davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NM)

I have had an aspire credit card for several years.I close the account last year and they are still charging me a twelve dollar and fifty cent monthly fee for open account maintenance. When I called in to report a problem and told them that the phone call was being recorded They ended the call and said they will not talk to anybody.That records phone calls and they now are blocking me and will not talk to me because they say I am recording them even though it is legal under New Mexico.State law for me to record them
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a an opt of my credit file and found information to be inaccurate, incomplete or unverified. XXXX investigated and deleted the account with XXXX XXXX. Account number XXXX. I provide a copy of the deletion results to XXXX and Transunion but they refuse to follow the laws they have in place. If one bureau finds an account to be inaccurate, incomplete or unverifiable, they must share the information with all reporting agencies.
Consumer complaint received 2024-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Upon checking my credit report I noticed some UNAUTHORIZED HARD INQUIRIES.Equifax and other credit reporting agencies are obligated by the FCRA to report accurate accounting. I the consumer have advised ALL the inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer. Consumer is now requesting XXXX to provide the documentation used to determine inquiry was authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under SEC to follow certain rules. XXXX XXXX file number is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I will be filling XXXX treasury omb forms to audit my consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. Please remove items listed below. 15 USC 1581 PERMISSABLE PURPOSES.
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (CT)

I dont know the debt as I didnt sign up with XXXX XXXX  or monteray financial! They are threatening to negatively impact my credit report. In which Ive been trying to raise my score. I would not sign up for a XXXX  anything as on a fixed income with SSD and any travel I do is rare or a special occasion as XXXX since birth. 
My father has same name and knew all my information as I knew his but he past away and had XXXX at the end. Find hard to believe he would have done this but I know I did not! 
Also, any student debt is to be erased because of my XXXX and advised by XXXX  to wait until youngest XXXX  in XXXX. 
Thank you XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

JPMCB card opened XX/XX/year> with a XXXX limit and XXXX dollars had been charged to the card. I found out about the account from XXXX XXXX and called Chase. I confirmed there was that account in my name with Chase. They changed my security questions, made a secret security word, confirmed my info, changed my user name and password, told me to report to XXXX XXXX which i did today XX/XX/year>
Consumer complaint received 2024-08-13
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

on XX/XX/XXXX I send out a letter to opt out of nelnet 's authorization. They ignored my request and continued to send me mail to a name I am not affiliated with and also continues to report on my consumer report false information. as per the educational and privacy act of XXXX and 34 cfr 99.31 this company is acting out of compliance and reporting protected information.
Consumer complaint received 2024-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-27
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. (CA)

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and I am wrote to XXXX to request consideration in removing a late payment from my credit report associated with my student loan account. The late payment in question occurred in XX/XX/XXXX with a 90 day late payment out of the blue and another 90 day late payment in XXXX, XXXX with no 30 day or 60 day. This is inaccurate reporting. I have sent a copy of this letter to the credit bureaus and also to XXXX asking to correct this error. 
I am currently aiming to achieve the goal of purchasing my first home. Unfortunately, the presence of this late payment on my credit report is hindering my ability to qualify for the most favorable mortgage rates. 
Therefore, I kindly requested that XXXX consider removing this late payment from my credit report because it is an error and not accurate. I have consistently demonstrated responsible financial behavior, and removing this mark would significantly improve my credit score and allow me to pursue my goal of homeownership. 
Thank you for your time and consideration.
Consumer complaint received 2024-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from 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
Consumer complaint received 2024-06-27
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. (TX)

I sent a certified letter to TransUnion and XXXX XX/XX/XXXX of XXXX  about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/year> in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXXXXXX XXXX XXXXXXXX Account # XXXX charge off date XX/XX/year>XXXX XXXX  Partial Account # XXXX charge off date XX/XX/year> XXXX  Appliances partial account # XXXX Charge off date XX/XX/year> However I wasnt notified of the status being updated from being charged off to being active again. The accounts were removed and they are now showing on my credit. In addition, I did not give TransUnion or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Refer to Complaint # XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the XXXX  listed on my credit report. I have a letter from the court confirming that this XXXX  should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-27
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. (CT)

The inquiries listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Good afternoon, I submitted a claim with Navy Federal regarding a fraudulent charge from a Company called XXXX. I believe my claim should be honored due to the fact that I have never authorized any charges made within the claim from the merchant in the amount of {$1600.00} dating all the way back to XX/XX/year>. Ive reached out to my bank ( Navy Federal ) and I tried to reach out to the Merchant as well, in order to speak with the merchant its stated a account must be created which I will not created because I dont not trust them with any of my information.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-27
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX  XXXX Balance Owed : {$970.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} Chapter XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-27
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-27
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. (PA)

Per FCRA 605B, we must delete any inaccurate accounts from my credit report. Can you examine the documents? Some of the accounts have been reported inaccurately, with incorrect amounts and dates.
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: FlexShopper, Inc (FL)

On XX/XX/scrub> 2024 I received a notification from my bank that I had {$300.00} charged from my savings account by Flexshopper, which put my account in the negative. I immediately reached out to the company for clarification and learned that when I had discussed a solution for addressing a past due amount of {$300.00} on XXXX XXXX2024 that I would be charged twice that week on Friday the XXXX XXXX XXXX. Since XX/XX/year>2024 where I used Flexshopper at XXXX XXXX  for critical auto repairs, I have been making weekly payments of {$100.00} ( which was already {$36.00} more than I was told I would have to pay on their website when I was approved for {$1700.00} / with monthly payments of {$64.00} ) and had missed a few payments due to employment issues and already had been struggling with them suddenly double charging me in a week so I would have {$200.00} being taken out of my savings and putting me in the negative, I wanted to get this issue sorted out as soon as possible. Instead not only was I not charged at all on that day but they had added an additional {$100.00} for this week, leading to the {$300.00}. I have reached my breaking point with this company as theyve throughly messed up my credit and my fathers credit as hes attached to my bank account, Ive missed rent and utilities days because theyve taken any savings Ive had out of my account and customer service was next to impossible to get ahold of. Especially as Im only {$180.00} away from paying back what I originally borrowed.

Since this situation and making the previous complaint, things have deteriorated further as after XXXX XXXX payment, Flexshopper has not pulled any funds from my account even though our lease agreement terms have not changed nor has the payment plan changed to be manual payments and the only notifications I have received were a text saying my account was now passed due an additional {$100.00} even though no payments had been processed. And when I reached out on XX/XX/XXXX to learn why this was happening and to resume payments, I was placed on hold for over an hour after reaching a representative and I was then hung up on. And when I tried to make connect again, the number wouldnt connect and I was specifically in the best location for cellular service so I know my call wasnt dropped and I tried for two days after to get in contact with someone to address the situation to no avail.

So Im making a new complaint not only for the previous {$300.00} payment on XX/XX/XXXX but that Flexshopper has now for two weeks since ceased our automatic payment plan and making my payment now {$500.00} past due and purposefully dodged my calls and made contacting them difficult in retaliation for filing the first complaint.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-27
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. (CA)

I am writing once again to inform you that I have been a victim of identity theft. It appears that my previous requests to dispute unauthorized items on my credit report have been disregarded. This inaction is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  Amount : {$0.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XX/XX/XXXX