davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (IL)

XXXX  by XXXXXXXX XXXX company broke some US Laws.

PLEASE GO AFTER THIS COMPANY I ALSO REPORTED THEM TO THE ATTORNEY GENERAL I HAVE MY ACCOUNT NUMBER TOO.

THEY ALSO HAVE HAD MANY CLASS ACTION LAWSUITS 1. 1st Law Harassment ; In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

2nd law : Late charges on credit report are illegal By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Because of these violations, my credit score has suffered and i have lost XXXX of points!!!!! 

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the timeshare at the same rate as someone else. These timeshares discriminate based on a persons background not necessarily their credit. Its unlawful for the timeshare to discriminate against a person for a purchase! This is unlawful discrimination!!!

4th Law : With me being the consumer, I never received any time of payment for this timeshare thats already paid for. I never received cash, check, card, or etc. This is a violation of the recission for this timeshare With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership.

THIS IS AGAINST THE LAW!

Violation of 15 USC 1679a! 

im submitting this on behalf of my fiance XXXX XXXX im also on the timeshare too
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DC)

Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXXXXXX XX/XX/XXXX. Both stated they received no scores from XXXX, Experian, and XXXX. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!
Consumer complaint received 2022-10-31
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)

XXXX  by XXXXXXXX XXXX company broke some US Laws. 

PLEASE GO AFTER THIS COMPANY I ALSO REPORTED THEM TO THE ATTORNEY GENERAL I HAVE MY ACCOUNT NUMBER TOO. 
THEY ALSO HAVE HAD MANY CLASS ACTION LAWSUITS 1. 1st Law Harassment ; In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

2nd law : Late charges on credit report are illegal By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Because of these violations, my credit score has suffered and i have lost XXXX of points!!!!! 

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the timeshare at the same rate as someone else. These timeshares discriminate based on a persons background not necessarily their credit. Its unlawful for the timeshare to discriminate against a person for a purchase! This is unlawful discrimination!!!

4th Law : With me being the consumer, I never received any time of payment for this timeshare thats already paid for. I never received cash, check, card, or etc. This is a violation of the recission for this timeshare With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership.

THIS IS AGAINST THE LAW!

Violation of 15 USC 1679a!

im submitting this on behalf of my fiance XXXX XXXX im also on the timeshare too
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the accuracy of the accounts on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX., XXXX, IL XXXX. I recently received a copy of my consumer report and noticed that some accounts on my report should not be there. As per the Fair Credit Reporting Act ( FCRA ), I demand that the below accounts be deleted from my consumer report immediately. 

Furthermore, I would like to bring your attention to the fact that reporting these accounts is a violation of 15 US Code 1681. 

The following accounts are reporting inaccurately on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX, WI XXXX - Resident type : Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX, Additionally Previous Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX Please remove these accounts from my credit report as soon as possible . Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-07
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: CURO Intermediate Holdings (MS)

This account is unknown to me, send me proof of how you verified this account, the collector did not verify that this account was mine, please send me a method of verification bearing me signature. Please send the original paperwork bearing my signature, I believe this to be false information reporting,
Consumer complaint received 2022-10-31
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. (AZ)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Consumer complaint received 2023-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

American Education Services aka PHEA has returned my payment from XX/XX/ and this was for the amount for {$1200.00} and this is the third time they've done so, despite my using the same bank information everytime.
Consumer complaint received 2023-07-01
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I sent XXXX a letter asking them to send me all documentation in reference to this account on my credit and they only sent me typed contract no photo identification and I have a fraud alert on my credit. 

I was also never gave permission to open an account on my behalf. 

Violation # 1 According to consumer law section 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Violation # 2 According to consumer law section 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting of this ACCOUNT to all consumer reporting agencies. 
- Remove reporting of such account from all consumer reporting agencies. 
- Provide a complete and updated consumer file for without the alleged debt as assembled by XXXX  - Provide acknowledgment of this official notification that I am opting out of your reporting. Do not report ANY information bearing my identification.
Consumer complaint received 2023-02-21
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. (AR)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 credit bUreaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2023-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

My problem lies with the counts on my account. I have received different information each time that I called. It seemed that I just needed to wait and then while waiting someone told me that I needed to update my current employment. Not one person mentioned this during the time that I was supposed to simply wait. I then uploaded my documents and someone stated that they would be processed quickly and this was not the case. I have been waiting for quite some time and I think that Mohela should let me know how many counts I actually have in a timely manner. I should be close to forgiveness and I want this to be solved prior to when a payment is due. Thank you
Consumer complaint received 2022-11-01
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 credit bUreaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} ; XXXX XXXX  Inquiry Date XX/XX/2022
Consumer complaint received 2022-11-01
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (GA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2024-03-22
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2023-07-01
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. (GA)

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 inquiries 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 inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-01
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-11-01
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. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX credit bUreaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX  XXXX  Inquiry Date XX/XX/2022
Consumer complaint received 2017-01-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CO)

I bought a home from GMAC it was a foreclosure property, IT WAS NEVER DISCLOSED that the property had mineral rights, its almost impossible to get a chain of rights. The bank has that information because they mortgaged it originally with the rights, at the sale and on the deed they made an exception to oil and gas. Since it was never disclosed that their was mineral rights I did not object. If I was informed of the fact I would have paid more or not purchased the property. NON DISCLOSURE FORM MATERIAL GAIN. I am a senior and feel very taken advantage of!!!
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

Confirmation # XXXX XXXX/XXXX/2016 We have reviewed your concerns and our conclusions are : " Please be specific with your concerns by listing the account names, numbers, and the nature of your dispute. '' 1. Account Name : XXXX XXXX XXXX ( Debt Collector ) XXXX ( Original Creditor ) 2. Amount {$130.00} This is false and misleading information that you recorded on my credit report.