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

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 ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (OH)

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 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 informationisinaccurate.
Consumer complaint received 2023-05-24
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)

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 deletion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (DE)

I am a XXXX  citizen and have been a customer of Nationwide XXXX for 23 years. They cover my homeowners and my auto insurance. I reached out to Nationwide XXXX  on XXXX XXXX to question why my auto monthly insurance deduction increased {$40.00}. They stated it was because of an event on XX/XX/XXXX in NJ for impeding traffic on the shoulder of the road and nothing Nationwide could do!!! 

On XX/XX/XXXX The policeman gave me a warning with a fine and stated theres no points, no insurance increase, no problem and I was on my way. Within the month I paid the {$50.00} fine. I was not aware nor was I told I needed to appeal the fine and ticket to avoid an auto insurance increase of {$40.00} ( NO POINTS ) FOR THE NEXT 5 YEARS. 

In addition, I am a XXXX  citizen with a perfect driving record since XXXX, defensive driving courses and XXXX XXXX ( regulates driving habits )
Consumer complaint received 2023-05-27
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. (NY)

Are you familiar with something called 15 U.S.C. Section 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

15 U.S.C 1681 section 2. ( 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 my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (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 XXXX 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 reports no consent is fraud.
Consumer complaint received 2023-02-02
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 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 2016-11-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (OH)

I received a mail from Mobiloans that I was prequalified for {$1000.00} loan. I applied for the loan and was charged {$100.00} which brought the loan to the total amount of {$1100.00}. I was never told that I will be paying {$95.00} financial in each billing circle. my payments are schedule bi-weekly some times in the amount of {$150.00} or {$140.00}. All I thought the {$100.00} added to the original loan was fixed but not knowing {$95.00} will be added in every billing circle.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-05-24
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. (LA)

See attached complaint on this CRA that refuses to properly investigate this erroneous account that has been reporting on my consumer report with numerous inaccuracies that are leading current and future creditors that I'm less than worthy of extending my credit. I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. XXXX Information XXXX XXXX In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company. I know this company pays you to report this XXXX to my consumer report and you also have a duty as a data furnisher to investigate this item instead of simply sending a form to the company to verify with no merit or factual substantial documents produced. You've have enough time to thoroughly investigate this account so I demand it be blocked and deleted from my report in 7 days from the receipt or this complaint. I'm well prepared to get this matter in the federal court to be property litigated.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MA)

I was charged interest i had questions about. I called customer service to inquire about what the interest was for. The lady on the phone tried to explain to me what the interest was for, and that it was in my credit card agreement. I asked her to tell me where in my agreement this was explained, and she said she didnt know. I then asked her to send me the agreement, and tell me where I should look for this information, and she simply hung up the phone on me. This is really poor customer service.
Consumer complaint received 2023-05-24
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. (GA)

You are in Direct Violation of The Fair Credit Reporting Act XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

I am writing to dispute the following information that appears on my all my credit reports from XX/XX/XXXX : XXXX Credit Card opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Credit Card opened on XX/XX/XXXX and a balance of {$0.00}. This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX Credit Card opened on XX/XX/XXXX and a balance of {$1500.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXXXXXX XXXX XXXX Credit Card opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX Credit Card opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX and a balance of {$360.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Consumer complaint received 2021-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have not received any updates from this company as far as my dispute my accounts have not been set to disputed I recently did a complaint they said they were working on it I have not received any notice that they were working on it the bureaus have taken longer than 60 days and I am upset. I have sent multiple letters regarding this issue and I think it is unfair. According to the FCRA they have 30 days to respond back. I have no response and failure to investigate. I want these items removed for my report immediately
Consumer complaint received 2023-02-02
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. (MI)

This is my 5th 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 XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX Balance : {$40.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Credit information on the consumer credit profile should be deleted since the account is closed XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX  # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX # XXXX {$630.00} Equifax credit bureau Should delete these accounts, since they are closed and no longer valid on the consumer credit profile.
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My husband and I filed a complaint w/CFPB XX/XX/XXXX, ( which has not been resolved ) regarding how our lender ; Nations Star handle payments our trustee had been sending for the past five years. In what seems like intentionally backlash or retaliation our payment has gone up even higher than the initial complaint, causing us to believe this lender is trying to force us into unfair foreclosure. Our last complaint stated our payments were {$1000.00} then increase to {$1800.00}, we were told as of XX/XX/XXXX ( which ironically is the month we are no longer in bankruptcy ) our payments will be {$2100.00}. I 'd like to take this further, as I stated this seems as if we are being forced out of our home.
Consumer complaint received 2023-05-27
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. (GA)

Credit card company is reporting unlaw information on my credit report under fair credit act law 15 us 1681eb. 

The company had also reported card # XXXX as charge off with the IRS in the amount of {$1500.00}. 

The company had also reported card # XXXX XXXX as charge off with the IRS in the amount of {$1400.00}. 

Since the company reported a tax write off, they are required by law to send me a 1099C. 
in which this company refuse to provide me a 1099C. Reporting a canceled debt to you and to the IRS when a lender forgives an outstanding loan I owe, and I'm no longer responsible for paying it. According to the IRS, that canceled debt is taxable income to me and must be reported on my tax return. 
Lenders must issue Form 1099-C when they forgive debts of more than {$600.00}. 

They did not describe in details their firm 's charge-off procedures as they apply under the Sarbanes-Oxy Act of 20022 ( Pub. L 107-204, 116 Stat. 74 )
Consumer complaint received 2023-05-24
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. (WV)

I have recently been reviewing my credit profile and Ive found multiple hard credit inquiries from various institutions that I have no authorized. I would like to have them disputed. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not have, nor have I had accounts with these lending institutions. I have also never applied for credit with them either.
Consumer complaint received 2023-05-27
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. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (PA)

I have numerous of things that's being reported falsely on my account and credit report .someone is using my name to these companies and I would like to get it removed as soon as possible its a total of {$4300.00} on my credit .I tried to contact the company and complain and they was very XXXX and threaten me .Due to covid 19 its been a tool on me.
Consumer complaint received 2023-03-02
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$7600.00} XXXX  XXXX XXXX Balance : {$4.00}
Consumer complaint received 2023-07-12
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. (TX)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX