davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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. (NY)

XXXX XXXX XXXX XXXX. 
Subject : Credit Report Inaccuracies Date : XX/XX/2022 TO : XXXX From : XXXX XXXX XXXX Comments : I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed. 
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. 


XXXX XXXX XXXX Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681C-2 ), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX Enclosures : List of Fraudulent Accounts on my Report FCRA Sections 605,609,6011 Proof of Identity and Address XXXX XXXX XXXX To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : INQUIRES : Prepared For XXXX XXXX XXXX Date generated : XX/XX/2022 XXXX
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX This company 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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide any written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.=Except as provided in paragraph ( XXXX ), 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 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, because this agency is in violation of 15 USC 1681. 


Best regards, XXXX XXXX
Consumer complaint received 2022-12-09
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. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

LVNV Funding LLC XXXX resurgent capital services XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX is a collection I recently discovered in my consumer report. I do not know this company. Lvnv funding llc, did not provide me with any validation of claimed debt, or permission to place it on my credit report. Never been contacted by lvnv funding llc in regards my outstanding balance of {$840.00}. I have never done business with this company nor does this company have my permission to keep violating my rights by providing incorrect information on my report
Consumer complaint received 2024-06-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Movement Mortgage LLC (AR)

On XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit to start the process of buying a home, during this time we we under the lender XXXX XXXX who at the time said she was working for XXXX XXXX, 14 days later she convinced us the company was closing and we would have to move to XXXX XXXX but they will have all documentation and no need to a re-run of credit on XX/XX/XXXX XXXX XXXX XXXX ran my credit, I told the company I know longer wanted to work with XXXX XXXX XXXX my credit had took another hit, so I was moved to work with XXXX XXXX XXXX Things were smooth in the beginning, so we began to look for houses again, after not being able to find the perfect house and trying again XX/XX/XXXX we started the process again. XXXX XXXX was the lender on the job, I submitted all information and informed him from day XXXX that I will only be able to use XXXX XXXX if we were able to use a program my job offers called ( Work here live here ) that takes XXXX XXXX off a new build home. He begin by saying he havent done XXXX but he will look more into it. After constantly asking he ensure that movement in fact did the program and we can complete the process, after the company choose the appraisal it didnt come back until the day of closing. They ensured me it wasnt much they could do about it they have been asking for the report for over XXXX week. I paid for the appraisal a month prior. Once the appraisal was in he told me that we will be able to close on a day of XXXX after the original closing date because we would then be clear to close. Those next XXXX day we did not receive an update which lead into the weekend. The following XXXX I requested an update and he informed me that the title company, seller closing, and our closing had to get all information together is why it was taking some time. On XXXX XX/XX/XXXX XXXX called and told me to close I would need to bring XXXX to closing because I didnt qualify for the program. Being that I work for the certain location I asked how did I not qualify and thats the only requirement. He then begin to tell the truth on how movement was not grandfather in and XXXX XXXX was over the program and she has left in the process of us getting our loan. I asked them how do we fix this since this was a huge mistake on the mortgage company end, I had already purchased furniture, wood for a privacy fences and plenty other things because XXXX ensured that it was ok since it was coming from a checking account and not a credit card. The answer on how to fix it was he needed to talk to support, I never received a call or even an email back to help out, Since I wanted the home of my dream I had to find a new lender that did the program and were able to get me closed. XXXX XXXX and XXXX XXXX, has been very negligent, not honest, and cost me to be out of an enormous amount of money, I really do hope that they are held accountable for there actions. My credit score went down around XXXX within this process and they does not seem to care one bit.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

Discover closed my account without notice. When I finally spoke to someone, I was told to send in verification from my bank and the consent form for the IRS. I sent the information to Discover four times. Discover kept saying they didn't receive my information. I provided everything that was needed. I spoke to several people. I have proof of submission every time I submitted these documents. This is not acceptable, and I would like something to be done about this situation. I've been paying my bill ; I'm not understanding why my credit card had been closed without notice.
Consumer complaint received 2021-01-05
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: Sequium Asset Solutions, LLC (CA)

