davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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. (MD)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to inform the XXXX, XXXX and TransUnion Credit Bureaus that I have been a victim of identity theft. After conducting some research, I discovered the necessary steps to address this issue. To remove the fraudulent inquiries from my credit report, I need to file an identity theft report with the Federal Trade Commission ( FTC ). You can find more information on this process at their website : https : //www.ftc.gov. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are obligated to remove and block any inquiries listed on an identity theft report. I have attached the relevant documents to aid in the removal of this erroneous information that has been posted on my report. Below is a list of inquiries that are not associated with me and were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Also, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, 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. (CA)

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to inform the Experian, XXXX and XXXX Credit Bureaus that I have been a victim of identity theft. After conducting some research, I discovered the necessary steps to address this issue. To remove the fraudulent inquiries from my credit report, I need to file an identity theft report with the Federal Trade Commission ( FTC ). You can find more information on this process at their website : https : //www.ftc.gov. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are obligated to remove and block any inquiries listed on an identity theft report. I have attached the relevant documents to aid in the removal of this erroneous information that has been posted on my report. Below is a list of inquiries that are not associated with me and were opened without my permission : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Also, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-08-27
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-27
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-20
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)

15 U.S.C 1681 Section 602 A state I have a right to privacy.

15 U.S.C 1681 SECTION C MO CONSUMER REPORTING agency may make any of the following items of information and other adverse item information other then records of convictions of crimes.
Consumer complaint received 2023-08-20
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)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6100.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6000.00}
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc. (OH)

I applied for a townhome community XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX and was denied for the following ; credit and eviction filing, judgement. XXXX XXXX, also stated that I was denied also for a bankruptcy from XXXX that was XXXX that same year, also the email that I received from the property is contradicting to what the tenant screening states from Resident Verify. I am not sure if Resident Verify and XXXX are the same company. The information was not made clear at the time of the applicaiton and I feel that information was provided illegally.I received a denial letter from their third party Resident Verify on XX/XX/XXXX I was denied based on the information provided by the third party screening. So much is contradicting XXXX balance is showing and It should be removed from that report. The company had no permission to obtain, my permission to house inaccurate information. My rights have been violated under these FCRA laws ; 15 USC 1681 section 602 15 USC 1681 section 604 15 USC 1681s-2 This information is negatively impacting shelter for myself and children and has been placed on my record fraudulently.
Consumer complaint received 2023-08-20
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. (GA)

I obtained a copy of my credit report on XX/XX/2023 after I requested an investigation into a serious matter with the items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . These items where never verified nor have I ever entered into any contracts with these corporations. According to 15 USC 1681 ( a ) ( 4 ) My right to privacy has been violated and now I am seeking further action against these corporations. Equifax has taken action by removing XXXX XXXX XXXX XXXX which indicates that there is no legit reason for the account to still be reported with the other agencies. However the other account XXXX XXXX XXXX needs to be removed as well.
Consumer complaint received 2023-08-20
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)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AZ)

I applied and was approved for Public Student Loan Forgiveness by FedLoan Servicing and I was notified on a letter dated XX/XX/2022. Amounts forgiven {$27000.00} and {$50000.00}, My credit report shows that I owe XXXX. the XXXX is on loan program DLSCNS and the XXXX is on loan program DLUCNS. the letter states " you have satisfied your obligation and no additional payments are required on these loans.
Consumer complaint received 2023-08-20
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: U.S. BANCORP (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2016-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar Mortgage continuously applies my payments toward the principal of the loan against my payment instructions. I try to stay one month ahead of my mortgage and each month I make a payment towards the upcoming month. I called Nationstar on XXXX/XXXX/16 to advise them the company keep misapplying my payments. I was assured that the payments would be corrected in 5 days. Roughly 20 days later, the payments were not corrected. I called again on XXXX/XXXX/16 and was assured my payment would be updated correctly. In addition, Nationstar billed me a higher monthly payment. When I made that payment, I was told I needed to pay {$73.00} more if I wanted to have my account reflected to the correct payment date.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXXXXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XXXX  {$15000.00} XX/XX/XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OK)

I have submitted the required information TWICE to place a credit freeze on my bureau via mail, as Equifax requires, although the other bureaus provide this service online without requiring the consumer to go to the expense of copies and postage and travel and expenses to get copies of proof of social security number and address. My original complaint, XXXX, was regarding having to incur costs to obtain what is supposed to be provided without costs. I have now received a letter requiring me to provide, for a 3rd time, the aforementioned information. It is clear that they have no intention of providing the requested credit freeze as required by federal law. 
As my social security number was hacked and they refuse to place the requested freeze is there legal remedy?
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (FL)

TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, IM HAVING A PROBLEM WITH FORD MOTOR CREDIT, BACK IN 2018 THE LOAN I HAD WITH THEM WAS PAYED OFF WITH XXXX XXXX XXXX XXXX, FORD SAID I OWE THEM XXXX AND THEY PUT THAT ON MY CREDIT REPORTS, XXXX, XXXX, AND XXXX. I CALLED THE XXXX XXXX AND THEY SAID IT WAS PAYED OFF TOO THE COMPLETLY. IM VERY UPSET ABOUT THIS, THIS HAS REALLY MESSED UP MY CREDIT. I WOULD LIKE THE TO BE REMOVED FROM MY CREDIT FILES RIGHT AWAY.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This also violates my consumer rights under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court proceedings such that of Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

On XX/XX/2023. A purchase of XXXX was made to a company by the name is XXXX XXXX XXXX XXXX using my chime debit card. After waiting for weeks and the merchandise wasnt received, I reached out to the merchant in regards to a cancellation, but received no response. I started a dispute process with Chime due to not receiving the merchandise, and Chime continues to deny my claim, saying that the order is authorized, even though I sent them supporting documentation to show that the items purchased were never received, and the merchant has not responded or provided a refund. I have filed a claim with Chime 6 times, and each time that I have requested supporting documentation to show why my claims were denied, I wasnt provided anything.
Consumer complaint received 2015-08-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am trying to short sell my home, my servicer is Select Portfolio Services ( SPS ) the servicer sent an FHA appraiser to my home and the result was the retail value of my home is {$150000.00} I have a contract for sale for {$150000.00}, that 's {$5000.00} more then the retail value of my home, In short selling my home i was hoping to receive the {$1000000.00} relocation money to move. however the servicer told my Realtor that I would get any relocation money because i have Mortgage Insurance on the loan. They denied the short sale and gave no reason they just stated " that this option is not available at this time ''