davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX, XXXX, XXXX has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C 1681 Section 602 A, Section 2, I also state a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (PA)

I had questions about this alleged debt and the contract. I allegedly signed and what the charges for on this auto loan that is affecting my credit, I questioned the amounts and asked for the company to send me a copy of the contract that I allegedly signed. I have called them three times and asked for contract to be sent. Each time they say that they have emailed it, however I never received it. The company name is Western Funding and their phone number is XXXX. 
I demand this account be validated and verified. I also want an audit trail provided with all accounting on this account. I want the original ink signed contract as well.
Consumer complaint received 2023-03-12
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: JPMORGAN CHASE & CO. (AR)

There is a fraudulent account fr CHASE FREEDOM ending in XXXX. And because I could not verify all the address information and phone numbers they would not allow me access to the get proper information, this account does NOT belong to me I have NEVER opened an account with chase as I have never heard of them either. They are not located in here. I also never gave anyone permission to use my information as it is on the dark web via an XXXX data breach because there was also XXXX accounts and XXXX opened in my name as well. More things not even in my area, I want this removed off of my reports immediately and my social security number REMOVED from their system. I check my credit report once a year usual and then I see this stuff on there I have absolutely nothing to do with. This is a fraudulent account remove or I will contact my family attorney to handle this as its illegal to knowingly have fraud information. On someones credit report and leave it there.
Consumer complaint received 2023-12-03
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 noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with TransUnion XXXX and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.
Consumer complaint received 2021-10-15
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. (PR)

I HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (PR)

I HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/ I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that this item on my credit report has turned into a Charge Off but I noticed you never sent me a 1099 would you be so kind to send me a 1099 for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it. Ive gone through a serious financial hardship and this would help me with my credit in the future. Also would request this information be deleted from my TransUnion immediately due to misinformation and inaccuracy. This has been longer than the days that are needed for the investigation 45+ days no response.
Consumer complaint received 2023-12-04
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. (VA)

To : XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE ACROSS ALL CREDIT BUREAUS!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. 
ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported. 

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Consumer complaint received 2023-12-04
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. (VA)

To : Experian XXXX XXXX XXXX XXXX Account # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE ACROSS ALL CREDIT BUREAUS!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. 
ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported.

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

I disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks.

Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this is a re investigation from An dispute XXXX XXXX XXXX ( XXXX ) Reason for investigation : Past statue of limitations for reporting. this account opened XX/XX/2016 past 7 Years. This account has been canceled and filled as a 1099-c. that I sent to your agency this is no longer debt it is income that has no permissible purpose of reporting.

Transunion has no obligation to report this canceled debt, No permissable purpose 15 U.S. Code 1681b under this law any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

this account falls under none of those requirements listed in the law above.i am not listing them because transunion under stands the laws the govern consumers, but yet still report this 7 year item that is not being collected on and is income under the irs publication.

Failure to remove this. i will file a lawsuit under civil liability willful non compliance of fcra requirements, as i have done before. my credit and worthiness is important to me and damaging it with knowledge and no legal obligation or purpose. is in fact against the law please understand what the 1099-c copy b form attached means and read instructions for debtor on the form.
Consumer complaint received 2023-12-04
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. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-04
Product: Credit reporting 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. (CA)

I am submitting to inform you that I am scheduled to update my credit reports within the next 15 days. It is my sincere hope that the items listed below will be removed by the conclusion of this period, in accordance with FCRA Section 605b, which mandates the removal of items listed on an identity theft report with reference number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/2017, I used my Chase XXXX credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.
Consumer complaint received 2023-12-04
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. (TX)

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 2023-12-04
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

In XXXX Nationstar Mortgage company bought my loan from XXXX XXXX XXXX. I did n't realize that my mortgage was being sold, my fault. Ever since they bought it I have had nothing but grief from that company. The balance in XXXX XXXX was {$68000.00}. The balance now is {$64000.00}. They sent me a letter dated XXXX/XXXX/XXXX saying that I have overpaid my Escrow by {$380.00} but because my escrow was changing they were raising my Loan payment by {$40.00} to cover the escrow this year. My taxes have lowered and no change in my insurance. I found out today that the insurance company that I have now is affilated with Nationstar called XXXX XXXX XXXX XXXX. I have made calls to Nationstar and the XXXX. XXXX XXXX. I got " call your insurance company '' from Nationstar, so I did. I got a representive from the insurance company who did alot of double-speak she admitted that My insurance had n't changed and to call Nationstar and gave me the same customer service number that I called. I applied for refinance with Nationstar in XXXX XXXX. They kept saying they would get back with me. 90 days later I was so fed up I told them I did n't want to refinance. The next thing I know I get the letter about increasing my monthly house payment. I am a XXXX citizen and am thinking about retirement. This arguing with this Mortgage company is getting upsetting for me. Can you tell me if this is a real company and if they are honest or not
Consumer complaint received 2024-07-30
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. (IL)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2023-12-04
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. (GA)

This is my XXXX 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 : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$180.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$2900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, transunion and XXXX for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX  # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :
Consumer complaint received 2024-06-27
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. (FL)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accoradance with the fair credit reporting act, the accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported paid but with a late payment was never late also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights under 15 US 1681 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A 15 USC 1681 SECTION 2 15 USC 1681C ( A ) ( 5 ) 15USC1681S-2 ( A ) ( 1 )