davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Accounts to be deleted : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2024-06-27
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. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-11
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (MO)

Me and my wife started the Debt Settlement program with the Law Firm of XXXX XXXX and our funds were being deposited into an account through Global Holdings in XXXX of XXXX. Since that time they only managed to settle one debt and have been paying them {$15.00} a month since XXXX of XXXX. No other debts have been settled. On XX/XX/XXXX of XXXX I received a notice that they had settled another debt with XXXX XXXX  and that they needed my signature to proceed with that process. I reached out to discuss that with them and was un  able to get ahold of anyone and so I signed on the XXXX of XXXX authorizing the settlement. I was never contacted on the matter again and am currently being sued by XXXX XXXX. The other 3 debts I have are also still unsettled and I have been Informed that XXXX XXXX can not settle anymore debts because they themselves are part of a big lawsuit. 

Despite this they are still taking {$290.00} a month from me and depositing into the Global  holdings account. I checked my statements from Global Holdings and was shocked to see the exorbitant fees they have been charging me each month. I checked my initial contract and these amounts were never disclosed to me. For example in XX/XX/XXXX our first draft was {$270.00}. Looking at my statement for that month they charged me for : {$10.00} monthly service charge {$100.00} retainer fee {$49.00} Admin fee {$97.00} Service fee Out of {$270.00} a month only {$12.00} remained to pay my creditors from that {$270.00} charge. That happened every month.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I have received an email from the U.S. Department of Education on XX/XX/XXXX stating that my student loans that I had acquired when I was attending XXXX XXXX were being fully discharged. It said that I do not have to make any more payments on the loans. 
I received a phone call about 2 months ago from someone at Mohela about my loans and how they were taking over my loans. I told them then that I had gotten an email stating my student loans had been discharged. All except my private loans with XXXX, who is a criminal organization as well. Today I get a bill in the mail from Mohela that states that I owe around {$15000.00}. I will not pay them. I have the email from the U.S. Department of Education.
Consumer complaint received 2024-05-03
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. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that Transunion will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX. Account Number XXXX
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MI)

My wife and I submitted a mortgage modification request to Nationstar Mortgage in XX/XX/XXXX, due to decrease in income for Husband 's job. Nationstar did not provide a response to our modification request until XX/XX/XXXX, 1 year later! 
A " sham '' modification was offered wherein a {$8000.00} up front payment was required along with a reduced monthly payment for ONLY 2 years. 
My wife and I appealed the " sham '' modification offer to Nationstar 's Appeals Division. Nationstar did not respond until XX/XX/XXXX, rejecting our Appeal. We, then, accepted the Modification Offer and Nationstar rejected the offer and said a {$14000.00} up front payment was required, with only a two-year " sham '' modification. 
They then sent correspondence in XX/XX/XXXX, wherein they said they were " reconsidering '' the modification offer.
Consumer complaint received 2024-05-03
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. (MA)

I have contacted the creditor and they have failed to provide me with any validation and verification. Please see info below sent to consumer reporting agency since the creditor did not respond within 30 days Im exercising my right under the Fair Credit Reporting Act, Section 609, to request validation, as this is causing damages to my credit report. I am requesting you remove collections from my credit report immediately as it violates the FCRA and FDCPA laws. I have sent validation of debt information to creditor and received no response within the 30 days allotted. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my original wet signature. I am also requesting for you to provide me with all information and documents pertaining to civil claim and/or judgment in accordance with the 15USC 1692h 809b as I have reached out to the debt collector If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If this debt can not be validated it needs to be removed from my credit report immediately or I will be in contact with the Office of Consumer Affairs and Business Regulations and file and FTC report for permissible purpose as you do not have permission to have this account in my consumer credit report. 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. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate.
Consumer complaint received 2024-05-03
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. (MA)

According to USC 15 1681b you must accurately report on my credit report at all times. 

