davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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 (NJ)

Lexis Nexis has written to me informing me that they are unable to authenticate my information and can not remove inaccurate reported XXXX. They have received all of my information and maintained it on file. ( Please see attachments ) On XX/XX/XXXX, I opted out of their data sharing of public facing records and on XX/XX/XXXX, I suppressed my information. On XX/XX/XXXX, I had a security freeze placed on my records and XX/XX/XXXX, I opted out again from Identity theft. The request were made prior to the bankrupcy reporting. The bankruptcy was reported to the agencies in XXXX of 2022. 

This Lexis Nexis as an organization has been sued for violating consumer rights and continuing to provide information that is inaccurate. They are not in compliance with the FCRA. Their inaccuracy in reporting a bankruptcy that never took place has damaged me and inhibited me from getting credit. I have written to them multiple times and opted out of their data sharing of my personal information with third party agencies. When you opt out, you are requesting to not have personal information sold to a third party, they continue to report this inaccurate information. 
The Bankruptcy Courts have informed me that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other THIRD PARTY PROVIDERS who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

Per Federal Credit Reporting ace, Section 609 ( a ) ( 1 ) ( a ), a corporation is required by federal las to verify through physical verification of original signed consumer documents, contracts or judgments all accounts and public information that you post on anyone 's credit report. 

My inquiry to the U.S. Bankruptcy Courts confirmed LexisNexis has never validated or verified these public record entries on my credit report. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I am demanding all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2022-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation (AL)

The company is GMFS mortgage. The problem is in how they apply their mortage payments. I asked to see consumer disclosures where they explain how payments are applied and they do not have forms online. They told me to MAIL a letter to GMFS XXXX XXXX XXXX GA XXXX and they there are no payment disclures they they would just respond to the letter. The problem is if you make payments throughout the month, they put the money into a suspense account. Then wait until you have the full balance to apply the money to the payment. BUT sometimes they take the money and apply it all towards principle. Even though when making the payment they ask if you want it applied towards the payment, principle or escrow. I put the amount in payment, but they applied it towards principle. They state that after XXXX hrs any money in suspense is applied towards principle. Although this is not stated anywhere nor do they have anything that was signed and agreed to for payment terms. This is alarming, becuase this creates late payments and fees. Also this is not in a written disclosure that you can find online or in a signed document. Who knows how many people they have frauded and recived late payments or misapplied funds.
Consumer complaint received 2022-11-17
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: Consumer Portfolio Services, Inc. (AL)

This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

The payments I made towards money owed on my credit card is not reflecting the balance on my card and the credit card company increases my credit limit without my consent. 
I have made several attempts to resolve the issues with the company about. First issue is that the payments I made towards my promotional balance were not applied. Secondly I did not have access to the activities on the account and there have been no transparency since I opened. Anytime I returned a purchased item to the store, a purchase made on the credit card, the refund never show up on my balance. And whenever I try to resolve the issue the customer service representatives give me a run around.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've already disputed these items with bureaus 7 months ago, more than 3 times, and they have agreed to delete this incorrect information, and it still has not been removed from my consumer report.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEAR EQUIFAX I, XXXX XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my consumer report with your company. the amount ( s ) owed are no longer outstanding for the following item : Party Owed : XXXX XXXX XXXX AMOUNT : {$940.00} ACCT # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF A WRITTEN AGREEMENT BETWEEN MYSELF AND SUNRISE CREDIT SERVICES. SOMEONE USED MY INFORMATION FOR THEIR PERSONAL GAIN. THIS ACCOUNT IS FRAUDULENT AND I AM REQUESTING THIS ACCOUNT BE DELETED FROM MY CREDIT FILE IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted from my consumer report. Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

I have disputed this account several times. After opening this account, my husband took the paperwork given to us at the store and created an online account with all of his contact information. He managed and paid this account the entire time until XX/XX/XXXX when he informed me that this account was in my name and he was no longer going to pay since it would not affect his credit report. He added himself, without my knowledge or consent, and received his own card. When we separated in XX/XX/XXXX, he continued to use this card without my knowledge or consent and maxxed the card out taking various trips and his monthly bills. I have a letter from Citibank that confirms that he did this. However, they keep telling me that because he was an authorized user, I am responsible for the debt. 
I have disputed this many times starting in XX/XX/XXXX yet Citibank continued to assess fees and charges and sought payment while it was under investigation. They continued to report to the credit reporting agencies as late throughout the entire dispute and investigation process as well. It was also charged off during the dispute and investigation. I was told the fees would be adjusted after the dispute and investigation. This was not done. 
Citibank continues to state that this debt has been verified but has refused to offer me any proof or documentation that has been requested multiple times as outlined in the Fair Credit Reporting Act. I have also filed a police report and FTC report as requested by Citibank.
Consumer complaint received 2022-11-17
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. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-17
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-28
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. (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 name : # XXXX, Account name : # 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 2022-11-17
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. (NY)

I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I'd like these removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-17
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (PA)

XX/XX/2022 {$220.00} I had spoke with Affirm right when I received a email saying someone was trying to make a purchase with the account I already had. The women stated she see this happen and I caught it just in time to put my account on hold. Affirm also has when your making a purchase you get notification on my phone to my number with a code you have to give them to confirm it's you that's making a purchase and I never got anything. but a email to my phone saying transaction was made from Affirm. I also send the information I got to my email from them saying it was a purchase to XXXX XXXX. I reach out and they couldn't give me information but the name on the account was different them my name and email is what she said. I being filled out dispute and they keep saying I had no case or it's not my fault.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been trying to pay off this card for over a year I keep making payments of about a XXXX per month and they keep on they keep on adding fees to it Making me start over again where I began at {$4000.00} Debt They are calling my phone every single day And their program says I owe {$800.00} as a minimum payment I can not pay this I want to put money towards the principle Not towards a constant fee I haven't even used the card In over a year. I am fed up and this is ridiculous I should be XXXX down by now On the way out update but yet I'm not This is in just and unfair They are sending a bill to my house every other day Harassing me calling me every day Sending the emails and letters and texts I don't want to call anybody because I will scream at them if I do. Is capital one credit services are a bully They deserve to be shut down by the feds And I don't recommend anybody use their services ever
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 2022-11-17
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. (MD)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required 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 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 2022-11-17
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. (NJ)

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 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 2022-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (CA)

Upon receiving my statememt I saw charges made on my XXXX XXXX XXXX  that were made without my permission and in XXXX, Again I did not use or authorize purches made on or around XX/XX/2022 & XX/XX/2022 in XXXX these charges are fraud not made by me. I reorted my card lost.
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX