davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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. (CA)

My credit report is showing late payments to XXXX XXXX . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.
Consumer complaint received 2019-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I was checking my credit score today and I saw a drop of 33 points due to a collecting account been opened on XX/XX/2019 by some DIVERSIFIED CONSULTNTS on behalf of 11 XXXX XXXX XXXX stating I owe them XXXX dollars as a debt.. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt from the XXXX XXXX XXXX or their collector named Diversified Consultnts. They just tried to ruin my credit score by putting a false debt on my credit report and I want them to remove it immediately.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I do not recognize this inquiries and i ask to be removed and the bureaus did not do what i ask im providing a identity theft report attach to this im requesting them to be. Remove they are inaccurate and not mine
Consumer complaint received 2023-08-04
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. (TX)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2023-08-04
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2024, I allowed XXXX XXXX to fix any mistakes on my credit report for me. They sent dispute letters to XXXX on XX/XX/XXXX and XX/XX/XXXX to remove OUTDATED accounts. I have yet to hear back about these disputes specifically with results and decisions. The bureau should have looked at all the paperwork I sent with the disputes. I gave XXXX XXXX permission on XX/XX/XXXX, and all the necessary documents were sent with the disputes on XX/XX/XXXX and XX/XX/XXXX. I want my disputes to be handled correctly and for any wrong information to be removed as stated in the disputes sent on those dates. 

Accounts : XXXX. Account Name : XXXX XXXX  Account # : XXXX XXXX. Account Name : XXXX XXXX Account # : XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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 XXXX 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 2023-05-17
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. 

Recently, I observed that there have been late payments reported on my credit card account for the billing cycles ending in XXXX to XX/XX/ XXXX After reviewing my records and statements, I believe there might be an error or misunderstanding regarding these late payments. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 

XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be a mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. 

I value my relationship with XXXX XXXX, and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.
Consumer complaint received 2023-08-04
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. (VA)

My name is 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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-03
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2015-07-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I have filed numerous complaints in an attempt to stop Nationstar Mortgage from attempting to steal my home. I have not been able to reach a representative since I submitted my modification documents. Their phone number does not work and you can never reach a representative during the hours they claim to be available to check on the status of my modification. This is an attempt by this company to steal my home as I sink further past due with no relief available because they are not returning calls. I have filed complaints with the CFPB, XXXX, Justice Department and any other entity I feel can help me stop this crooked company from stealing my home. Please help! I just received a call from someone who claims to work in their customer relation department but he did n't want to discuss my modification. He claim to have called to let me know it has been assigned to someone. I told him I know a XXXX XXXX is supposed to be handling it but I have been trying for almost a month to reach her and not once has she ever contacted me. This gentleman called from XXXX. He would n't talk to me but was only willing to transfer me to XXXX. I explained I just called her this morning and she has not returned my phone call. He said when I call XXXX or XXXX I can hit XXXX and get any rep and transferred me while I was talking. I got XXXX voice mail again and hit XXXX only to hear the automated voice tell me no one was available. How can this be legal? How can this company do this? I have NEVER in my life deal with a company with this type of business practices. I am doing anything and everything I can to get some help and they are going to steal my home from under me by ignoring each attempt I make to reach them for assistance. I do n't know what else I can do. Please investigate this company and their unscrupulous morals and business practices. Do not let them steal my home!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

This one credit card company has flagged me as 30 days past late for the last 3 months, but each month ive made my payment well before 30 days. Ive disputed this with the credit bureaus, even attached the 3 months in question statements which don't show a past due amount and show my payments being made before its due date ( the XXXX of each month. They have yet to correct/remove those lates. For XXXX I made my payment on XX/XX/XXXX, but still logged in on the original due date ( XX/XX/XXXX ), and it read NO PAYMENT DUE, so how is it I have a late for XXXX of {$120.00}. if you look at my statements there's no past due amount listed.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One Platinum MasterCard with a minimum payment of XXXX dollars. I recently have gone through financial hardship and have been late on making a few payments. Over the following months my minimum payment had increased to a maximum of {$190.00} with the addition of {$76.00} in past dude fees and {$30.00} interest fees.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC (OH)

XX/XX/2018 XXXX hrs - This person called me and was looking for my father. They would not identify what company they were from nor would they state the nature of the call. I assumed they were debt collectors. 

She then rudely hung up on me once I explained I wasn't my father. I called back to tell them that I was reporting this call and that I was recording this call. 

I have never seen or heard of any debt collector behaving in this manner. I am on the do not call registry.
Consumer complaint received 2019-04-29
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I had a passed due balance XX/XX/2018 only Bank of America credit card. Ive had multiple fraud issues with BOA, and people hacking into my email and more importantly my account with BOA. Ive had to change my account and get new debit cards and credit cards which Im turn made my automatic payments late with multiple accounts. Luckily I caught all of them in time except for the BOA account. Ive never been late, Ive worked hard on fixing my credit after my BK, and now Im right in the middle of our purchasing a home and this discrepancy is causing a major issue with financing for me. Ive tried disputing this through all 3 bureaus and BOA directly but unfortunately have had no success. Please help me get this off of my credit report. Im desperate
Consumer complaint received 2023-08-03
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. (PA)

I have been a victim of identity theft.. I was iXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have accounts on my consumer report that I have no knowledge of.. I had filled out an FTC identity theft report with the accounts attached.. I need these accounts removed of my credit file. The accounts are.. 
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
Consumer complaint received 2017-01-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Acceptance Solutions Group, INC (OH)

I had vehicle problems and needed some quick cash so I took out a loan of {$550.00} from Ohio Acceptance. It was all done over the internet and quickly. They set a {$100.00} payment to come out of my checking. So far i have paid them over {$1000.00} back and they still say i owe them $ 600+. This is completely ridiculous and they are preying on consumers with poor credit. I do n't even think it is legal to charge 700 % interest and I definitely did n't know this was the case. Every week now a few times ( six times last week ) they try to deduct my account which i have told them is empty and I keep getting overdraft after overdraft. When I contacted them about it they pretty much laughed and said there was nothing they could do. Meanwhile i am in financial ruins and ca n't even pay my bills over this nonsense.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

my loan was sold to bsi financial co last XXXX 2015 .they up my mortage payment by XXXX $ monthly.i contacted them as I have a payment history as well as an escrow history showing from XXXX. all the updates and also showing no outstanding balance on the escrow account they even paid the home owners insurance for the following year .I contact bsi and also wrote to them .they worte back there was a shortage in the escrow acct. they did not give me accurate info .the only thing they said in the letter is that they spread the shortage over 1 year which totals XXXX $ .I am on XXXX and receive help for the state to pay my taxes they received over XXXX from state of nj to appy to my escrow to lower my taxes .now I am not recieveing my mortage evey month I had to send a letter to get a statement. I have never been late.the statement I got was for 2 months showing I did not pay XXXX payment which it is due by the XXXX I was charged a late fee and they cash my mortgage check yesterday.i am not able to go on the website or speak with anyone about my account. also my mortage is an adjustiable which adjusts next month .the new payment shows the XXXX $ extra to continue for the new year of payments.i need help to resolve this issue as my hands are tied.
Consumer complaint received 2023-12-10
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. (NC)

I believe that as a consumer reporting agency the credit bureaus should respect our privacy rights because as is XXXX, XXXX and Transunion are credit bureaus and i am the consumer. i think i should have the right to make sure my private information is not being shared with any other third party or affiliates that i the consumer did not give my written consent and this is back by the law 15 USC 6801 which says " 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 customer non public personal information. and the last time i checked i am the customer to the bureaus. these are the laws that back me 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 section 604 a section 2, 12 CFR section 1016.7, 15 USC1681 ( e ) ( b ) and the Privacy Act of 1974.