davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (MS)

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

I have been trying to work with Nations Direct to resolve my foreclosure issue but they refuse to cooperate and provide me the documents I need to apply for mortgage relief. I recieved a loan mod and they refused to take my payments, now I'm trying to apply for mortgage relief and they won't provide me with a mortgage statement and escrow payoff to apply even though I requested it in writing over 2 weeks ago. Now they scheduled a sale date even though I have a loan modification packet pending and mortgage relief pending. My counselor said this is dual tracking and illegal. I want them to send my counselor the documents requested and stop the sale so I can apply for mortgage relief and/or loan modification. they are so difficult to work with and I have been in and out of the hospital with medical issues. They refuse to work with my HUD counselor to save my home.
Consumer complaint received 2023-11-01
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2023-11-07
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was advised by a Transunion rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : Name Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2018, I contacted Experian via Certified mail, please see attached receipt, in order to correct 2 incorrect addresses being reported on my credit profile. Today, XX/XX/XXXX, I contacted Experian via telephone because i was declined by a creditor due to address discrepancy. I thought it be more expedient to speak with a live person to assist me regarding this matter. Well I was wrong! I spoke to a representative who told me they COULD NOT remove the INCORRECT address they're associating with my name because a creditor of mine was reporting it. Unfortunately for Experian I know this to be a blatant fallacy because I contacted ALL of my creditors PRIOR to contacting Experian and NONE of them have any such addresses in my profile. Experian attempted a " boiler plate '' response to circumvent the legal responsibility before them.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

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 2023-08-28
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (UT)

In XX/XX/2018 I was contacted by netcredit advising that I was pre approved for an installment loan. As I am a single mother of XXXX and have been batteling XXXX  I was behind on HOA fees and other bills and decided to take out the loan. They advised it was an intallment loan with monthly payment of XXXX. This is what I agreed to, I checked an account that I used and realized that they were taking out the XXXX every 2 weeks, once I realized this I sent them a complaint in writing advising to stop the ach and that I was under the impression that this was an installment loan and not a payday loan. I told them I could not afford the XXXX coming out every 2 weeks as this is not what I anticiapted. This has brought my checking account seriously negative and my bank is giving me a hard time as well. They emailed me a reponse saying it is an installment loan however the payment is every two weeks. I feel this is very deceptive, and installment loan is supposed to be a monthly payment a payday loan is a bi weekly payment. I really need help with this. I can makde montlhy payments I can not make bi weekly payments of XXXX that is too much and it is really creating a hardship for my family. Please assist me as again I feel this company is being very deceptive.
Consumer complaint received 2023-04-23
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. (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 1681e ( b ). XXXX XXXX XXXX XXXX Account number XXXX XXXX Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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, 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 2023-05-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-06
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. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My Only name My Only address is what's included on this complaint and my attached ID and proof of address. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2023-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I did not sign up for this credit card, and I have reason to believe that someone has used my personal information to fraudulently obtain this account. The address associated with credit card isnt my address. 

I was informed that there is no proof that I signed up for this credit card. Furthermore, I am unable to access the account online or through any other means, as I do not have any information regarding the account, including the login credentials. 

I am extremely concerned about the negative impact that this fraudulent account has had on my credit score. I am unable to pay off the balance on this account as I did not create it, and I do not have access to any of the information required to do so.
Consumer complaint received 2023-05-10
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. (FL)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-09-18
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. (PA)

I DONT RECOGNIZE THESE ACCOUNTS 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 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

A dispute was filed with Chase Bank for a transaction in the amount of XXXX from XXXX XXXX for failure to provide services as described It was a week stay and there is a police report with the XXXX WI police report for violation of law in which the hotel manager was confrontational aggressive and verbally threatening. She said to leave the prior to the seven day stay. That is in the police report. Visa policy states that you receive your money back when the service is not as described. The seven day was not completed so a dispute was filed with Chase Bank. Chase Bank refused to give the XXXX back stating they spoke with the merchant who lied and said services were provided. I disputed Again with Chase Bank and the Chase Bank was unprofessional rude and a sneak. She refused to accept the dispute even with the police report. I want the XXXX. Did not receive the services as described. Per XXXX.
Consumer complaint received 2018-09-14
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: EQUIFAX, INC. (OH)

A new collection listing on my Equifax today under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and Equifax has no business placingn it back on my file. I intend to file charges against Equifax for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of my credit file.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-23
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: EQUIFAX, INC. (GA)

Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, Equifax, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX.
Consumer complaint received 2024-04-12
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

So I called capital one settlement department regarding if I was involved in the settlement. They verified my information, and they stated they sent XXXX emails. I did not receive a email or was never informed by capital one my information was hacked or that I needed to submit a claim for this settlement before the deadline.
Consumer complaint received 2024-02-08
Product: Credit 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: GOLDMAN SACHS BANK USA (TX)

I purchased fuel at a local XXXX XXXX XXXX on XX/XX/2023. My charge for the fuel per XXXX and the receipt I received from XXXX was {$74.00}. Instead, of charging {$74.00}, Apple card showed a total of {$270.00} for fuel. I did not purchase any other fuel. I immediately, contacted Apple Card and told them about the overcharge. I have proof of text conversation, where I raised to the Apple Rep stating they overcharged me by {$190.00}. The rep agreed and opened a case for a dispute. Apple then sent me an email requesting proof of receipt. I submitted the proof of receipt and all evidence that clearly shows they overcharged me by {$190.00}. They then proceeded not to respond for almost 4 months only to close my case in favor of merchant. I went directly to the fuel station and spoke to the attendant, who reviewed and verified that XXXX only charged me {$74.00} and Apple is the one overcharging. I called Apple again and spoke to the rep informing the same, and they said they will reopen my case for another dispute and someone will contact me. No one contacted, and received same email again asking me to submit receipts. I did so, again and called only for Apple to tell me they are closing the case in favor of merchant. I asked again show me proof as to why it is in favor of merchant, when I have proof that merchant did not overcharge me APPLE did. They could not furnish any evidence to show favor of merchant and would not allow me to speak to the Dispute Manager. I have made multiple attempts to call APPLE and they keep reopening the Dispute and not responding. They are not providing any reason as to why it is was in Merchant 's favor. Even though I have proof of receipt that shows they are overcharging they are not reinstating me the amount that they asked me to OVERPAY!
Consumer complaint received 2024-01-06
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. (LA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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