davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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. (PA)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 
Please delete these fraudulent items in my file : XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

I am writing to formally dispute the validity of an account reported by Ally Credit Card on my credit report. The account, reported on XX/XX/year>, reflects a balance of {$XXXX} and a charge-off status. I dispute this charge-off entirely because there is no contractual agreement between me and Ally Credit Card that authorizes them to report this information as my creditor. Despite the provision of statements or other documentation, I assert that these documents do not establish a legally binding agreement between myself and Ally Credit Card. According to 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting inaccurate information to credit reporting agencies. The lack of a contractual agreement renders this information inaccurate and misleading. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, Ally Credit Card is required to conduct a thorough investigation and verify the accuracy of the information reported. Without a valid, signed contract that explicitly authorizes Ally Credit Card to report this account, the reported information is unverifiable and should be deleted immediately. XXXX also has a duty under 15 U.S.C. 1681i to investigate and remove any information that can not be verified. As this account is not supported by a contractual agreement, it can not be legally verified and must therefore be removed from my credit report. I request that the charge-off status and the {$XXXX} balance be entirely deleted from my credit report, as there is no legal basis for its inclusion. The continued reporting of this information is not only harmful to my credit but is also a violation of my rights under the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. I expect a full investigation and the immediate removal of this erroneous information.
Consumer complaint received 2023-11-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

A XXXX  XXXX  credit card was opened in my name without my consent or knowledge. I have contacted them multiple times for them to close the account or report it to the credit bureaus but they have not done so. I have also request a letter be sent to me but it has been 3 weeks now and I have not received anything. I don't have access to this account and this charge is showing as past due on my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Numbers : XXXX These list of accounts have violated my rights. 15 U.S.C 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2, states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 U.S.C 1681 ( C ) ( A ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any information related 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 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO. (VA)

I bought a new XXXX XXXX XXXX in XXXX. Since that time, I've made regular payments to Ford XXXX company except during periods I didn't have steady work ( in XXXX for example ). Ford has sometimes tacked on my payments to the end of my car loan but for the most part has been EXTREMELY difficult to deal with. They even repossessed my car once. 

They have routinely blocked my access to their online payment portal when I've been late with payments in their efforts to " punish '' me. This hasn't been helpful to me as a customer at all. I called them a few months ago and explained I am only working XXXX right now and working very hard to secure XXXX work, but none of the reps I spoke to were helpful at all. Instead, they did what they've always done which is to block my access to the online payment portal and reported my car loan as delinquent and other negative information to the credit bureaus.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NJ)

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : -TDRCS/RAYMOUR & FLANIG. Opened XX/XX/year> XXXX {$8000.00} XXXX XXXX. Opened XX/XX/year> XXXX {$2200.00} -XXXX  XXXX. XXXX XXXX Balance {$21000.00} appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1681. XXXX. These list of accounts have violated my rights. 15 U.S.C 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2, states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 U.S.C 1681 ( C ) ( A ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any information related 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TN)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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, 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 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (AL)

this was an account opened by my EX husband back in 2017 and i had no idea he was opening accounts using my social security number this is causing me GREAT distress and has literally ruined my credit for the last seven years now! i wrote them and THEY decided the outcome! i am an elderly person living only on my social security at this point and dispute this debt ... .STILL. please help me!
Consumer complaint received 2024-08-26
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (AR)

I had a direct deposit at XXXX XX/XX/year>. XXXX minutes later a check was processed for {$660.00}. Money network claimed they caught it in time and I'd be refunded in 3 to 5 days. I called and they said it had been cashed so I'd need to file a dispute. The check was to a XXXX XXXX and signed by a XXXX. Obviously not me. I've been getting ran around and telling me 90 days. This is my rent money and my kids and I are going to be living in my car if I don't get this taken care of.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX Account # XXXX This account is listed twice on my XXXX credit report with two different balances but same account that is false and fraudulent.

