davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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. (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 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 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 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 602A STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES NO CONSUMER REPORTING AGENCY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

In XX/XX/2023 there was a Chase Sapphire credit card opened in my name and a Chase banking account, Called the company and they closed both accounts. Did a credit freeze with XXXX. On XX/XX/XXXX, there was another credit card request for a Chase Unlimited caed. Called Chase and they cancel the application. Chase states the application is being done online but that's all they can tell me. I also reached out to XXXX and XXXX Credit reporting to put additional freeze on my report.
Consumer complaint received 2023-01-08
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)

For the past two years, I have been investigating my credit report and this process has caused XXXX XXXX upon me as XXXX, XXXX, and Transunion Credit reporting continue not to respond toall of my disputes, report inaccurate information on my report, and fails to verify the inaccuracies. Information between the three reporting agencies varies tremendously. TranUnion consistently have ignored all of my disputes. I have had my identity comprised several times from my previous employers and even by XXXX. My monitoring of my credit file has unverifiable, invalidated, inaccurate, and questionable items that these agencies were reporting as 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rightsprotected consumer rights to privacy and confidentially under XXXX XXXX XXXX 

XXXX XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX  XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 A, I have the right to privacy. Under 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information isinaccurate.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 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 2015-04-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I am writing The Bank XXXX XXXX XXXX XXXX to ask for confirmation if they are the true creditor. I also request evidence that the mortgage was properly securitized, which includes ALL assignments of mortgage and a copy of the promissory note. I have not received any correspondence from The Bank XXXX NationStar is an alleged servicer, however, court documents with the original recording of title " XXXX XXXX Mortgage '', was never a loan/mortgage per XXXX.
Consumer complaint received 2018-05-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.
Consumer complaint received 2023-08-15
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 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

capital one had sent me a {$200.00} bonus offer for their quicksilver card. if you spent {$500.00} within the first 3 months of the account being opened, you'd get the {$200.00} bonus. I never received the bonus and it is impossible to get ahold of them on the phone.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (TX)

I was having some financial issues in XXXX, so I went to my mortgage company, PHH Mortgage Services, and applied for a loan modification. I was granted the modification and the payments were to be added on to the end of my mortgage. I caught back up in XXXX of XXXX but they reported the months that my payments were under the modification as late. I was told that this would not happen and it is essentially why I applied for the modification to begin with. I have written to the bureaus and to the company requesting that my credit report be corrected, but the bureaus just say it was verified and PHH Mortgage Services has not responded.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC Report and the Louisiana DMV Data Breech that made global news and impacted me as a Louisiana resident. I don't have an account with the companies mentioned, these are a result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reporting on my credit profile.
Consumer complaint received 2023-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
LVNV FUNDING LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC.

Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Consumer complaint received 2023-10-12
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. (AZ)

I noticed an inquiry from XXXX XXXX Date of Inquiry XX/XX/2022. I submitted a written, certified letter to Equifax that this was not an approved inquiry. I also called XXXX XXXX and they agreed to send a letter to explaining that they did not have any authorization on file to pull a hard credit report and requested the inquiry be removed. Equifax has chosen to ignore this information and to provide any further investigation after repeated letters/calls and attempts to have this removed.
Consumer complaint received 2023-10-12
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. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift 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 isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift 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 isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-08-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-09-26
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. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-17
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

Have received 2 letters from Harris & Harris regarding debt that is not mine.

Debt is for ambulance service rendered at an address which is not mine nor have I requested ambulance service. 
My home address is in the jurisdiction of XXXX XXXX XXXX XXXX. 
My address is not serviced by the XXXX XXXX XXXX XXXX XXXX. 
My address is serviced by the XXXX XXXX XXXX XXXX XXXX, the two agencies are not the same. 
The information I received from the XXXX XXXX XXXX service is the patient for who the bill is for lives at XXXX XXXX XXXX XXXX. 
I live at XXXX XXXX XXXX How is Harris and Harris allowed to pick a name out of a hat and just send them a bill which is not theirs requesting payment.? 
Harris and Harris uses two different reference Numbers XXXX Account number XXXX I am reporting this company for fraud. 
XXXX XXXX XXXX
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (MI)

The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

XXXX  unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX Equifax Collection : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

XXXX, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX  XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames me.
Consumer complaint received 2024-04-06
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

I am writing to delete the following information, the item ( s ) that needs to be deleted are listed on the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( s ) are deleted in order to correct my credit report.