davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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. (AL)

Subject : Request to Update Address and Remove Outdated Addresses from Credit Report I hope this letter finds you well. I am writing to request the update of my current address and the removal of outdated addresses from my credit report. As per the provided information, I have recently moved to a new address and wish to ensure that my credit information accurately reflects my present circumstances. 

Here are the details for the address update and removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 kindly request your prompt attention to this matter. Keeping my credit information up-to-date and accurate is crucial for the integrity of my credit profile. Please ensure that the new address is added and the mentioned outdated addresses are removed from all my credit reports maintained by your bureau. 

If any additional documentation or verification is required to process this request, please do not hesitate to contact me at XXXX or XXXX. I am fully prepared to provide any necessary information to facilitate the smooth update and removal of addresses on my credit report. 

I genuinely appreciate your assistance in this matter and thank you in advance for your prompt attention. Kindly confirm the receipt of this request and notify me once the necessary updates have been made to my credit report. 

Thank you for your time and cooperation. 

Sincerely,
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

n 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I contacted XXXX, Equifax and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. 
These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am refiling this complaint due to the resolution of the previous complaint filed. Again the account is appearing to have a late payment even if I was not late. XXXX XXXX I demand you to update this on my report cause it's clearly a violation of my rights.
Consumer complaint received 2023-02-21
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX account # 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I took a look at my credit report a few months ago and seen 3 accounts that i didn't recognize. After doing some investigation, i found out that those accounts where open fraudulently. I cantacted the bureaus and did exactly what they told me. i contacted the police department and filed a police report with the XXXX XXXX police department. I sent this to the bureaus but the accounts didnt come off.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

About two years ago I noticed a hit on my credit report from original debtor, I contacted them by phone asking for proof of validity of debt and all information I gave proved to them that it was fraudulently opened therefore it was removed from my credit report. Then about a year ago I noticed a collection account in the same amount on my credit report. I contacted the collection company, and have sent in writing multiple times for proof of debt and even sent where it was removed from my account because it couldnt be verified as an account opened by me. All I have gotten in response is payment options with no information related to my request.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates purchased an account from XXXX and filed a lawsuit against me for {$1200.00}. 

I requested key information from PRA during the discovery process, including what was purchased with this alleged account and what processes are in place at PRA to ensure the accuracy of the accounts they are purchasing. PRA was evasive and did not provide answers.

I denied ownership of this account in court proceedings. When the court ordered arbitration, PRA dropped the case.

I have begun the process of following all the steps for identity theft with this account. This was communicated to PRA via email on XX/XX/2024. 

PRA has several obligations under the FDCPA and FCRA, including deleting this tradeline from my credit report and ceasing collection activities.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (MD)

My emails that were sent to the company : My payments- XXXX every two weeks ( this included fee services that did not provided services when reaching out to assistance ) 1. Resubmitting my email below from last week. Please could someone get in contact with me about my concern with my next two payments please. 

Thank you, XXXX XXXX XXXX : XXXX Home : ( XXXX ) XXXX Begin forwarded message : Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Subject : My OMF NextPayments Hello, I called to today to reach XXXX XXXX who was the agent that financed my loan with OMF but there was no answer. 

I have an unexpected expense that came up in my household and I would like to know if I could possibly either skip or move my next two payments to the back of my loan, I know interest may still accrue but I have to pay for this expense to be fix asap. 

If someone one could reach out to me as soon as you all available to confirm if this could be a possibility. 

XX/XX/XXXX : XXXX XXXX XXXX I gave you a call as instructed yesterday to move my next two payments due to needing to get my truck out the shop. I also called today. 

I will not have this payment for the next two payments starting this Friday XX/XX/XXXX and XXXX. 

Could someone please make sure to make these changes on my account as soon as possible so nothing would be withdrawn from my bank account for OMF. 

Begin forwarded message : Date : XX/XX/XXXX at XXXX XXXX XXXX Subject : XXXX : My OMF NextPayments Hello, Resubmitting my email below from last week. Please could someone get in contact with me about my concern with my next two payments please. 

I also called on the following days : XXXX I spoke to XXXX about my situation and concerns about not being able to make my payment that was coming up next due to my truck being in an accident and I was told to give her a call back on XX/XX/XXXX which I did to make some arrangements. 

XXXX I called One Main FinanciaXXXX 3 times no answer and I left voice messages. 
XXXX I spoke with an agent from One Main financial and again I let them know my situation and being a home owner and running into a hardship and they ran my credit again to see if I can get a lower payment to try be in a better situation and I asked to take away the services that was offered, special the auto/home care because they were no help. There was no assistance offer or resolution to my situation. 

XXXX One Main has been calling and sending countless of mail. I am at my wits end and they keep reporting to the credit bureaus each time on a missed payment. 

