davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TN)

In XX/XX/year> I have provided official XXXX XXXX transfer orders to XXXX to the leasing office of the place where we just signed the lease not even a month prior. The landlord did not honor the military clause which allows active military personnel, who either are called to duty or must relocate, to break a lease and get their security deposit back. Not only did we not receive the security deposit back, we received a letter on XX/XX/XXXX, stating the account will be sent to collections with National Credit Systems and the email in which the formal letter was attached to also stated if we don't pay it will affect our credit as well as rental history. We did not even live at the apartment but one week and are getting charged thousands, damaging the credit in the process! When I tried to dispute with the leasing office I was told the leasing manager who sent the email and official statement no longer works there and that they already sent it to NCS and to contact them. The official statement of what is owed that was attached clearly states " Military Transfer '' as a reason for breaking the lease. So I would like to dispute this and have it removed from my credit report. We are an XXXX  military family.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

XXXX continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect XXXX has date as XXXX ) first inaccuracy : wrong date ( XX/XX/2017 ) ( correct date : XX/XX/2017 ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from my legal name and in fact XXXX  claims to verify this inaccurate information with the Courts today I will prove XXXX wrong I have disputed the public records with the XXXX Bankruptcy XXXX who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

I will upload copies of the letter from the public records Court officer stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and 3rd inaccuracy the reference # on Experain is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and XXXX sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the times XXXX verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!
Consumer complaint received 2024-06-08
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

I traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. Ally place a late payment in my credit report and days later sent me an email with the car being paid in full. 
I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (AZ)

I recently Reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an acccount that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. XXXX not requesting you to investigate my XXXX  XXXX XXXX payments and Update these payments to paid on time immediately. Thank you for your understand and prompt action.
Consumer complaint received 2024-06-07
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-17
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. (CA)

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

LexisNexis has published and provided information to the credit reporting agencies stating that I have a XXXX XXXX XXXX XXXX bankruptcy on my file from XX/XX/XXXX and XX/XX/XXXX respectively. They stated they received this information from the courts. This is incorrect and Im asking that it is removed immediately as this is a violation of my rights. I have a letter from the bankruptcy court stating that they did not report this information to LexisNexis or any other credit agency.
Consumer complaint received 2024-06-07
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the inaccurate public record currently listed on my credit report. Specifically, the record inaccurately indicates a judgment against me, which does not exist. Upon reviewing my credit report, I was dismayed to find this erroneous public record. There has been no judgment filed against me, and this mistake is seriously affecting my credit standing. I have taken the necessary steps to address this issue and have filed a complaint with the Federal Trade Commission ( FTC ) to document the inaccuracy and its impact. Given the serious nature of this error, I urge you to conduct a comprehensive investigation into this matter and remove the inaccurate public record from my credit report immediately. The presence of this false information is unjustly damaging my credit profile and could have significant adverse effects on my financial wellbeing. 

Bankruptcy XXXX  XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

Myself ( XXXX XXXX ) and my now Ex ( XXXX XXXX ) went to rent an apartment at XXXX XXXX. 
We Signed a XXXX with the employees at the property but the lease signed was not a legal lease with the company that actually owned the properties which is XXXX XXXX XXXX. 
The employees claimed they were the owners of the property. 
XXXX XXXX XXXX has no records that I signed a lease with them. 
We paid for XXXX months rent and all other payments using money orders, all of which were cashed in by the employees but were out into the employees private ledger and was not sent to XXXX XXXX XXXX. The employees filed an eviction through the courts after stating they never received payments from us. 
we contacted the FBI and an investigation was filed. 
we went to court and the employees ( plaintiffs ) mid court proceedings tried to change the case from summons of eviction to summons of collection, which did not reflect on the court documents. 
Employees admitted to having private ledger and putting payments into it. 
Employees did not nor could not validate the signed lease as signed with Management resource development. 
The judge sided with the plaintiffs but gave no verdict nor reward and told me and my ex that of we moved from the property before the XXXX of XXXX ( which we did ) then we were not obligated to any payments and the plaintiff/employees agreed yet still filed an unlawful collection for an unlawful lease. More information can be given at a later time.
Consumer complaint received 2024-06-07
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (IN)

Dear XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX : XXXX Date XX/XX/XXXX You stated that I owe an alleged debt to XXXX XXXX account XXXX XXXX I would like XXXX XXXX to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX  starting in XXXX. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX still has the original signed contract with my two wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in 10 days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all 3 bureaus immediately or I will pursue legal action.
Consumer complaint received 2024-07-13
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 am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 

Details of Disputed Entries : Creditor Name : XXXX XXXXXXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.

15 U.S. Code 1681i : Specifies the procedure for disputed accuracy, which includes timely investigation and correction of inaccurate information.

15 U.S. Code 1681s-2 : Obligates furnishers of information to report accurate information to credit reporting agencies.
If this issue is not resolved within 30 days, I will be forced to take legal action for violating my consumer rights under 15 U.S. Code 1681n and 15 U.S. Code 1692k.
Consumer complaint received 2024-06-28
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I am writing to file a complaint regarding disputed charges assessed by XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX and subsequently sent to National Credit Systems , Inc. ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) for collection. Despite making the payment to avoid potential credit issues, I maintain that the charges are unjustified and unsupported by sufficient evidence. Additionally, the collection agent threatened to report the debt to credit bureaus while the dispute was still open. 

Here is a chronology of events : Initial Contact with XXXX XXXX : *Contacted via email and phone to dispute the charges immediately. Received no response. 

First Letter from Debt Collector : *Asked us to pay the charges or dispute *Disputed the charges immediately upon receiving the letter. ( sent by them on XX/XX/XXXX ) XX/XX/XXXX to XX/XX/XXXX : * No correspondence from them on the status of the dispute. 

Second Letter from Debt Collector : ( sent by them on XX/XX/XXXX ) *Received a threat to damage our credit if the charges were not paid. During a phone call, the collection agent initially did not acknowledge the dispute. After taking an hour to review, the agent claimed that not conducting a XXXX  inspection forfeited our right to dispute the charges. We were threatened with credit damage, forcing us to make the payment. 

*Formally requested proof via email on XX/XX/year>, and sent a letter via XXXX XXXX Despite payment, no proof of the damages ( such as photos ) was provided, even after multiple requests via email, mail, and phone. 

Despite payment, no proof of the damages ( such as photos ) was provided, even after multiple requests via email, mail, and phone. 

I have received an itemized list of charges but no justification for the damages claimed. Specifically, I requested Photographic Evidence : Clear photographs documenting the alleged damages that justify the charges. Furthermore, justification is needed on how this damage so not qualify as wear and tear. 

XXXX XXXXXXXX XXXX XXXX ( c ) and XXXX require landlords to provide a written, itemized list of damages and charges within 30 days of move-out. The tenant can request receipts if there is a dispute or issue regarding the cost and proof. This law does not state that a tenant 's rights are forfeited if a move-out inspection is not conducted. Our lease agreement does not specify that I waive my right to dispute the charges, contrary to what has been repeatedly stated by the collection agent.