I sent in a dispute to XXXX  regarding Sequium. The info doesn't match real time issues that took place. Instead of fixing it they keep updating the date which means it stays on my report many more years longer than it should. My goal was to force Sequium to update the information on XXXX XXXX and XXXX. Either XXXX  failed to send the request to the creditor or the creditor ignored it. That seems to be common place with both companies. Sequium is not the most ethical company and neither is XXXX. So my complaint is regarding both 's failure to correct an issue that was simple to fix. It needs to be identical on both reports period! This updating the date constantly is not fixing nor resolving the problems. Therefore I'm not letting it go! I will go to civil court on both if this is not corrected! See the highlighted info on the bank statement, highlights on page 2 of the original letter sent to XXXX  and XXXX 's lame response attached that's still not corrected. Even the date the credit was received is inaccurate on XXXX  's response! It just gets worse! All info is on Sequium 's correspondence to me.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/XXXX, I attempted to use a Navy Federal Credit Union ATM in XXXX XXXX, Kentucky with my XXXX debit card. I put in the Navy Federal ATM {$1600.00} all in {$50.00} increments, so a total of XXXX {$50.00} bills. The ATM cancelled the transaction and read that it was unable to complete the transaction and that it was returning my money. The ATM then read that it was unable to return the funds and to contact my financial institution. I immediately went into Navy Federal to raise the issue. They stated that I needed to submit a dispute with XXXX ( my bank ) in order to get the money back. I have tried to do several disputes with XXXX but because the transaction was cancelled, they are unable to see the transaction and therefore can not the transaction. I have went to Navy Federal several times in attempts to get my money back, but each time I go, they tell me that XXXX has to dispute the transaction. Both financial institutions are telling me that I must go to the other to get the money back. Navy Federal verified that there was an overage at the ATM I attempted to use on XX/XX/XXXX. After multiple phone calls with a higher up manger in the Navy Federal Customer Department, she stated that their hands are tied and they can not release my money until XXXX sends something on my behalf.
Consumer complaint received 2024-05-19
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: DISCOVER BANK (FL)

Discover Card is reporting a Discover Cad Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although Discover card has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently homeless and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed one on behalf of Discover as is beyond 36 month requirement to file and provide the debtor with a copy. I demand that this account is removed from XXXX, XXXX and XXXX as it is inaccurate. 

See, e.g., In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX. XXXX XXXX ) ; XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Ct. App. XXXX ). In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness XXXX cancelled. XXXX v. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX XXXX, XXXX ). In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXX, XXXX B.R. at XXXX ; In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ). 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (MI)

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 for {$26000.00}. XXXX XXXX XXXX XXXX for {$26000.00} 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 Chapters
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2023 at the XXXX, California branch, Chase Bank dispersed the funds and closed the bank account of my XXXX sister without my, my parents, or sister 's knowledge. Myself and sister were named as heirs in her will and these funds would legally have to be probated. We believe, they were dispersed to a non-citizen who may, or may not have submitted a false affidavit. Chase Bank would not provide the information and sworn affidavit which was used to secure these funds, after promising to do so.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records. ''
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I an requesting this procedure in case of disputed accuracy.

15 U.S.C. 1681 Section 602 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Can you please reinvestigate the accuracy and completeness list of accounts below : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (UT)

This is a complaint made by me XXXX XXXX along with this is a nortorized affidavit in the uploaded documents showing that it is me that made the complaint not a third party company. I am a victim of identity theft. I sent to the credit reporting agencies the ftc reports and the letter and the affidavit to have them remove the accounts that are identity theft.
Consumer complaint received 2018-12-05
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: LEXISNEXIS (AL)

I have supress and frozen my report with this company 2 times and had old information remove which is still showing up in there data base after they have sent me a file that clearly states that they went in my favor and delete all inaccurate information I have ask Lexisnexis to send me proof of verification which never have been giving to me they just send incorrect information through a machine that is not correct at all they never had a conversation with a human to verify this wrong information on me please help me get this put behind me with XXXX  and XXXX inside is information they have told me to sent to get this bankruptcy remove thats not mines
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there
Consumer complaint received 2024-05-28
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. (FL)

Transunion, XXXX, & XXXX are purposely trying to lowering my credit rating by having the same alleged debt listed twice on my consumer report furthermore I have no obligation under federal law to pay a debt collector until a judgment is issued by a court. This collection has not been filed in any court jurisdiction and the only reason the consumer agencies are reporting this information is because they are paid then they make profits from selling this information to various other third parties. This is illegal because their service is one that is not required and they need written or expressed consent which I have not given. This is a legal notice to remove this collection or I will sue under FCRA and file arbitration based on the service agreement.
Consumer complaint received 2024-05-28
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. (FL)

XXXX, XXXX, & Equifax continue to report a child support collection without providing me with the documentation or the persons name who they spoke with that verified this information. I contacted the child support office and they stated that did not report this account with either consumer agency and it is widely known that each consumer agency sells consumers data for profits to solicit business from other companies this is illegal because they do not have my consent and by reporting this information it is causing me to be denied credit which is a violation of my consumer rights.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (NC)

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 2023-04-12
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: Kashable LLC (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.