davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (SC)

I took out a personal loan from World Finance in XXXX XXXX  a few months ago with full intent of paying it back to build credit. I'm on Supplemental Security Income and was struggling to make ends meet as my husband 's paycheck is almost completely taken by child support and I owe the IRS due to XXXX XXXX as a XXXX I'm not eligible for food stamps so I was desperate for groceries. They said they could loan me a minimum of {$600.00}. I didn't want that much but I was hungry and in a position at the moment to make payments. However, I had a death in the family and my husband and I separated. I couldn't afford to make it back home in XXXX so I returned to XXXX to camp out on property owned by my in-laws. I'm currently homeless and on an SSI check. I tried to get a job but couldn't handle it and my SSI was cut back as a result. However, World Finance kept calling me every day and sending emails threatening to sue me or repossess collateral which I no longer have. I'm living in a tent and have no valuable possessions. I'm afraid of being sued as a court order wouldn't make me capable of paying the loan and I could be arrested for contempt. I started having worsening XXXX  and XXXX as I'm diagnosed with a XXXX XXXX. I couldn't take it anymore so I tried to schedule a payment. However, I need to use my limited funds to try to secure housing and eat. I want to make this right. I really do. But I simply can't afford to pay this loan right now and the stress could put me in the hospital. I'm asking for this debt to be moved to collections for now and I'll resolve it if and when my situation improves.
Consumer complaint received 2024-01-28
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. (TX)

In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
Account # XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX {$12000.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Ive reviewed my credit report and noticed the following inaccurate items. The information reporting on my credit profile is not my account and I would like you to validate that it belongs to me per the accounts below, as they are not mine. 

XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$440.00} XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$2400.00} XXXX  XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account balance : {$720.00}
Consumer complaint received 2024-01-28
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. (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please delete all negative history or late payments from my credit report.
Consumer complaint received 2024-01-28
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. (MI)

After reviewing my credit report I must inform you that I am NOT responsible nor did I consent for the inquiries listed below as I have been a victim of identity theft. PLEASE BLOCK ALL THE INQUIRIES LISTED ON THIS POLICE REPORT BECAUSE THEY ARE NOT MINE. I'VE BEEN A VICTIM OF REAL NAME ID FRAUD AND IDENTITY THEFT. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED. 
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 2024-01-28
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)

There are a lot of inquiries on my credit report that I have not authorized and I request that each one be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
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. (CA)

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 
XXXX XXXX XXXX - Dated : XXXX XXXX XXXX - Dated : XXXX XXXX - Dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX via XXXX XXXX - Dated : XXXX XXXX XXXX XXXX via XXXX Dated XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Dated : XXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-04-01
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. (FL)

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.
Consumer complaint received 2023-11-03
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. (AL)

In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX XXXX They have violated my rights. 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 2024-01-28
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. (GA)

Per 15 USC 1681, XXXX, XXXX and Equifax refused to removed any and all addresses, and adding information to report that I did not give permission to do! 

Per the CFRA, As a Federal Protected Consumer, I am now Opting Out of ANY and ALL Authorization. I the Consumer may have been giving you written and unwritten, verbal and non verbal, per 15 USC 6802.

For all information reported on credit report, I want companies and charges off removed from report.
Consumer complaint received 2022-11-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Good afternoon, I've had issues with my loan company, everything was going good, until a day before the notary came to our house, I was misinformed and rushed into signing the final documents. I received Closing Disclosure on XX/XX/2022 reflecting my mortgage payment of {$4100.00} with cash to close of {$3700.00}, a few hours before the notary came to our our home the Loan Officer asked me to download the new and latest Closing Disclosure so we can sign immediately, I looked over the final documents and I was just shocked the way the loan officer misinformed us and forced us to sign if not we lose everything. The new documents stated new mortgage payment of {$4500.00} and cash to close increased to {$8200.00}, I asked why it went up and he said it's because of the property taxes. He then stated he will place an " artificial place holder '' in order to close, he then stated once we receive the new taxes in the mail our payment will drop down to $ XXXX. The loan company made an analysis and now our mortgage payment has increased to {$4600.00}. My husband and I have been misinformed, lied to, and pressured to sign if not I lose everything. 

I will provide every email and correspondence from the loan officer and his supervisor upon request.
Consumer complaint received 2024-01-28
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear XXXX Please, I am disputing the date of the last activity for account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX delete this item. 
It has been re-aged. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXXXXXX XXXX XXXX  - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX  - XXXX - Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX - XXXX- Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2024-01-28
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. (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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AAA Collections (SD)

I don't know where to begin with this collection company and their violations. I actually wrote out my full complaint in an email to the Office of the Attorney General of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX of XXXX  and this highlights the violations AAA collections engaged in when I spoke with them on the phone. Since they state that they record their phone conversations then they should also have evidence of their violations against the FDCPA laws and I hope you ask for those phone conversations from around XX/XX/XXXX so you can hear the violations for yourself. But as of today, I have decided to respond to Office of the Attorney General of South Dakota original email back to me and also submit a complaint to XXXX Some of the ways in which they violated laws were through false statements and misrepresenting amounts owed, etc threatening legal action "
Consumer complaint received 2023-11-28
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-28
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. (FL)

I am writing to bring to your attention the unresolved issues I have encountered with Equifax concerning inaccuracies in my credit report. On XX/XX/XXXX, I initially contacted Equifax to dispute the following incorrect information on my credit report. Despite the passage of time, I have not received a response. The details of the inaccuracies and the necessary corrections are outlined below : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} This account is not mine. Please remove it from my credit report. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported balance is inaccurate. I dispute the amount and intend to contact the creditor directly. Please mark this account as disputed until the matter is resolved. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX  This account is not mine. Please remove it from my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$75.00} Original Creditor : XXXX XXXX XXXX XXXX  This account is not mine. Please remove it from my credit report. 

XXXX XXXX ( Account XXXX ) Date Opened : XX/XX/XXXX Balance : {$490.00} This account is closed and charged-off. The reported balance is inaccurate. Please mark this account as disputed while I resolve the matter with the creditor. Additionally, verify Date Opened, Date of Status, and First Reported. 

XXXX  XXXX ( Account XXXX ) Date Opened : XX/XX/XXXX Balance : {$1000.00} This account is closed and charged-off. The reported balance is disputed. Please mark this account as disputed while I clarify this matter with the creditor. Also, verify Date Opened, Date of Status, and First Reported.
Consumer complaint received 2024-01-29
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-20
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. (NY)

Transunion is reporting 2 hard inquiries on my consumer report that I did not give consent or authorize. The hard inquires are dated : XX/XX/XXXX XX/XX/XXXX They are both from an unknown company called XXXX XXXX. I did not apply for credit on these dated nor do I know who this company is. Transunion needs to immediately remove these unauthorized fraudulent inquiries or Transunion will be in willful violation of the FCRA. 

I have also attached identity theft reports.
Consumer complaint received 2024-01-28
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. (KS)

After a careful examination of my credit report, I have identified a significant discrepancy regarding the reporting of an account. Despite having made timely payments, my report erroneously reflects two late payments. It is crucial for consumer reporting agencies to maintain the highest level of accuracy in their reporting. I assure you that there have been no late payments on this account. For your reference and further investigation, I have attached a copy of my report highlighting the concerned period, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also, the No Data reported on XX/XX/XXXX. I respectfully request a thorough investigation into this matter and ask for concrete evidence if any late payments are claimed. Should these late payments not be substantiated, I urge an immediate correction to reflect the payments as made on time. Your understanding and swift resolution of this issue would be greatly appreciated. ''
Consumer complaint received 2024-01-28
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. (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. On XXXX Credit XXXX account # XXXX Late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I applied to for a modification of my loan and got approved for a monthly payment of {$2900.00} which is more than 31 % of my income. There was no explanation as to how the mortgage company got that figure or how the payment is going to be distributed. 
I can not afford that high payment and will like any help available.