davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

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 2024-04-03
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. (IL)

I kindly request that you undertake a comprehensive review aimed at removing any instances of disseminating inaccurate information. Furthermore, I urge you to meticulously conduct a validation process encompassing all relevant data to ensure the integrity and accuracy of the information being disseminated.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (SC)

I have been having issues with BB & T/Truist Bank claiming that I owe fees since XXXX. When asked to explain what the fees are for I was told late fees. However, there was no way to accumulate late fees in the amount of what the bank claimed I owed. When I asked for a copy of my payment history to be sent to me I would get a monthly break down of payments made. There was no explanation of fees owed in writing or over the phone. The fees were ignored most times and the fees were paid on a few occasions. Once the fees were paid the bank would immediately come back and say that I owe more fees. I received a letter dated XX/XX/XXXX from loss mitigation giving me options to bring my payments current. My mortgage payments were not delinquent and the only fees that the bank claimed I owed were the fees that they could never explain how I owed them. I contacted client advocacy to investigate these charges and received a letter dated XX/XX/XXXX. This request for unexplainable fees went on from XXXX. I sent a letter requesting correction of errors to Truist Bank. After the letter I received a refund of {$1600.00} from client services. I was harassed by BB & T/Truist bank for several years. BB & T/Truist demonstrated bad business practices and mortgage fraud. My home is in a lower income XXXX neighborhood and I believe I was being targeted on the basis of my race to get me to sell my property.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orion Capital Solutions LLC (GA)

Orion Capital Solutions has been using some type of source to find extended family members of mine stating they need to confirm my location. I have reached out to them and provided my address, email and phone number. I also asked them to cease the harassing calls to those people as well as myself as they already have the information they need. I filed a fraud claim on that credit card, and XX/XX/2023, I requested documents to validate the debt and they have yet to provide that. I feel like Im being taken advantage of and being ignored. I demand that this account be deleted immediately from my report, and that the harassing phone calls stop, or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-02-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Retail Merchants Associates (TX)

I was on XXXX XXXX when i received this bill of {$730.00} from XXXX XXXX XX/XX/year> ( XXXX & XXXX ago ), my XXXX case XXXX XXXX XXXX XXXX, I've provided this information to the collection agency several times, it is now on my credit report, and according to Law 1681 medical information shouldn't be reported to the credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company along with other bureaus have different information in regards to the XXXX account. All agencies are alleging that they have the most accurate information and that what they are reporting is accurate .. here is verification that all the companies have different payment history in regards to that account. This car balance has changed prior to charging off since it was sold in auction for over {$2400.00}, they have never sent me my 1099c form so that I could file this and report this as income because this is no longer debt I have asked for this to be removed from my account due to the many different inconsistencies and inaccuracies however they have not responded. This violates my right to have fair and accurate information reporting
Consumer complaint received 2024-04-22
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)

I am writing to express my ongoing frustration with the presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the many time I have contacted you regarding this issue, and I am deeply concerned about the negative impact it is having on my financial standing. 

Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX - XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (NC)

On XX/XX/XXXX someone used my name and home phone ( land line ), a fake XXXX email address, along with the address of a hotel a couple of miles away to open a lease agreement with TEMPOE , LLC to lease a XXXX XXXX XXXX inch laptop. I believe this was purchased through XXXX. 
In XXXX of XXXX I received a letter from XXXX XXXX XXXX saying I had a debt of {XXXX}. I thought this was a scam and ignored it. In XX/XX/XXXX I started receiving phone calls and began to dispute this debt. 
On XX/XX/XXXX I called XXXX and found out that it was difficult to talk with them because they said my SS # did not match what they had and could not speak with me. 
I have been in contact with XXXX XXXX XXXX and they have since sent me a letter back saying that I am " the responsible party for the account ''. 
I have filed a police report and am trying to get this removed from my credit report as it is bringing it down. I have also contact the Consumer Protection Division of North Carolina since I have read that TEMPOE , LLC had been charged with fraud and was hoping there was another way around this issue. They responded by saying I need to contact the District Attorney 's office ( I will do this after finishing this ).
Consumer complaint received 2023-08-29
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-02-03
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: V and H Portfolio (FL)

