davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX
Consumer complaint received 2024-04-24
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. (NY)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Self Financial Inc. (TX)

I am writing to bring your attention to a concerning matter regarding your recent collection attempts on a closed account, which I believe are in violation of the applicable consumer protection laws. As a responsible consumer, I believe it is important to address this issue promptly and ensure that all parties involved are aware of their legal obligations. 

I would like to draw your attention to the following laws that I believe you may be violating in your collection attempts : Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA is a federal law designed to protect consumers from unfair, deceptive, and abusive debt collection practices. Under this law, debt collectors are required to provide accurate and truthful information regarding the debt, cease communication upon request, and refrain from engaging in any unfair or harassing practices. Your attempts to collect on a closed account without providing accurate and verifiable information may be considered a violation of the FDCPA. 

Fair Credit Reporting Act ( FCRA ) : The FCRA governs the collection, dissemination, and use of consumer credit information. According to this act, accurate and up-to-date information must be reported by creditors. If the closed account in question is being inaccurately reported as an outstanding debt, it may constitute a violation of the FCRA.

State Consumer Protection Laws : In addition to federal laws, various state-specific consumer protection laws may also apply. These laws provide additional safeguards for consumers and set forth guidelines for fair debt collection practices. I believe your collection attempts on a closed account may be in violation of these state laws as well.

I kindly request that you review your records and provide me with comprehensive and accurate information about the debt you are attempting to collect. This includes the original creditor, the amount owed, the date of the last payment, and any other relevant details. Furthermore, I expect you to cease all collection activities on this closed account until you have provided me with the requested information and resolved any discrepancies or inaccuracies. 

If I do not receive a satisfactory response from you within 10 days, I may be compelled to take further action to protect my rights as a consumer. This may include filing complaints with the appropriate regulatory agencies, consulting with a consumer rights attorney, or seeking legal remedies available to me under the law.

I trust that you will treat this matter with the seriousness it deserves and take immediate steps to rectify the situation
Consumer complaint received 2022-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VT)

This is to inform you we have just got confirmation about two weeks ago from XXXX bank that there were some incorrect billing errors on the account that then transferred to you. While we are still exploring how to work this out best, I do now understand why there was a delay in continue the forbearance with you, and you reporting that appropriately. I will add, my only grievance, at this time with the information we have, is that it is disappointing to see you failed to report I qualified for mortgage assistance relief in XXXX, did not communicate with the payment portal, which caused for a delay once you transferred it again ... and you failed to report that I was approved for the payment to the new servicer. They can see in the notes they have from you the application was pending, but you also did not report to them the loan was in forbearance... again, just causing delays from non relayed information, that seems to be from carelessness rather than direct intent. If you have suggestions on how you would like to see the incorrect mortgage amount transferred to you, please let me know, otherwise I will be in touch once I get more information from HUD and a lawyer on how to proceed. Thank you.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, XXXX OF XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (PA)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-04-27
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. (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 1681. 

Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX Dep of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 2023-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

I had my Wise accpunt closwd for not or undisclosed reasons, and I had in the excess of XXXX dollars balnace with them. After 60 days of requesting my funds deposites back into my XXXX accpu t, where tbey withdraw the money from to fund the balance, I have not received said refund. 
They already responded to an appeal to have my money back and said that the funds were already returned to my XXXX account, but they have not. 
There leave you no way to contact their support team to resolve the issue, not any other option to reach such team. 
So basically they are trying to steal/ keep my XXXX dollars.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-24
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account.
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (TX)

They inflated the price of the vehicle and put things in the contract that I didnt agree to and then inflated the actual price of the vehicle I paid XXXX to XXXX to get the vehicle and then I started having mechanical Problems radiator transmission  and all so I finally couldnt drive the XXXX XXXXXXXX XXXX I was supposed to pay XXXX to XXXX for then I found out they were inflating the price to XXXX I didnt know this untill after the purchases they put some kind of vehicles XXXX  and XXXX  XXXX  afterwards and charged me extra for all that to now Im paying an large amount of interest on a XXXX  older car and the price on it was upped to XXXX more than the blue book on it I already need another vehicle but cant save a down payment
Consumer complaint received 2023-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (GA)

I was approved {$200.00} as a title loan from the address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. I didn't pay back the loan, but I allowed this company to take my vehicle as collateral XXXX XXXX XXXX. I moved from the state and was followed and harassed by this company. This company repeatedly bad mouth me on social media. This company has stalked and harassed the references I provided. I have not dealt with this company in over a decade but currently today this company harasses me and my friends and family which are the references I provided. There was a recent incident XXXX this company tried to impound my XXXX  XXXX and I didn't borrow or even apply for a loan. This company recorded the entire ordeal. If this continues, I will go to the authorities. I do not want any further dealings with this company unlawful practices and I'd like to take further legal action. I want my profile deleted and my information not sold. It took me so long to file a complaint because I couldn't pinpoint where the harassment was coming from until I read an article about the company unethical practices to others. I consulted with my family and friends and came the conclusion of Titlemax title loans.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am an XXXX  XXXX, and my mother made XXXX payments to me this month, namely XXXX XXXX dollars. As I was about to receive the last payment, my saving account was on hold, and the bank told me that I needed to prove that it was for personal use and verify the name and phone number of the transferor. I provided this information truthfully and correctly. But they said, 'I 'm sorry we don't have permission to unlock it for you. You need to wait 5-7 working days to complete the review. '. All my money is in my saving account, and I can not withdraw any money during this period. If I am unable to withdraw in nearly days, there is a high possibility that I will not be able to live a normal life.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-24
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. (AZ)

PLEASE BLOCKED AND REMOVED.

I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It's been XXXX years after the date of the first day of Collections Date opened and therefore, these accounts are inaccurate, adverse in violation of Congressional Mandates of XXXX  third-party non affiliated Consumer Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are being furnished without written permission, Re aged & XXXX inaccurate information reporting after XXXX years of XXXX day of missed payment.. these accounts are XXXX  years postdated of being sold to Collections XX/XX/year>.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
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: EQUIFAX, INC. (FL)

I am writing to dispute several hard inquiries on my credit report that I believe are fraudulent and unauthorized. These inquiries were not initiated by me or with my consent, and I believe they were made by someone attempting to obtain credit in my name without my permission. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Specifically, under Section 611 of the FCRA, I am entitled to dispute any inaccurate or fraudulent information on my credit report, including these unauthorized hard inquiries.

Additionally, under Section 616 of the FCRA, credit reporting agencies and entities that furnish information to them, such as creditors, are required to take reasonable measures to ensure the accuracy and completeness of the information in a consumer 's credit report. In this case, it is clear that these fraudulent hard inquiries were not initiated by me and therefore are not accurate or complete. 

I request that you investigate these fraudulent hard inquiries as soon as possible and remove them from my credit report within 30 days of receipt of this letter, as required by law. Failure to do so would be a violation of the FCRA, and may result in legal action and penalties under the law.

For violations of Section 611 of the FCRA related to the failure to investigate and correct inaccurate or fraudulent information on a credit report, including fraudulent hard inquiries, credit reporting agencies may be liable for statutory damages of up to {$1000.00} per violation. 
DELETE HARD INQUIRIES AND CLOSED ACCOUNTS Inquiries XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Closed accounts XXXX XXXX XXXX  Closed on XXXX XXXX XXXX XXXX XXXX XXXX  Closed on XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX Equifax Hard Inquiries XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  closed accounts XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX 
Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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. (NJ)

None of these accounts belong to me. delete it from credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had late payments with any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX