davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-15
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. (NC)

IN accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15USC 1681 Section 602 states that I have a right to privacy 15-usc 1681 section 604 a Section 2 also states taht a consumer reporting agency can not furnish an account without my written instructions.

Under 15-USC-1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2023-06-09
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. (WA)

Im writing in the hope that someone can tell me how on earth decisions to lower or raise credit scores are made by Equifax, XXXX, and XXXX. 

My credit score for a long while was XXXX - XXXX. I have just short of {$85000.00} deposited in two savings accounts, I have ZERO long term debt, NO car payment, NO student loans, NO medical bills, NO overdue bills of any kind. Still my credit score was dropped a full XXXX POINTS over a {$2500.00} charge that was paid off FOUR DAYS after it was charged??? 

I received an XXXX alert yesterday about a transaction on my XXXX XXXX, one similar to charges that Ive done several times before, specifically about {$2500.00} for vehicle maintenance. After a lengthy conversation with an XXXX rep I found that my credit score was about to be dropped a full XXXX POINTS for something Ive done several times before. That {$2500.00} didnt come close to the credit limit of my XXXX XXXX , and last week I initiated a {$3000.00} payment from my XXXX account that posted to the XXXX yesterday leaving a current balance of about {$100.00}. 

How on earth does a charge of {$2500.00} warrant a reduction of a full XXXX POINTS to my credit score? This is not the first time this has happened but is definitely something that should NEVER be allowed to happen.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar mortgage co. play a game with me for four years, I can pay, but they do not modify the mortgage. The account number is XXXX. I was robbed from many sides and my house was damaged and my XXXX was destroyed, so I could not pay for few months. I could pay after that, but they said I should apply for modification. Four years they played a game with me and collect a lot of late fee and attorney fee and now because I have a lot of equity in the house they want to forclose the house that I live in for 16 years. I am XXXX years old and worked 45 years as XXXX. I can pay now, but they want the whole money and do not coopeate and or make modification. I paid also a co. for reverse mortgage, but they sharge money and they did not do the reverse mortgage. It is not fair and just as I was robbed and they misused my situation.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and DELETED for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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)

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 Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 9th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The PAY HISTORY is incorrectly showing as a XXXX in XXXX of XXXX. This was paid/settled in full in XXXX of XXXX. This is grossly damaging my Fico Auto score Payment history guide Repossession as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Show less Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms XXXX Months Credit limit or original amount {$9700.00} High balance XXXX XXXX  Monthly payment {$0.00} Recent payment amount Not reported
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp. (LA)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report private information. Also I have sent motionable instruments XXXX XXXX, previous to this complaint, not only did they keep the instruments but they did not reflect the payments to my account. 

This company has also been contacting me regarding a debt. I have received letter in the mail to include the one attached explaining they were going to reposes the vehicle. 

This has been really trying for my mental health as well.
Consumer complaint received 2023-08-15
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. (NV)

XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. 

TO : TRANS UNION. 
XXXX. 
XXXX. 
To Whom It May Concern : I am writing to ask that you please review your records for me and make any necessary corrections. 
I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. 
Below is a summary of the data in which I am challenging : Personal Information for XXXX, TRANSUNION AND XXXX NAME : XXXX XXXX The only name I go by is - XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV. 
XXXX I only reside at : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX  XXXX XXXX XXXX, NV XXXX. 
Please remove any address you have in your system that does not match - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please the incorrect work history reflecting on my report as well, since I no longer work for the companies listed. 
Sincere Regards, XXXX XXXX. 

Please send your written response to my address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ,Nevada XXXX I am aware that you have been sending out form letters in response to many of the disputes andchallenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you XXXX process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (TX)

I purchased a washer and dryer from XXXX XXXX  XXXX in XXXXXXXX XXXX and it was financed through American First Finance. American First Finance said that if I paid it off by XXXX, it would be paid off through a early buyout plan. I borrowed XXXX dollars to pay it off on XX/XX/2022. I have a copy of the transaction. However American First Finance says that I purchased something else on that date. I never heard of this company until I purchased the washer and dryer. I never purchased anything from XXXXXXXX XXXX  XXXX since. I've filed several disputes through XXXX, because, it's affecting my credit score.
Consumer complaint received 2022-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Fig Tech Inc. (TX)

First and foremost I would like to address my concerns with Fig Loans of Texas which Fig Loans refuses to acknowledge and refuses to resolve. 
1. Fig Loans of Texas ( Fig Texas ) Opened a Loan in an unknown time for $ XXXX {$200.00} Fig loans reports this as Deliquent monthly to the consumer credit bureaus. 
2. It was already reported to Fig loans that I did not receive any funds from this loan, It was opened with a checking account which is now closed due to identity theft, and a phone number that isn't associated with me. Additionally, This has been reported to fig loans and they refuse to do anything even with an Identity theft affidavit. This is a legal document that is honored by the FTC and sent to the FBI Regarding Identity theft.

3. Fig loans did not send me any documentation regarding this loan, I did not receive funds from this loan, Fig loans did not verify it was me that was applying for this loan. They did not send me any statement 's regarding this loan, I have not received any documentation pertaining to this loan, Yet fig is under the impression I OWE THEM FOR A DEBT they sent to some thief.

4. Fig Loan 's continues to FALSELY report the loan on to my credit report stating that the loan is deliquent and it increases each month. I never received any monetary benefit from this loan, and I refuse to pay something I didn't authorize. They never confirmed it was me applying for it. If they had I would have advised it wasn't me. They never contacted me, instead they attempt to collect a debt that I do not owe. I refuse to pay something that I did not open and I did not sign, and I did not apply for. This was not received by me, it was not applied for by me, and I NEVER AUTHORIZED THIS ACCOUNT. It's fraudulent.
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Andreu, Palma & Andreu, PL (FL)

There is a law group that has taken action with me about a couch lease I have not paid on, but the problem is when I got the letter about me going to court, they stated that I can set up a payment plan and the court date would be nullified. I went to set up a payment plan with this group totaling {$2700.00}, with the original amount {$2500.00} ; with a {$110.00} a month. They never emailed me the payment plan, nor did they take the initial payment out which was suppose to go out on XX/XX/2024 and claimed they did numerous times. When I got off the phone with the person helping me out, they claimed that they do not do receipts ... Now that does not make sense to me I stated that to the woman, to which she claimed that it will be through your bank transaction id code as a receipt. I need a bill of receipt, not something of a bank statement. No company can allow this, but they do. I am not paying something that is not verified via email with the contract and receipts for records.
Consumer complaint received 2023-04-29
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. (MI)

I have my report with inaccuracies and inquires i have no knowledge of starting with : XXXX XXXX  XXXX XXXX collection account and the following credit accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-15
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)

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 Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2023-08-15
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My husband a XXXX XXXX Veteran and I have a mortgage with New Rez Mortgage. It is up to date. NewRez Mortgage has asked for a copy of our homeowners insurance policy. We have faxed it and mailed it 4 times. Our Insurance agent has sent the information.They refuse to acknowledge receipt of this information I have called New Rez to ask if they have the information and they said yes. And they continue to send threatening letters that they will buy insurance for us at a high rate if we don't send a copy of our policy. It has been sent 5 times and they refuse to acknowledge receipt of the information. I am XXXX XXXX XXXX and I get chest pains each time a letter arrives. I don't know what to do. No one will help us. New Rez will not give us a street address to send the information certified. They will not allow me to speak to a manager. No one will help me and I don't know what to do. Now they are sending Letters with XXXX XXXX saying they are going to buy insurance for us at a high rate. New Rez needs to acknowledge the i insurance we sent. It has our ID number on each page. And it costs us money to fax and mail to their XXXX XXXX XXXX I don't know what to do and I am scared. Please help make them read the information we sent. Thank you
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

As os XX/XX/2023 my student loans have been discharged by the department of education on the basis of my total and permanent XXXX. 

I do not have any student loans therefore, I would like them removed from all credit bureaus/ or show a XXXX balance
Consumer complaint received 2023-08-15
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. (NY)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX