davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

I, XXXX XXXX, lost my wallet in XXXX of XXXX. I was under the impression that one of my children had mistakenly thrown it away, as it was sitting near empty shopping bags. The wallet was filled with my personal information ID 's, Social Security card, debit cards and checkbook, I replaced all the items in the wallet with no issues and it wasn't until when I recently checked my credit, that I learned that several accounts have been opened in my name without my permission. I have contacted the credit bureaus for assistance, and I was instructed to make a FTC Fraud Victims affidavit and report so that they can fully investigate and remove these accounts from my credit report. 
Below are the fraudulent accounts showing on my credit report - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$650.00} - XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$1100.00} - XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX  XXXX ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX XXXX opened XX/XX/XXXX for {$4100.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$700.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$510.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$5200.00}
Consumer complaint received 2023-04-18
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 Follow-up 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 accounts 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. 
Please remove these accounts in my file : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2023-05-30
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 information is inaccurate.
Consumer complaint received 2023-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-05-30
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)

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I have called MOHELA many times trying to get an update on my payments for public loan forgiveness. When my loan was transferred to them over a year ago, I had 98 payments. I have payments that under the temporary waiver count towards loan forgiveness and have not been updated or applied. My payments have almost a year that have not been updated on their systems. A few months is understandable, but over a year is unacceptable. I have enough payments if they count the payments that have not been counted to get my loans forgiven under the public service program. I have been working as a XXXX for 13 years. The lack of accountability on their part has cause me a lot of stress and is affecting my mental health. These payments should have been counted a long time ago. Calling them on the phone is a nightmare.
Consumer complaint received 2023-05-30
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-30
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. (VA)

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 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX, as I do once a year, I went to www.annualcreditreport.com and requested my credit report from all 3 credit reporting companies. I was able to view the XXXX credit report just fine, but when I went to XXXX it said I needed to call them first. I did call them but was diverted to a phone loop that ultimately sent me back to annualcreditreport.com on the phone. I went through the automated procedure and was told I would receive my XXXX credit report by mail within 15 days. When I chose my Experian credit report, it said my report was not available at this time and I should mail them a request for it. I found annualcreditreport.com 's toll free phone number online and went through the automated procedure again with the response that I would receive my Experian credit report by mail within 15 days. 

I have never had problems before getting all 3 of my credit reports on the same day, and I don't appreciate having to settle for getting 2 of the reports by mail rather than being able to view them at home on my secure VPN. I would appreciate if you could tell me why this situation happened and how I can make sure it doesn't happen again. 
Thank you.
Consumer complaint received 2023-04-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC (VA)

To Whom It May Concern : XXXX XXXX XXXX redresses the illegal practices of Fay Servicing , LLC servicer for XXXX Master Participation Trust concerning the collection of debts, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. ( FDCPA ) and Federal Trade Commission ( FTC ) under Sections 5 ( a ) and 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) and 53 ( b ). 
XX/XX/XXXX you claim we executed a Note and Deed of Trust with XXXX : Per the documents provided ( refer to the attachment to this complaint ) are not signed therefore the documents your clients have produced is Fraudulent/ Forged since I rescinded on XX/XX/XXXX & XXXX, XXXX making this loan XXXX XXXX XXXX, as null and void. 


Please supply the information below so that I can be fully informed : can you provide a copy of the signed XXXX XXXX Disclosure Statement ; Good Faith Estimate of Settlement Charges, HUD-1 Settlement Statement and XXXX XXXX XXXX created my original requirement to pay? 

I am open to communicating with you for this purpose. In order to make sure that I am not put any disadvantage, in the meantime please treat this debt as being in dispute. 

In addition to providing the information requested above, please let me know whether you are prepared to cancel any Foreclosure Sale NLT, Friday, XX/XX/XXXX. 

If so, please tell me in writing that the Foreclosure Sale scheduled for XX/XX/XXXX has been cancelled. 

Thank you for you cooperation.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Child support has been reported on the estates consumer credit reports as a loan and I have never received a loan. There is no executable contract between myself and the child support division of the Office of Attorney General of Texas. They have injured this estate and the Agent that signs and operates this estate for the benefit of its beneficiaries with revocation of Power of Attorney they are not allowed to conduct business on behalf of the estate.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I was told by Chase that my account is under the investigation. I swear to XXXX that I didn't do anything violated the rules. But they closed my account without any reasons and I can't withdraw my money from it. I got all my money in it. I'm a international XXXX. The money including my living expanses and my rent money. For now, I have no money to use. And it is really urgent to me. I need chase to recover my account or give my money back.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received an email from Bank of America asking if I sent {$3500.00} to a person I have never heard of. I responded No. I received additional text from who I thought was Bank of America stating to correct the problem, i needed to transfer {$3500.00} to myself and the money would be stopped from going to person ( XXXX XXXX  ) and would be transfered back into my account. I should have known better, but i had other problems at the time. I did not have a XXXX account and had not heard of XXXX before this date. I was instructed to open the XXXX account with point by point instructions. I sent {$3500.00} to XXXX XXXX on that evening of XX/XX/2022. I received all information from a phone number that appeared on my phone XXXX XXXX, Which I recognized as Bank of America number, After the transaction I called Bank of America on that number and was told that they did not call me for that transation. The operator opened a fraud claim and said I would receive communication about the claim in 10 days. Two weeks later, I received a letter that they were investigating. One month later My claim was denied. the Bank suggester I contact the receiver for a refund, To conclude, 7 on your side in California got BoA to refund the money. Why not me, This has happened to others and I was to believe Resolution E portects coustomers l like me. I tried to accept this loss but I can not. I need to receive help to get my money back. 
Thanking you in advance, XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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)

This is my fourth 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Balance : {$3900.00}.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-30
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 2022-11-21
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. (GA)

According to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ), I have the right to have accurate information on my credit reports. All three credit bureaus have inaccurate personal information on my credit report. I've attached my Driver 's ID and address.
Consumer complaint received 2022-11-21
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. (IL)

XXXX had a database breach and I was effected by it. All 3 of my credit reports were effected XXXX, XXXX and transunion Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with XXXX
Consumer complaint received 2023-05-30
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-30
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)

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2018-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lloyd & McDaniel, PLC (KY)

On XX/XX/XXXX I got served papers from Lloyd and McDaniels. So I worked out a 50 month payment which I have paid faithfully on this and today got a lein notice of which I have no real property in this county and it was sent XX/XX/XXXX and issued XX/XX/XXXX