davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lendmark Financial Services (GA)

I am writing to dispute the inaccurate reporting on my credit report pertaining to the alleged debt associated with the account XXXX. It has come to my attention that there are multiple discrepancies that need urgent resolution. I have observed that both Lendmark Financial Services and the collection agency XXXX XXXX are reporting the same alleged debt. This constitutes a violation of the principle of double jeopardy. Discrepancies exist in the balances reported by Lendmark Financial Services and the aforementioned collection agency. I am confused as to how one account reports a balance that is {$600.00} more than the alleged debt. These inconsistencies need clarification. To date, I have not received proper validation of the alleged debt. You have failed to provide the necessary documentation, including the 1099-C form and the forward flow agreement form, to substantiate the legitimacy of the debt. The inaccurate reporting, failure to validate the debt, and discrepancies in reporting balances are clear violations of the Fair Credit Reporting Act ( FCRA ). I am formally requesting the removal of this entry from my credit report to rectify these violations promptly. If these matters are not addressed within 30 days as per FCRA, I reserve the right to pursue legal action to seek damages for the violations under the FCRA. Please consider this complaint as a formal notice of dispute as per the requirements of the FCRA.
Consumer complaint received 2023-04-12
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: TRUIST FINANCIAL CORPORATION (VA)

An account was open with TRUIST BANK without my knowledge. 
Account Number XXXX Account Type Installment Account Account Condition Closed Date Opened XXXX XXXX XXXX Last Reported XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
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. (LA)

THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN XXXX i never open XXXXXXXX XXXX or XXXX. 

XXXX XXXX {$2200.00} XX/XX/year> Account Number : XXXX ONEMAINb {$10000.00} XX/XX/year> Account Number : XXXX address i never lived in NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (TX)

I am formally disputing the presence of an inaccurate account on my credit report. Despite my repeated attempts to rectify this issue directly with the creditor, the erroneous account remains on my report, negatively impacting my creditworthiness and financial standing. 

I have diligently followed the proper channels to dispute this account with the creditor, providing documentation and evidence to support my claim. Despite these efforts, the account remains unresolved and continues to adversely impact my credit profile. 

I request a thorough investigation into this matter and the prompt removal of the inaccurate account from my credit report. Its presence tarnishes my creditworthiness and undermines my ability to access fair credit terms and financial opportunities.
Consumer complaint received 2024-04-18
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. (IL)

I recently received a copy of my Most recent credit report, and I noticed some late payments and inaccurate accounts posted on my credit report. This is incorrect and not reporting 100 % accurately. Creditor : XXXX ACCOUNT NUMBER XXXX This is paid as agreed and should not be reporting negatively on my report. 
Inaccuracy : Late payments reporting 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. Creditor : XXXX ACCOUNT NUMBER XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed these accounts so many times and I do not understand how the consumer reporting agencies continue to violate the FCRA by reporting inaccurate information. 
XXXX and XXXX are both reporting the XXXX XXXX account # XXXX. XXXX is reporting a high credit of {$0.00} and this is absolutely wrong. XXXX is also missing the account type detail and according to the FCRA I have the right to a complete consumer report and this is a violation of that. XXXX and XXXX are also reporting a different date last active and date of last payment. XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is inaccurate. The date of last payment XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both are wrong. Now the consumer reporting agencies claimed that this information was verified by the creditor. But why would the creditor give each consumer reporting agency different information. They are using XXXX to verify this information and clearly XXXX isnt a reliable source. I have given the consumer reporting agencies enough time to fix their mistakes but they ignored me so I am demanding this account be deleted asap. 
XXXX and XXXX are both reporting the XXXX XXXX account # XXXX. XXXX has never updated this account to reflect that it was disputed by the consumer and this is a violation of the FCRA since I have disputed this account several times already. This alone is grounds for deletion. The high credit is reporting {$450.00} with XXXX and this is inaccurate. XXXX is reporting an account detail lease and XXXX is reporting auto loan and this is inaccurate. According to the FCRA, everything reporting on the consumer report must be 100 % accurate and this account is not. XXXX is reporting a date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX and they are wrong. The date of last payment with XXXX is reporting as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous violations of the FCRA. 

XXXX is reporting on Transunion and XXXX and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. 

XXXX is reporting on Transunion and XXXX and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. XXXX is also reporting credit limit of {$0.00} and this is wrong.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (MO)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items within the next 5 business days.
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. (TX)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
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. (FL)

During the Covid pandemic, I fell victim to identity theft. I followed all the procedures, filing identity, theft, affidavit, police reports, submit it to the collection, agencies and credit bureaus, which all have failed me and was just generated a random generic validation. Ive reached out to each individual credit report bureau that is reporting these fraudulent accounts on my name, and they have failed me yet unable to give me validation of how they were verified. Other than there was an online application, submit it and verified that is their only verification of the debt, they have failed me as a consumer to investigate and block these fraudulent charges as I requested and did all of the steps they had asked me to do. I have no more faith as a consumer in our credit reporting agencies is a report, false information, and on my part fraudulent information.. In 2021 there was an account with XXXX XXXX XXXX for a real estate company for a lease for a home. I have dispute it with them which they have failed me and also the credit bureaus Im being ignored from this point as Ive sent them, my identity, theft affidavit, and my police report, proving that in fact, my identity was used without my permission, and I resided in the state of Florida during the time of these fraudulent accounts. All three Trans Union, XXXX and XXXX are reporting false and fraudulent information on my report which is causing me harm to my personal life, and I am unable to live my daily life financially due to the fact of these accounts being on my reports, and Im not able to move to another home because of these accounts on my name. I think you in advance for investigating the situation with the credit bureaus and exercising my rights as a consumer. 

Fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX Account XXXX Account to dash XXXX
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal denied me right to my credit after a hard inquiry was place on my credit profile which proves there was a draw on my account. This constitutes as discrimination and unauthorized use of my social security credit card. Furthermore Navy Federal has the ability to use my application as collateral and reap income according to Federal Reserve 16. This application was given as accommodation for I was denied therefore not receiving any accommodation so NAVY FEDERAL is in violation of UCC 3-419 & UCC 3-303 .
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (MD)

Unfortunately, I was a victim of Identity Theft in XXXX. I didn't find out until mid XXXX. I had a Fraud Alert attached to my Credit File when I noticed I was a victim of Identity Theft in XX/XX/XXXX. After checking my Credit Files, I noticed I had some erroneous charges and accounts that were fraudulently added to ALL of my Credit Files. I am attaching a copy of my Identity Theft Report to validate my claim. 

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - 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. Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX ) These accounts need to be removed immediately.
Consumer complaint received 2024-04-18
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had problems from the very beginning with this credit card and auto pay. Every time I set it up, I think it is set and I just happen to check the app to verify my payment details and it shows I am PAST DUE. I call and speak to a customer service representative and a couple of times they removed the late fee. However, I am certain this is affecting my credit score and report. This has happened at least 5-6 times with this credit cardNO WAY is it not be set up by me- all my other cards are! Now they are refusing to remove the late fees and increased interest rate! I have no way of know or proving that someone on their end is doing this to gain more fees and interest and they want me just to think that they would never do such a thing?! I have 4 credit cards. I put them all on auto- payment, why is there no problem with my other credit cards? Capital One is being shady and a bully to low income people with low credit limits because they can get away with it. I want the late fees removed, my interest rate restored and any negative impact removed from my credit report/score.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, TransUnion and XXXX are reporting supposed late payments on my behalf which I didn't give consent to do. In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC1681 Section 602 states I have the right to privacy, 15USC1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction, under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I traveled to XXXX in XX/XX/2018. While there, I stayed at a few resorts that I booked through XXXX and paid for all of the lodgings with my XXXX XXXX card ending in XXXX. 

On the night of XX/XX/XXXX, I stayed at XXXX XXXX XXXX, which I booked through XXXX. From XX/XX/XXXX through XX/XX/XXXX, I stayed at XXXX XXXX XXXX XXXX XXXX. I've will attach documentation related to these stays when needed. 

On my statement, I received 2 charges ( one for {$250.00} and another for {$280.00} ) from XXXX IN XXXX XXXX XXXX. This must be the business name for XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX and didn't receive a response. 

I reached out to XXXX for assistance. They were able to contact XXXX XXXX XXXX. I will attach what XXXX responded with when needed. Essentially, XXXX XXXX XXXX says these charges are not from them. 

I escalated this to Chase and provided them with everything I stated above. They escalated this to the fraud department, and the fraud department said these are valid charges. By the time I received the decision in the mail ( around XX/XX/2018 ), Chase said it was too late to continue the dispute. They said that the dispute window passed on XX/XX/2018 and they won't do anything else. I said " I'm essentially down {$250.00} now '' and they said " correct ''. 

It's clear to me that this is a double charge. Chase has dragged on this process and now it is past their " deadline ''.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in promptly and effectively resolving this matter.
Consumer complaint received 2024-04-18
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. (LA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (NC)

I moved locations ( XX/XX/XXXX ) and was in another city away from the gym. I called to close account and they said I could close it with no closing costs because my new moving mileage was outside of the gym location. About a year later on XX/XX/XXXX, was contacted by a third party that I owed debt because collection had been placed. I was never notified of ANY debt owed from company and asked the company on XX/XX/XXXX to send email or mail with details and received nothing. I got a notice on XX/XX/XXXX that they place collection on my credit report. Living roommate texted manager of facility directly on XX/XX/XXXX about the inquiry with XXXX response.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Byrider Franchising, LLC (AL)

I was never notified of the bill of sale of the vehicle, so who is to say you are charging me the correct amount. If you can not provide this information, I will reach further with my communication on getting this debt removed from my credit report. There is no actual proof that this is the correct balance owed.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information 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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.