I am not sure what my options are with trying to get out a financial aside from a bankruptcy which is not something I want to go through.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MD)

I have reached out to Sequium Asset Solutions and requested validation of the debt from XXXX 3 times now. The initial contact was in early XXXX when they called. I also requested the credit bureaus authenticate this debt as I have paid XXXX when i returned the equipment. No debt validation was supplied. I have paid {$130.00} as of XX/XX/XXXX still without debt validation. I would like this to be updated as PIF and removed. I have not received any communications yet they report past due on my credit report which is inaccurate as the debt still has not been validated and I have paid more money to have it removed.
Consumer complaint received 2024-04-18
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)

I contacted XXXX, XXXX and Trans-Union to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true! 
I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-03-09
Product: Credit 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: Bread Financial Holdings, Inc. (VA)

This dispute involves a vendor and a bank that handles the credit card billing. In the summer of XXXX, we discontinued our relationship with Dell Financial Services. We had been obtaining a subscription for XXXX XXXX XXXX through Dell Financial Services for two years but became frustrated with their " customer locker '' for ordering services, so we decided to purchase a new subscription directly from XXXX and opted not to renew through Dell for another year. But then in XX/XX/XXXX we began receiving bills from Dell issued through Comenity Capital Bank for {$69.00} for " subscription renewal. '' We refused to pay. Comenity began adding on late fees and other changes. The bill grew to {$170.00}. Comenity began calling us incessantly, every hour on the hour. We at first ignored the calls but then finally agreed to talk with them in XX/XX/XXXX and told them we disputed the charge. They said we had to contact the merchant, Dell Financial Services, to dispute the charge. We called Dell XX/XX/XXXX and told them that we did not order a subscription for another year of XXXX. They agreed that our balance should be XXXX. But when I called Comenity immediately after, they refused to go by what Dell said. They insisted we still owed the money. I became angry and terminated the conversation. On XXXX, we were speaking with a financial advisor who said that we should go ahead and pay the disputed amount so it wouldn't show as a delinquency in our credit report but then said we should immediately file a complaint with CFPB. We paid the bill XX/XX/XXXX and now our balance with Comenity is XXXX. I think part of the problem with Comenity is that they are based in XXXX and English is not their first language. And given the rudeness of the Comenity call center personnel and their absolute refusal to back down, I think there is a financial incentive for them to not resolve disputes and to collect on balances owed no matter what. I find their business practices to be unethical and perhaps even illegal.
Consumer complaint received 2023-08-05
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 put in a dispute for a loan that is not mine and thats shown on my credit report that shouldnt be on my credit from ( XXXX XXXX ) on XX/XX/XXXX to all 3 credit bureaus. The account belongs to my father who has the same name, the Loan is under his business XXXX XXXX XXXX XXXX ) which I have nothing to do with, under his address, and his phone number. I never signed anything for the loan, never gave an id and the loan company isnt doing anything to correct this and neither is the credit bureau. For some reason my Social was somehow used for the loan but me and my father have been trying to get it in the correct name aka his name and the correct account and off of my credit since I have nothing to do with this loan as it is incorrectly reported and affecting my credit. The financial loan company has incorrectly put a loan in my name that needs to be removed as soon as possible as I never authorized anything and it is not my business, or have anything to do with me. The account needs to be put in his name and off of mine. My father even sent an email to the companys dispute department explaining that its his loan and should not be in my name and they still havent done anything about it. Its been over a month and nothing has been addressed as this loan is false reporting and fraud on the creditors end since I did not have any knowledge, sign, or give any of my information.
Consumer complaint received 2024-03-09
Product: Credit 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: SYNCHRONY FINANCIAL (FL)

Synchrony Bank/CareCredit has been made aware through documents I have sent them, dozens of pages, that I paid for treatment by DOCTOR but instead I received treatment by a man IMPERSONATING a Doctor. They have the proof I sent. But continue to insist on fake investigation of dispute to protect the merchant that is a scammer and a fraud. Im not liable for that. I was scammed. XXXX XXXX is not a XXXX nor he had any medical licensing in the time of my XXXX in XX/XX/XXXX of XXXX. He treated me pretending to be a Doctor.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MA)

I reached out to Robinhood Markets Inc concerning the issue regarding the restriction placed on my account, which has left me unable to access my funds. Despite receiving detailed instructions via email on how to lift the restriction, I have encountered significant discrepancies between the provided instructions in the email and the app which claims that no action is required. 

I was initially informed that I would receive notification by XX/XX/XXXX, which was suspiciously revised to XX/XX/XXXX, today ( XX/XX/XXXX ). Despite assurances of a follow-up call within XXXX business days following the email sent on XX/XX/XXXX, I have not received any such communication. 

With a substantial sum currently held in my brokerage account, this situation has caused considerable XXXX and inconvenience. Regrettably, my attempts to rectify the issue have been hindered by conflicting information and inaccessible steps outlined in the emails received.
Consumer complaint received 2023-01-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK (NY)

About XX/XX/XXXX while recovering from a major XXXX, I discovered that my credit score has dissappear it read " XXXX ''. After reaching out to counselors I called Discover Bank for their {$200.00} Security deposit Credit card and after I received the card I was advised to pay another {$200.00} to to offer a total of {$400.00} credit. About XX/XX/XXXX I decided since I already have XXXX Score I no longer need a Secured credit card and I canceled with a positive balance of {$270.00} left on the account. Now I am facing lots of harassing calls from Discover Bank over a card that is canceled, they are claiming the positive balance left on my account before closing is a debt because I moved from my old address in XXXX, FL where I underwent XXXX to XXXX XXXX XXXX XXXX XXXX back to XXXX XXXX XXXXXXXX Zip XXXX. Now a Discover Bank representative is claiming I made XXXX, FL lose as best place and Zip code to XXXX NY and that my Credit Scores and history is what will pay for making the move back to XXXX. I consider this a treacherous mockery of my freedom and liberty and I want {$18.00} XXXX from Discover Bank for deliberately spearheading damages to my credit score when I was coping with XXXX and now pressuring me for lewd relationships over the phone for moving to XXXX XXXX XXXX Zip XXXX. My credit score is now XXXX. ** I want Justice **
Consumer complaint received 2024-01-31
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX