davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX 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 XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-11-14
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. (AL)

I HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.
Consumer complaint received 2023-08-16
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 7th 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, SC XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2400.00}
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-05
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. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I was in an open bankruptcy and my mortgage company foreclosed on my property and they did not notify my husband that our property was being foreclosed on. I applied for a loan modification and it was denied. I owe more than my property value and they just want to take my house.
Consumer complaint received 2023-08-16
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 one of 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 accounts 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 accounts : XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

A credit card ( XXXX XXXX ) contacted me by phone and by letter to let me know they were sorry about my recent death. I called the phone number on my credit card on XX/XX/XXXX. I was told that one of the credit reporting agencies had given me a credit score of XXXX. Apparently, when you have actually died, your credit score goes to a score of XXXX. At the suggestion of XXXX XXXX, I initiated a credit freeze on my three credit reports and requested that all three credit reporting agencies send me complete credit reports. One of the three had what appeared to be all correct personal information. Transunion has included information about my previous wife, who actually has been deceased 6 years as of XX/XX/XXXX. My first name is " XXXX '' and then middle initial " XXXX '' Her first name was " XXXX '' with middle initial " XXXX '' When we married, she took my last name as her last name, so the two names are very similar. Under my personal information, they have listed two variations of her name, " XXXX XXXX '' and " XXXX XXXX. XXXX. ''
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-04-01
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)

TransUnion, XXXX, and XXXX are violating my rights pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ; 1681s-2 ( 6 ) ( B ) ; and 1681c-2. I am a victim of identity theft, which occurred at my current address by someone associated with my address, in my fathers name XXXX XXXX, in which i am his XXXX. Namely, regarding a credit card, XXXX  XXXX XXXX account # XXXX in amount of {$4300.00}. I noticed on TransUnion, XXXX, and XXXX 's credit reports about me, this inaccuracy listed. I filed an identity theft report, FTC # XXXX. I provided the reporting agencies proof of my identity ; a copy of my FTC identity theft report ; identity of the inaccurate information listed on my report ; and a statement from myself that the information listed is not information relating to any transaction by me.
Consumer complaint received 2022-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Hello, I have reached out to EdFinancials customer service multiple times regarding a refund request on my student loan payment made on XX/XX/2020. However, I have been given no real update or confirmation that I will receive a refund. As a student who depended on the Pell Grant to attend college, its quite disheartening to know this company will do anything to refund me.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

I am opening dispute with Chime for failing to credit me and my {$1500.00} that they approved. They only gave me {$560.00} back. I called in to ask why they explained that my a.k.a. XXXX which they call the merchant refunded me the money, which was actually me withdrawing previously deposited money to offset what was lost in my account from my friend, using my account and losing my money. The specific incident happened in XXXX where my friend took {$1500.00} from my bank account and deposit it into a XXXX that I use. He traded with it and lost all the money chime saw me put money back into my account from said XXXX, and claimed it was a refund when in fact, it was me putting my own money back into my bank account that was taken out and lost by my friend through trades. Shame, even though being a said, financial institution, can not seem to comprehend how a broker works as they do not offer refunds. Ive had to call in aboXXXX XXXX XXXXes to get my ticket escalated. I have provided the correct documentation, such as withdrawals and deposits to prove that the money was completely lost, and I had to use previously depositing money to offset those losses, which were deposited to the broker from a completely different bank. Please help me get my money back. They owe me {$930.00}.
Consumer complaint received 2022-10-18
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. (MD)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-16
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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. (SC)

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, XXXX-XXXX  : XXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be.

15 USC 1681 ( a ) ( 1 ) ( 2 ( 3 ) ( 4 ) - Congress makes the following findings ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681a ( d ) ( 1 ) ( 2 ) ( A ) ( i ) - Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. 

I have tried for several months to resolve the inaccuracies and non-disclosure information reporting on my consumer report without my consent. I am a victim of XXXX data breach and TRANSUNION has purposely ignored my complaint of inaccurate reporting with sending me computerized responses and continuously furnishing inaccurate information violating my rights to privacy and the FCRA. TransUnion inaccurate reporting has caused me financial stress by defaming my financial reputation and slandering my character to utilize my credit.
Consumer complaint received 2023-08-16
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or remove the following inaccurate items in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name 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 2023-08-16
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. (TX)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2023-08-16
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 maccordance 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the aceounts below :
Consumer complaint received 2022-10-23
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. (MD)

Factual data sheet attached. CFPB Reference : XXXX Re : Discover See attached the factual sheet : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax Full name XXXX Last XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer N/A Spouse Name N/A Spouse Social Security # N/A Credit Report Dispute / Account Information Dispute Section Company Name : XXXX Bank Account # XXXX XXXX XXXX Not my account X -- -- Was never late -- -x -- -Account paid in full -- X -- Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid in full Company Name : Company Name : -- -- -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : Company Name : Courthouse or Collection Agency accounts : Courthouse or Collections Agency Case number for courthouse records only -- -- Not Mine ( explain ) -- -- -- Satisfied -- -- -- Released -- -- -- -Dismissed -- -- -- Discharged -- -- -Collection was paid -- -- -Other ( explain ) I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Consumer complaint received 2024-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (CA)

My mortgage is held by XXXX XXXX and serviced by Shellpoint Mortgage Servicing. I asked for the payoff figures for XX/XX/XXXX and the prepayment penalty was calculated incorrectly, overstated by {$82000.00}. I have called 4 times now, emailed, and written a letter requesting a review and have gotten the same incorrect prepayment penalty restated three times. I have the funds ready to pay off my loan and it is being held hostage, costing me {$110.00} per day. Please help, I am at my wits end.