This fraudulent account was allegedly charged off on the following date. Since then, this fraudulent account has repeatedly been updated as charge off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This is not only fraudulent but also inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : XXXX XXXX : Account number : XXXX EQUIFAX : XXXX XXXX  : Account number : XXXX XXXX : XXXX XXXX  : Account number : XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

As part of a litigation settlement XXXX XXXX XXXX my XXXX debt was XXXX. In addition all credit reporting translates were supposed to be deleted from my credit report. I send the proper paperwork to Equifax and XXXX and they refuse to delete it from my credit report. Equifax follows there same routine when investigating and do not take any paperwork provided into consideration. They are reaching out to XXXX only to verify the late payments that indeed took place. They are not investigating the actual settlement and action that was supposed to be taken to delete the entire loan history from the credit report.
Consumer complaint received 2023-07-13
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: BARCLAYS BANK DELAWARE (TX)

My mother used my social security number to open this account Barclays refused to help and say I need her social security number to be taken off the account which is insane I dont know someone elses social security number They wont help me and the account is still on my XXXX report
Consumer complaint received 2024-05-03
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-05-03
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. (LA)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I admittedly accrued a large amount of credit card debt while I was in XXXXXXXX XXXX I took out a loan with this creditor to consolidate this credit card debt in XX/XX/XXXX. With the financial strain of XXXX followed by some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was struggling to get on top of things and partnered with a debt settlement law firm in XXXX, XXXX XXXX XXXX XXXX XXXX. I enrolled three debt accounts at that time. Two of the accounts were resolved within a year. XXXX XXXX ( XXXX ) refused to negotiate with the firm before serving me with a legal notice at my home earlier this year. There was a settlement payment schedule approved XX/XX/XXXX- XX/XX/XXXX. I have made every payment on time through an escrow account since XXXX of XXXX ( $ XXXX ). I disputed through XXXX some addresses and phone numbers I did not recognize. XXXX took the opportunity to update my account at that time to " XXXX '' collections. My credit score took a huge dive at that time. My credit report indicates this account was " XXXX '' charge off from XX/XX/XXXX to XX/XX/XXXX. To arbitrarily update my account to " XXXX  '' as of XX/XX/XXXX seems retaliatory and has greatly impacted my creditworthiness.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MN)

Chase Bank Terminated my Checking Account and CHASE says i can 100 % never Bank with Chase again violates Americans With Disabilities Act 15 Years like no Problems with CHASE then Chase Support transfers me to Fraud Department fore 100 % no reason because everything 's working 100 % Good then Fraud could not verify me and lock me out of my Account 10 times fore 100 % no reason and spend 70 Hours on the Phone with Chase Support give XXXX Help //////////////////////////////////////////// XXXX XXXX banks and my other banks are all deny my ACH Transfers /////// Chase bank maliciously Lock me out my Accounts 10 times fore 100 % no reason CHASE wreck my Banking fore the next 10 years endless Problems then CHASE Terminate the Accounts /////// XXXX Credit Score there 100 % no reason a bank should suspect me of Fraud
Consumer complaint received 2024-05-03
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. (SC)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 2024-05-03
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. (OH)

After XXXX XXXX closed my XXXX perfect payment, credit account even after cashing my on time payments and marking my account as charged off, which caused XXXX XXXX initial XXXX point decrease, XXXX XXXX had my XXXX perfect payment history erased from my credit in XX/XX/2023 to cover up their negligence and fraud which resulted in an over XXXX decrease causing severe financial harm and losses.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

My student loans have been forgiven by the Federal Government. XXXX and XXXX show that I have no open loans and that they are paid off. XXXX shows that I still owe {$92000.00} to AidAdvantage. My loan was transferred from AidAdvantage to XXXX in late XXXX. It was then forgiven at XXXX in XX/XX/XXXX. XXXX shows the balance at XXXX to be {$0.00}. In early XX/XX/XXXX, I provided XXXX with my letter from the Federal Government stating that the loan has been forgiven, a screen shot from the XXXX showing a XXXX balance. They denied my request to remove the balance from my credit report. Then on XX/XX/XXXX, I provided them with the letter from AidAdvantage stating that my loan was transferred to XXXX. I also provided them with a letter dated XX/XX/XXXX stating that the loan balance at AidAdvantage was {$0.00}. Again they denied my request to update the credit report. They state that I still owe a balance.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was in the process of checking my credit report and noticed XXXX accounts under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize these accounts to be opened and did not even know it existed now it is impacting my credit beacuse someone fraudulently opened these accounts under my name without me knowing. The accounts in question are : XXXX XXXX XX/XX/XXXX, XXXX ACCT  # XXXX {$2700.00} XXXX XXXX XX/XX/year> ACCT # XXXX {$1800.00} XXXXXXXX XXXX XXXXXX/XX/year> ACCT # XXXX {$260.00} I have filed an FTC report for all three accounts that were fraudulently opened under my name and have attached it to this report as well