I submitted complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report. I would like to have this resolved immediately because i need to close on my home in less 30 days.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (NY)

I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with XXXX, XXXX, and XXXX to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

There were two hard inquiries on my credit that is incorrect and my SSN was definitely used to try to get approved for credit cards. The first one was on XX/XX/24 by XXXX XXXX XXXX  and the second one was XX/XX/24 by Discover Financial Services. These two hard inquiries are definitely not from me and I have been in contact with XXXX and they are working on the disputes that should be resolved in the next week or so. I also have put a lock on my credit so they are unable to have access and I have requested for further fraud protection as well.
Consumer complaint received 2024-06-25
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. (PA)

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX # XXXX ) I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
XXXX XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I called on XX/XX/XXXX at XXXX XXXX  eastern standard time and let the representative know I was recording the phone call. I made the company aware of the violations/law they were breaking. The rep acknowledged that they were reporting late transactions and will continue to do so. Im not sure if this company has some sort of relationship with the Credit reporting agencies to report transactions but I will be seeking legal actions against this company, for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent enablement of identity fraud.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (CO)

XXXX XXXX XXXX from late XX/XX/XXXX had to be paid. 
I never got the bill as it was from XXXX XXXX and I left the country less than XXXX weeks later. 
I didn't find it in my mail until this month and I paid it - {$23.00}. 
I got a letter from Linebarger Goggla Blair and Sampson LLP stating that I had to pay on XXXX XX/XX/XXXX to the tune of {$110.00}, which is more than XXXX the amount of the actual cost of the toll. 
This is not the first time this firm has sent me a letter stating that I needed to pay for a late toll bill. But every time, they are trying to get more money out of me than the toll actually is.

Since this is a violation of the Fair Debt Collection Practices Act, I think am I am entitled for them to pay me up to {$1000.00} or more for trying to collect fees over and above what I actually owe.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

see attachments

DELETE ALL PERSON INFORMATION FROM MY CREDIT REPORT BESIDES THE FOLLOWING: XXXX XXXX XXXX

ADDRESS
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

American Express gift card being denied for purchases at XXXX. Verified that purchase was for much less than available balance. Verified with XXXX that issue is not at their end and told this frequently occurs with Amex and that the transaction was being denied by Amex.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WA)

I had a credit card debt for XXXX XXXXSynchrony Bank XXXX In XX/XX/XXXX I was contacted by XXXX XXXX XXXX and I sent them a payment and settled by debt. I received a paid in full letter. Since then, I have received 4 more additional contacts from creditors. Today, XX/XX/XXXX I was served by a sheriff for a complaint. I have contacted the offices of XXXX XXXX XXXX, XXXX to notify them that I have paid my debt and provided a letter. I gave this letter to the other 3 companies and they said that they would see that this matter is settled. 
I had only one ( 1 ) account with XXXX XXXX and I am not sure how to resolve this.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

my credit card was lost, its a XXXX  mastercard provided by cbna and was used for XXXX $ i reportedit lost on XXXX of 2023 they closed the acct and said that after investigation these were my charges as one of the places the card was used, was also used by me on previous bill as it happens to be in my area that i live, i was not given any proof or anything to how come this decision was made
Consumer complaint received 2024-01-29
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: CITIBANK, N.A. (MI)

On XX/XX/24 Citibank withdrew {$2000.00} as a payment without authorization. On XX/XX/24 after contacting them and indicating their actions were unauthorized, they returned the money to my account. On XX/XX/24 the again withdrew {$2200.00} out of my account without authorization. They currently have not returned the money.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have sent numerous requests to update my personal information correctly to XXXX and Transunion they have continuously ignored my requests. 

Please tell XXXX to delete the following addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please tell Transunion to delete the following addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (SC)

To whom it may concern Im a victim of identity theft. Ive also sent a police report I have contact the three credit reporting agency and the debt collectors stated the same fact and Ive also mail an used AI online dispute letters months ago to verify the debt and also to update personal information. Nothing was done no response.