Lexusnexis as per XXXX XXXX XXXX Privacy protections for filings made with the court. My permission is required to publish such alleged public record in which I never provided concent. 

15 USC 1681 ( 4 ) I have not received a response back yet. 


LexisNexis Risk Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it XXXX concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less an alleged Public RecorXXXX that was not even reported to you by the alleged court. I formally contest the reportability of the alleged public record. 

Immediately, DELETE ALL record of the following alleged publ record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and in compliance with all XXXX reporting standards. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXe Filed/Reported : XX/XX/year> Reference/Case : XXXX Closing Date : XX/XX/year> This Public Record item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum " possible '' Accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX XXXX Format compliance since XXXX per the XXXX, DNP XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-07-07
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. (TX)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MD)

I opened a XXXX Checking and Savings account on XX/XX/2023 with a promotion that offered the following : 1. Receive a bonus of {$300.00} when you open a XXXX XXXX checking account and have a direct deposit post to the account within 90 days. 
2. Receive a bonus of {$200.00} when you open a XXXX savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
XXXX. Receive an extra {$400.00} bonus when you complete both of the above bonuses. 

I completed # 1 and # 2 and received the bonuses for both. After completing both I asked why I have not received the extra {$400.00} ( # XXXX ) and they mentioned they sent it to my Checking account but it got sent back since they closed my checking account after 60 days of inactivity despite their terms stating as long as you have at least $ XXXX in either a savings or checkings account ( for me it was in my savings ) I wouldn't have to pay a checking account fee. I was not notified my checking account was closed. They have its been almost a month now and I have not received the {$400.00}. 

I've been in contact with their online secure communications group and they keep mentioning they will get back to me within 5 business days but they never do and its been almost a month.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

I recieved a copy of my credit report and noticed several accounts on my credit file that I never applied for and never used. these accounts are fraud and needs to be removed from account below are listed the above referand accounts XXXX XXXX XXXX, XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, {$1000.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$970.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$330.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$880.00}, ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1000.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$21000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, {$7400.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX {$8300.00}, ( 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 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

XXXX : Auto-payment of old certification ( about $ XXXX ) in process. 
XX/XX/XXXX : Income recertification was completed online to expedite processing to lower payment, as income has dropped. Kept IDR plan as is. New calculated payment is around {$700.00}. Application is processing, though no documentation is required per company, since policy now is that until XX/XX/XXXX, income can be self-certified. 
XX/XX/XXXX : Contacted Mohela about changing auto-payment amount to updated lower payment -- rejected, since autopay already processing and do not want to go into forbearance, due to PSLF eligibility. 
XX/XX/XXXX : Auto-payment of {$1200.00} processed. 
XX/XX/XXXX : Processing Delay notification in inbox from Mohela. 
XX/XX/XXXX : Income recertification still in process. Contacted Mohela to request that if processing delay persists past the next payment amount due ( XX/XX/XXXX ), that I receive a refund. Mohela response : if application is still processing at time of next payment, I am not yet " approved '' for new payment amount and I will still owe old payment of {$1200.00}. My payment of {$700.00} will not be effect until the application is processed and approved. My response : if it wasn't for the delay in processing, my application would not take over 30 days to be process. Why should I be punished ( owe more money ) because of a processing delay? If my application was dated in XXXX, there was no warning that my application for lower payments would potentially not be approved beyond a month. If my application in XXXX states my income has changed, why would it not apply to my payments starting in XXXX? It does not make sense that the updated lower payments do not take effect until the application is processed. If a processing delay is order, I have the right get a refund for a payment done while there is a lack of staff to accomodate the large amount of paperwork during this unprecedented time. It is not my fault student repayment restarted for millions of people at the same time.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OK)

I received a call today, purportedly by someone from the XXXX XXXX XXXX  - a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), asking to confirm a purchase of a XXXX XXXX  and XXXX to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number XXXX XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File # ( XXXX ). She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least 10 banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the DEA for possible investigation into foreign money laundering. 

The DEA person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within 24-48 hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within 30 minutes to arrest me, and that I needed to get a good criminal lawyer. 

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the DEA " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TX)

XXXX XXXX and Avante USA both have balances on my credit report for the amount of {$1400.00} XXXX XXXX  ACCOUNT was opened on XX/XX/XXXX. ( {$1400.00} ) Avante USA ACCOUNT was opneed on XX/XX/XXXX. ( {$1400.00} ) The original creditor for both 3rd party companies is XXXX XXXX XXXX XXXX. Which is a hospital located in XXXX, LA my sources tell me. I XXXX the company and 2 separate numbers came up and neither were the actual XXXX company. I have been living and working in the XXXX area since XXXX and all hospitals visits have been to the VA hospital in the XXXX region seeing that I am a veteran. These accounts were opened fraudulently! Please Assist me!!
Consumer complaint received 2023-07-08
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. (OH)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Late XXXX  on XXXX XX/XX/2023 we made an arrangement with a moving company that misrepresented themselves. They claimed to be affiliated with a recognized company, which they were not, and we immediately tried to cancel the service before they processed the payment on XXXX XXXX. They were unresponsive, so first thing that morning I contacted Chase bank to try to stop them from issuing funds to the merchant. We cancelled the debit card and were issued a new number, so the funds should never have been withdrawn. 

The bank statements indicated that they did post the charge anyway on XXXX XXXX, but it was refunded by Chase bank on XXXX XXXX. I thought the issue was resolved. 

More than 45 days later, on XXXX XXXX I saw that the charge was being reversed again to my account. I contacted Chase who said they substantiated the claim with the merchant and I should try to follow up with them, but that is impossible. The representative even said it sounded like I was scammed, but they were unwilling to help. They are siding with a fraudulent entity rather than a loyal customer. I acted as swiftly as I could to try to prevent the scam. 
I have not been provided the evidence from Chase, but I expect it relates to a clause on the agreement that it couldn't be cancelled within a timeframe without forfeiting the deposit, but I believe that is an illegal contract stipulation, as there should be protection that any such contract can be cancelled by written request, which I tried to do to revoke authorization of the payment before it was processed.
Consumer complaint received 2023-07-07
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: Credit Corp Solutions Inc. (NY)

I recently reviewed my credit report. A Company called credit corp solutions is reporting on my XXXX credit report. The account number is XXXX. The debt reporting is {$360.00}. I am not liable for this debt with XXXX. I do not have a contract with Credit Corp Solutions. They did not provide me with the original contract as requested. I demand this account be removed as it is not my account.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

RE : Consumer Number : XXXX I, injured consumer, XXXX XXXX, did not authorize ANY consumer reporting agency to report, house, furnish, compile or exchange my personal information with anyone, including : third parties, affiliates or other entities on my behalf. I have never given LEXIS NEXIS consent or have I ever received proper disclosures allowing me to opt in to doing so. To my knowledge, LEXIS NEXIS does not have any expressed or implied contracts with my written signature authorizing them to do so. This letter serves as notice that you are hereby willingly and intentionally committing fraud by way of identity theft. As a consumer, the law protects my rights as a consumer and offers me protections as outlined by Congress against crimes such as identity theft. According to the Fair Credit Reporting Act subchapter F subsection 603.2, it defines identity theft as a fraud committed or attempted using the identifying information of another person without authority. Pursuant to 15 USC 1681b - you do not have permissible purpose to do so ; nor do you have authority to do so. Pursuant to 15 USC 1681c2 this information must be blocked and removed within 4 days. How did you obtain my personal information? Please provide me with your proof of authority to do so. Instruct all agencies, companies, affiliates and corporations you are actively furnishing any information to on my behalf, to remove it immediately and permanently. I have also attached a copy of the required FTC Identity Theft Report number : XXXX for reference. I have also included Form 14039 Department of the Treasury XXXX IRS Identity Theft Affidavit. No additional documentation is needed to authenticate my request or meet my demands as stated herein.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

About XXXX months ago my daughter babysitter started using my pc and extra phone to fill out application as well as to have a phone because she didnt own a cellphone, she had access to all my financial information, emails, banking as well as apps! Ive known her for years and trusted her! I didnt notice anything until Sunday XX/XX/23 when her mom called me and ask me was I letting her use my card to order clothing my answer was NO she only has the right to order food and thats it! Her mom told me that she was ordering items and shipping them to her friends house upon looking through my accounts I see she has been ordering items some 3 times in a day. I did NOT authorized her to use my accounts or cards to make any purchases other than XXXX or XXXX XXXX anything else she had NO rights! I have my police report, I have put in a dispute with all of my banks I bank with Chime is the only bank that hasnt giving me my money back i have sent in my police report and all info about the other banks! They take all of 10 minutes to come back and tell me there is nothing they can do the first day i tried to put a claim in someone had made 2 extra purchases and I called them to tell them and again they told me it was nothing they can do!
Consumer complaint received 2023-07-07
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. (TN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.