davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX Experian received a dispute letter along with a response letter from the court stating that they did not provide this information to Experian or any other company and that they do not release personal information about Individuals. I mailed these documents to Experian asking them to reinvestigate this account on my consumer report that I reported as inaccurate and erroneous. On XX/XX/XXXX Experian stated that the reinvestigation was completed. They stated the account was certified with a third party company and that the information reporting was accurate. So I mailed Experian another letter that they received XX/XX/XXXX asking them to please provide me with the method of verification. The XX/XX/XXXX results stated that a company certified to them that the report was accurate. I want to know what company reported to Experian that this information was accurate. If Experian can not provide me with this Information for me to trust that they have done a proper investigation then I demand this account to be deleted immediately due to Experian not providing me with the proper data furnisher information to contact them. I want to also make clear that I did not give Experian any permissible purpose to use my personal Information to match up, or purchase any data from another third party to report on my consumer report because I have the right to privacy as a consumer. I also have the right to know the data furnisher who reported this information and I have the right to a fully accurate consumer report as a consumer. I would also like to report that Experian ignored my request for a Method of Verification that they received on XX/XX/XXXX and instead preformed another reinvestigation instead and again stated it was verified on XXXXPlease follow the law as is was written.
Consumer complaint received 2022-04-24
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. (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, 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 2022-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I was awarded mortgage assistance through my state due to the pandemic in XX/XX/2021. My award was transferred to my county for disbursement. On XX/XX/2021, I was contacted by Mr. XXXX XXXX who works for the Department of Human Services, XXXX County advising that he has been unable to get in touch with my mortgage servicer, Rushmore Loan Management, in reference to them signing a state required purchase order for the funds to be electronically sent to them. Mr. XXXX sent me a form, informing Rushmore that I authorized my state to perform this action on my behalf. On XX/XX/2021, XXXX XXXX advised that he still had not heard from Rushmore in reference to the payment. On XX/XX/2021, I spoke with a customer service manager who assured me the information was received, gave that person both Mr. XXXX 's fax number and my email address to forward the paperwork once complete. On XX/XX/2021 I spoke to another customer service representative who assured me that the form would be going out that day. On XX/XX/2021, Mr. XXXX reached out to me advising that the paperwork had still not been received on his end. On XX/XX/2021, Mr. XXXX and I both spoke to a representative named XXXX ' who informed us that both the paperwork and account were under review for possible denial? Again she took Mr. XXXX 's fax number and assured us someone would follow up. On XX/XX/2021, I spoke to another customer service representative who said there was no update and also no notes from our previous conversation with XXXX '. On XX/XX/2021, I called and was once again told there was no update. On XX/XX/2021 Mr. XXXX resent the paperwork via fax and email to XXXX. On XX/XX/2021 I called and spoke to 'XXXX XXXX who assured me someone would call me back by the end of the day. The callback I received was automated and no update was given. On XX/XX/2021, I called and spoke to XXXX XXXX who stated that my account was under review and I should have an answer by XX/XX/2021 BUT also advised that I call back on XX/XX/2021 for an update. The representative ended the call abruptly. On XX/XX/2021 I called and spoke to XXXX ' again who informed me that the incorrect department received my paperwork on XX/XX/2021 but assured me that the paperwork was in the correct department now. The case had been closed by the incorrect department on XX/XX/2021 and that processing would take another 3-5 business days. She informed me of my total amount due ( which by this point is almost double the amount of the award ) repeatedly but also denied that I was eligible for any additional assistance. She promised to call back on XXXX XXXX. This time I waited to see if I would receive a callback. No one reached out. I am afraid that Rushmore is deliberately holding off on this paperwork to foreclose on my home. I am a single parent and can not be homeless. I am not sure where to go from here.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

On XXXX I received an alert from Experian Credit services indicating someone used my information to open a fraudulent account with the XXXX XXXX  XXXX of XXXX XXXX Texas on XXXX. Upon further investigation this fraud was confirmed and the account was closed. 
I am currently working with XXXX  XXXX XXXX and Experian to have this account removed from my record.
Consumer complaint received 2022-06-28
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. (FL)

Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2022-06-27
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. (FL)

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (MI)

XXXX XXXX BANK {$720.00} this account was opened fradulently by someone I do not know and I have contacted the agency for years to assist me with recovery my personal credit profile to get standings and they have yet to do so, therefore I am filing charges against them for neglance.
Consumer complaint received 2022-06-28
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. (WI)

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX reporting late and other bureaus reported on time. 
XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Date : XX/XX/XXXX Not my account, unable to provide me with a copy of verifiable proof. 
Both of these accounts past 30 days with no response.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-06-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

I opened my account with Binance US and transferred {$4500.00} there. The same day my Binance account was locked. I saw money left my XXXX bank but I dont have ability to access my Binance US account any longer. I submitted the request to unlock it. I was told I need to provide information like my driving license, and indeed some questions. I did that on XX/XX/22. I receive the response that these got my information and they will get back to me in XXXX business days. Today is XX/XX/22 and I still dont have access to my funds. They dont have a phone number to talk to someone in person, I emailed them numerous times after that and all I receive it -we are looking into that. I feel like my rights as customer are violated. I dont have access to my funds and it beyond all limits and timeframes for Regulation CC-Funds availability act. Im out of {$4500.00} and I dont know what to do. No one is helping me and its the first time its happened to me. Please help me to retrieve my funds.
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My identity was compromised by a Romance Scammer in XX/XX/2021. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XX/XX/2021. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with Capital One is now {$14000.00}. 
The balance with XXXX is now {$17000.00}. The balance with XXXX XXXX is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/2021 - XX/XX/2021. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.
Consumer complaint received 2024-11-20
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. (FL)

I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This law requires that fraudulent information resulting from identity theft must be blocked and removed from credit reports upon proper notification. 
The accounts in question are as follows : Accounts : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$2000.00} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX - Opened XX/XX/XXXX - Amount {$360.00} XXXX. XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$430.00} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$590.00} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$660.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$660.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$590.00} XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$550.00} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$550.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-06-27
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. (NJ)

n 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 a account without my written instructions -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXXXXXX -US DEPT OF EDUCATION XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-06-28
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. (CA)

Experian Information Solutions , Inc., Over the past several months, I have submitted disputes on Experian Information Solutions , Inc. 's website. Experian Information Solutions , Inc. refuses to re-visit investigations stating they have already conducted their investigation ; however, those investigations were inadequate. 

There are currently sixteen ( XXXX ) accounts on my Experian Information Solutions , Inc. Credit Profile that is older than XXXX ( XXXX ) years old. 

I would sincerely appreciate your agency 's help.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

INCORRECT NAME AND PLACE OF WORK REPORTED XXXX XXXX is my correct and legal name. Equifax reports it as XXXX XXXX It also reports my past place of employment as XXXX XXXX when the correct place is XXXX XXXX These needs to be corrected asap
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (TN)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXH XXXX ) XXXX Balance : {$140.00}, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-24
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. (NC)

In accordance with the Fair Credit Reporting act XXXX the following accounts have 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. 

- Account # XXXX Account Name-XXXX  XXXX XXXX -Account # XXXX Account Name- XXXX XXXX XXXX -Account XXXX XXXX Account Name- XXXX XXXX XXXX -Account # XXXX Account Name- XXXX XXXX
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent