davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (IL)

The Gramm-Leach-Bliley Act ( GLBA ) requires consumer financial products, such as loan services or investment-advice services, to explain how they share data, as well as the customer 's right to opt out I choose to OPT-OUT of the services you provide to share my consumer data with All credit bureaus Trans Union, XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NY)

Key Bank sent a proposed arbitration provision to our Preferred Credit Line Agreement with an opt-out requirement, including that the opting out " must include the information set forth in the Arbitration Agreement, '' requiring borrowers either to make a copy or transcribe its proposed account agreement merely to preserve the existing account agreement. 

The proposed loan modification agreement was not sent by proper legal notice in New York State but was sent by First Class mail, postage prepaid, which makes the notice and opt-out provision legally dubious.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (MI)

I was alerted to a new hard credit inquiry on my credit report, lowering my credit score. It showed it was from XXXX XXXX XXXX. I contacted the bank and the person I spoke to asked me to provide a number associated with an account to look it up. I stated I did not have that. I was transferred to the fraud department where they attempted to find the inquiry but found nothing. It is now showing on both my XXXX and my experian reports.
Consumer complaint received 2023-07-26
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. (IL)

See the attached documents. 
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2023-05-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION ()

I have an FHA mortgage loan, I believe SN Serving Corp is robbing us blind with interest payment over {$17000.00} for XXXX and the XXXX mortgage statement stated we owe XXXX, and XXXX say that we owe XXXX. we need help because we paid over XXXX annually for a mortgage payments. We have a modification interest rate of 6.5 %. I have paid this company since modification XXXX within 3 years and my mortgage have not moved. We need help because they are really hurting our finances. I have the 1098Mortage statement to proof this company is ripping us off
Consumer complaint received 2023-05-16
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. (LA)

I, XXXX XXXX XXXX, never gave, TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.
Consumer complaint received 2023-08-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NV)

On or about XX/XX/2023, I contacted I C System after I received a call from XXXX regarding my account being activated by someone. Immediately accessed my credit report to discover that there was a collection added to my XXXX Credit Report from a company called I C. I XXXX  the company and called the company to retry and resolve the issue since I was unaware of the company. Once the agent came to the phone, I identified myself and let the agent know that I had been involved in a rash of identity matters and this surely must be one. I don't have XXXX. I've received any communication from their company and the agent stated that it's on your credit report and that's informing you of the debt. I thought that according to the Consumer Financial Protection Bureau debt collectors had certain steps they must follow prior to reporting the debt to the credit reporting companies. They must do any one of the following : 1. Speak with you in person about the debt.

2. Speak with you by telephone about the debt.

3. Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered.

4. Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasn't delivered.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

While checking my most recent credit report, I noticed unauthorized inquiries made by the following companies : Inquiries : ACCOUNT NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ; INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX ; XXXX DATE XX/XX/XXXX ACCOUNT NAME : XXXX / XXXX INQUIRY XXXX ; XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX ; INQUIRY DATE XX/XX/XXXX ACCOUNT NAME : XXXX : INQUIRY DATE XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you transunion permission to furnish this this information onto my credit report. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you transunion to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (SC)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$66.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXS ) XXXX Balance : {$290.00}
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Credit Management has an unverified, obsolete, and inaccurate account on my credit credit report. 

This account needs to be deleted from my credit report. 

Thank you XXXX XXXX
Consumer complaint received 2023-07-26
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

I paid this account off in full and yet they are still listing themselves on my account as unpaid. I want them completely removed as the credit reporting company agreed that this account has been paid to a {$0.00} balance and indeed, should not be still appearing on my credit report.
Consumer complaint received 2023-02-28
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Kindly remove these fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items are inaccurate and fraudulent . Im seeking Litigation. Please delete them at once.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I was discharged from my student loans as part of the XXXX XXXX XXXXXXXX lawsuit. My school was named and I received the approval from US department of education. Borrower defense department has sent over the discharge paperwork to Mohela and they have refused to discharge my student loans. The loans were due for forgiveness by XX/XX/2024. Mohela has since placed me back into repayment, when they are not supposed to, according to the lawsuit. 

I am needing immediate discharge of my student loans as promised.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (MI)

Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately XXXX XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX {$530.00} original creditors XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX $ XXXXXXXX XXXX XXXX bank.XXXX {$00.00} XX/XX/XXXX.
Consumer complaint received 2023-02-28
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)

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 items 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-02-28
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. (TN)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (FL)

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease being reported on my consumer report, as their presence directly violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their inclusion continues to violate multiple laws. Please ensure the prompt removal of these accounts and information without delay.
Consumer complaint received 2022-10-27
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. (MI)

Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately XXXX Equifax XXXX, XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (NE)

VW Credit of America CAN NOT resolve their system upgrade issues they had few months ago and they consistently say that I am {$0.00} past due even that I over pay by about a dollar or 2 every month. I have made every effort and talked to supervisors to resolve but I am not getting anywhere. If you look at the attached statements, you will see that i overpay what is being asked from me and yet consistently I get {$010.00} tacked on as PAST DUE. This is not right and they need to fix it. So, I need your help to have them look into my account. 
Thank you
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (LA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 corrected : XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-27
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. (PA)

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 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 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (DC)

On XX/XX/2023, I received a notification on my XXXX XXXX and XXXX app that a collection was listed on credit report. 

I looked into the details, and it said I owed {$2100.00} dollars to T-Mobile. I have never used T-Mobile in my life, my first phone account was with XXXX. I immediately knew this had to be fraud. 

I contacted my local police department and notified XXXX of this fraud on XX/XX/2023.
Consumer complaint received 2023-05-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct XXXX XXXX opened XX/XX/2022, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-14
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: Experian Information Solutions Inc. (PA)

In with the fair credit reporting act. The list of accounts below has validated my federally protected customer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 customer 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a customer to any custom reporting agency if the person knows or has responsible calls to believe that the information is Inaccurate.
Consumer complaint received 2023-02-28
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC (KS)

I have been receiving a continuous stream of calls from collection agencies for a debt incurred by someone with same first and last name as mine, but not the same middle initial. I have repeatedly told these agencies that I am not the person in question, I am not related to this person, and I do not know him.