I'm requesting debt validation, assignment contact, purchase agreement and method of verification who was interviewed regarding this account. 
I'm disputing factual data it's impossible and fraudulent to have the same account number with different balances. Provide me all the information above by email or mail within 5 days or remove these accounts immediately
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

My account has been frozen for a month now. I have funds in the account but can not access them. I signed up for another bank and found out Im on early warning systems because of navy federal. My account, even though frozen has no negative balance and has never been negative.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

On Wednesday, XX/XX/year>, I submitted an online ACH Payroll Payment in the amount of {$1100.00} to the wrong account. The employee who earned this income did not receive their funds, instead it went to a different account. I was notified of the issue by the employee on Sunday, XX/XX/year>. I called Chase Business Banking on XX/XX/year> and was advised that they could reverse the XXXX payment on Monday. I called Chase Business Banking on Monday, XX/XX/year> and was given the run around between 3 different agents. An Agent from the Business online technical support team told me my payment would be reversed within 2-3 business days and provided the confirmation number XXXX. I went into the Chase Bank Branch location in XXXX XXXX and spoke with an banking associate and the assistant manager to further ensure that the ACH payment would be reversed so that the correct employee can be paid to the correct account. I was told that if the wrong account holder withdrew the funds from their account already, that Chase could not process the reversal. They advised me to wait and see. I just received a notice from Chase Bank saying If the reversal is successful, we'll return the money to your account within XXXX business days. 

Unfortunately, the employee who should have these funds does not, and they need their money. The bank should be able to reverse an ERRONEOUS transaction no matter what and sooner.
Consumer complaint received 2024-08-02
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. (FL)

THESE HARD INQUIRIES  ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE XXXX AS WELL . THANKS



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02
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: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2023-11-08
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. (MD)

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.

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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit, according to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. XXXX, XXXX, & XXXX are third-party companies, and furnishing my credit profile is illegal and unlawful. please remove this information from my credit profile. it is unlawful for false and misleading denial of my unlimited credit based on Title 15 Subsection 1611 of the US code.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I was a victim of Identity theft, there is a fraudulent inquiry on my Experian Credit Report. Please remove this hard inquiry that doesn't belong to me XX/XX/year> - XXXX  XXXX XXXX I have already filed a FTC report.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CO)

This bank commits Federally Illegal, Organized Felony Criminal Acts of Racketeering including Extortion, Fraud & Discrimination & Harassment.

They allow Debit Card Payments to Credit Lines/Cards over the phone, however their website doesn't allow these payments to be made ; This itself is a violation of the ADA. Their " Support Agents '' commit Fraud in order to endorse & attempt to ignore reports regarding this violation, openly Discriminating against Consumers while doing so.

Their Back-End Automated System " randomly '' rejects payments without providing anything resembling a reason ( Account the draft came from had just been used to pay another Cards payment of more than twice the amount, with multiple times enough to cover both payments in the Account ). 
Payment 1 Made : XX/XX/2024 XXXX {$200.00} ( fraudulently rejected by synchrony ), Payment 2 Made : XX/XX/2024 XXXX {$590.00} ( processed without issue ), Payment 1 Rejection Notice : XX/XX/2024 XXXX ( payment rejected, " Support Agent '' confirmed there was no issue with the Account I drafted from, that it was an issue with their automated system ), Payment 2 Confirmed : XX/XX/2024 XXXX ( received notice of posted payment ). 

This causes automatically applied late & returned payment fees, which their " Support Agents '' repeatedly insist will be waived " as the returned payment was not your fault '' however the fees are not in fact " waived ''. 

I have Video recordings of Website Live Chats with their " Support Agents '', as well as Audio Recordings of Phone Calls evidencing their ongoing, Discrimination, Fraud & Extortion.

They then spam consumers with Fraudulent collections notices, as well as Fraudulent & false strikes to their Credit Reports at the varied Credit Unions. 

After that happens, they use the Fraudulently returned payment ( s ) & negative strikes on the Consumers Credit Reports as a False & Illegal pretext to lower your Credit Limit every time you make a payment, preventing you from using the Credit Line further.

I fully expect these Racketeering Extortionists to attempt to close my Credit Lines as soon as they are both paid down. 

Their company & support agents act in a premeditated manner along with XXXX to commit Federally Illegal, Organized Felony Criminal Acts of Racketeering including Extortion, Fraud, Discrimination & Harassment.