davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (FL)

The Following Inquiries do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-18
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. (DC)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, U.S. DEPARTMENT OF EDUCATION XXXX XXXX, XXXX DEPARTMENT OF EDUCATION XXXX XXXX 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-08-17
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. (FL)

The Following Inquiries do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and my information and my identity was used to make accounts and inquiries in my name Ive also made a police report and sent that to them also but they still have these accounts on my credit report which had effected my life can someone please help me.
Consumer complaint received 2023-08-17
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. (CT)

XXXX XXXX XXXX has a hard inquiry that i don't recognize on Experian and XXXX XXXX gets me a hard inquiry for a Business card application that they mentioned would not affect the personal credit score.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (CT)

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 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 XXXX. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result ofyour violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you failor refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which aregreater than {$1000.00}. 

Send payment immediately via Certified Funds to : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Attached are copies of my state ID. 

Warm Regards, XXXX VIRGINIA XXXX
Consumer complaint received 2021-01-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disputed these accounts on my credit report and asked for proof of validation or remove the account. They never provided proof of validation and still have the account on my credit report.
Consumer complaint received 2023-08-17
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. (VA)

I checked again 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 items ( 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated federally protected rights to privacy and confidentiality under U.S.C 1681 XXXX XXXX XXXX acct : # XXXX and XXXX/DOFED acct : XXXX TransUnion and XXXX and XXXX inaccurate : Personal information i have never live at these addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX andXXXX XXXXXXXX XXXX XXXX # XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

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.
Consumer complaint received 2023-08-17
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (NJ)

Diversified Consultants is contacting repeatedly through out the week and multiple times a day. I have advised them i am having financial hardship but am working very hard to pay down all of my debt. They are continuously calling while I'm at work even though I have asked them to stop. Today XX/XX/XXXX I advised I was submitting a formal complaint. I started to pay down my debt starting in XX/XX/XXXX. Even though I am not paying large amounts, I am trying. The following is a list of all the calls I have receieved in the past 2 weeks, I have saved the screenshots and have the managers name, they are calling from three different phone numbers. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX & XXXX. XX/XX/XXXX XXXX XXXX. I have advised I do not require a settlement, I am willing to pay the debt in full, I just don't have the spare funds. I have rent and more pressing debt which is my priority.
Consumer complaint received 2023-06-06
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)

Hello, my name is XXXX XXXX XXXX, I am writing to report a distressing incident of identity theft that has caused significant harm to my financial standing. It has come to my attention that someone has fraudulently used my social security number to open multiple credit card accounts without my consent or knowledge. 

The unauthorized activities conducted under my name have resulted in a series of negative items on my credit report, which are entirely inaccurate and detrimental to my financial reputation. I am deeply concerned about the potential long-term consequences if these fraudulent accounts are not promptly addressed and removed from my credit profile. 

I kindly request your immediate attention and assistance in investigating this matter. I have taken the necessary steps to file a police report and have notified the affected credit card issuers. I have also placed fraud alerts on my accounts with the major credit reporting agencies.

Considering the severity of this situation, I implore you to take immediate action to remove all negative items associated with these fraudulent accounts from my credit report. This will help restore my creditworthiness and prevent further damage to my financial stability.

I have enclosed copies of the relevant documents, including the police report and any other supporting evidence, to aid your investigation. Please treat this matter with utmost urgency and provide me with regular updates regarding the progress made in resolving this issue.

I greatly appreciate your understanding and cooperation during this distressing time. I trust that your expertise in handling identity theft cases will enable a swift resolution to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information.

Thank you for your immediate attention to this urgent matter.

The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (FL)

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 accounts 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 XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-17
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (IL)

To whom it may concern, Account # XXXX I have previously sent you a request to validate my debt, account number XXXX on XX/XX/2021 and XX/XX/2021. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting 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)

To Whom It May Concern : 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. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


8. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Consumer complaint received 2023-06-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, TXXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # 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 an account without written instructions.
Consumer complaint received 2023-08-17
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. (MD)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
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. (VA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was refinancing a fixed equity loan, and when I was asked about The bank of American representative told me there was NOT a fixed rate home equity loan option... 

Now my payments have doubled, and my interest rate is higher than my original loan.. and I'm pretty sure I was just blatantly lied to in order to saddle me with this XXXX ARM loan, since Fixed rate options are now plastered all over the bank of America website . Ontop of being forced to manifest and pay off thousands of dollars in other 0 % debt. Leaving me with no emergency funds, and this second mortgage payment that quickly doubled, forcing me to live off of credit cards again.
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

My wife and I have a mortgage through PHH. Over the past five years we have watched our payment move up from around XXXX to around XXXX. Yesterday we received a bill for a payment of around XXXX. After calling the mortgage company their explanation was that our home insurance had increased from around XXXX annually to over XXXX. They also us claims dealing with increased taxes and expected increase in escrow. Is this legal? I felt our contract was a 'contract ' and not a liquid form. There is no way we are able to make these types of payments. I did call my insurance provider and found that because we had wind damage claims that XXXX XXXX had increased our insurance to that claimed amount of over XXXX. My wife and I are both retired. Could you please help. thank you.