davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Trust Management LLC (TN)

XX/XX/2020 at XXXX XXXX  ( EDT ) Global Trust Management LLC called my cell phone from a number with the same neighborhood/area code as me. This company is based out of XXXX Florida. The number that called me was XXXX XXXX XXXX XXXX, which uses a XXXX, TN area code. When I called the number back, the person told me they were in Florida. This action is consider fraudulent as they misrepresent where they are calling from in an attempt to trick people into accepting a call they otherwise would not want to accept. I have asked their manager to make sure I am never contacted again, but I felt it was important to report illegal activities that could be occurring on a massive scale. Committing fraud in order to collect a debt is illegal.
Consumer complaint received 2024-03-19
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, have violated my rights. 

15 USC 1681b states, I have a right to privacy.

15 USC 1681b A ( 2 ) further states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Kindly refer to the enclosed document. Further supplementary documentation will be provided within the stipulated timeframe. Closure of this case will not occur until finalization has been confirmed regarding credit reporting. 


Submission Dates for Correspondence : XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ]
Consumer complaint received 2022-11-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (PA)

As of XX/XX/2022, I am a XXXX XXXX XXXX pursing my XXXX XXXX XXXX in XXXX XXXX XXXX ( XXXX ) at XXXX XXXX XXXX  XXXX During this program, I am not employed, have no steady disposable income, and am paying for housing and other necessities by way of XXXX XXXX XXXX and XXXX XXXX XXXX 

Firstmark Services, who service XXXX private loans for previous educational endeavors, refuse to grant me in-school deferment for the time I am pursuing my XXXX. It was verbally relayed to me during the XXXX XXXX XXXX  I would be eligible for in-school deferment. I can not recall the actual date. I submitted the appropriate confirmation of my status as a XXXX XXXX. They continue to reject this much needed deferment, thus seriously damaging my credit score and causing mental distress.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 an automotive company attempted to run my credit report and had issues attempting to get it due to a fraud alert. Please have XXXX, XXXX, and Transunion remove fraud alerts. Thanks
Consumer complaint received 2020-10-01
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 hard inquiries were made without my authorization by XXXX, JPMCB XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.
Consumer complaint received 2022-11-08
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)

Misspelled Name ( XXXX XXXX ) { XXXX, XXXX, ) Dispute ignored and put back on my account Consumer Financing reported on my account should not be XXXXXXXX XXXX that reported on my account which I never lived at the address reported They have incorrect and outdated information This incorrect information is causing me to reflect a inaccurate credit score causing me to get denied when I should be approved
Consumer complaint received 2022-11-05
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. (NJ)

I did not authorize or recognize the credit inquiry entry on my credit report. I contacted said company and credit bureau reporting agencies Equifax, XXXX, and XXXX to have the inquiry investigated and/or removed immediately. The credit bureau agency refused to remove the unauthorized inquiry, and I was advised that the reporting company did not respond, and to contact the vendor company directly, notify CFPB, and the FTC accordingly.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

Multiple attempts to have a fraudulent charge on my card removed. Barclays has been zero help. They do not care. At this point I already have a paper statement from them stating I am not responsible for the charge, dated XXXX and the charge is STILL on my card. This began back on XX/XX/XXXX, I've been trying to get this resolved.
Consumer complaint received 2020-10-01
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. (AL)

This is an attempt to correct my EQUIFAX, XXXX, and XXXX  credit report ( s ). I have identified fraudulent accounts and inquiries on all three credit reports. I am requesting the permanent removal of these accounts and have them blocked from me personal report ( s ). The accounts are fraudulent, unverifiable, and violate my consumer rights. 

Accounts XXXX XXXX XXXX  XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$470.00} Inquiries XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2023-01-22
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. (PA)

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.

In line with the FCRA 605-b, I request ALL the Fraudulent information be removed Immediately! I am being adversely impacted by this fraudulent information, I am a victim of identity theft.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 an automotive company attempted to run my credit report and had issues attempting to get it due to a fraud alert. Please have XXXX, Equifax, and XXXX   remove fraud alerts. Thanks
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

In XX/XX/2020, I called Shellpoint and went online to request a COVID 19 temporary forebearance since I can not afford my mortgage. It is know XX/XX/2020 and I have received no information except for a MORTGAGE STATEMENT showing I am now past due 2 payments. 

I have nothing online nor in the mail acknowleding my request. I have done this twice and have gotten nothing.
Consumer complaint received 2024-03-19
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. (CA)

This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX debt that we acquired in their name, which is now associated with XXXX Reference # XXXX. In an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Please allow sufficient time for updates to be reflected on XXXX XXXX XXXX 's credit report. Thank you for the opportunity to respond. 

I am writing to you regarding the recent admission made by XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX XXXX '' ), a furnisher of information to your agency, regarding their wrongful actions in reporting derogatory information related to a XXXX debt associated with my name, XXXX XXXX XXXX. 

In their correspondence with the Consumer Financial Protection Bureau, XXXX XXXX confessed to violating my rights by improperly reporting and attempting to collect on this debt. As a result of their admission, they have terminated collection efforts on the debt and have requested the deletion of their tradeline associated with my name from all major credit bureaus, including yours. 

The actions of XXXX XXXX have not only caused me undue stress and inconvenience but have also severely impacted my financial well-being. The derogatory information reported by XXXX XXXX has adversely affected my credit standing, resulting in denied credit applications, higher interest rates, and other financial hardships. 

As a consumer reporting agency, you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information you report. By failing to properly vet and verify the information provided by XXXX XXXX, you have contributed to the harm inflicted upon me. 

Therefore, I demand the following remedies from your agency : Immediate and permanent deletion of any derogatory information related to the XXXX debt and XXXX XXXX 's collection efforts from my credit report. 
A written confirmation, within 14 days of receipt of this letter, that the requested deletions have been made. 
Compensation in the amount of {$1000.00} for each violation of my rights under the FCRA, totaling [ 5 ] violations. 
An apology letter acknowledging the harm caused by your agency 's failure to ensure the accuracy and fairness of the information reported. 
Failure to comply with these demands within the stipulated timeframe will leave me no choice but to pursue further legal action against your agency for the damages incurred. This may include filing complaints with regulatory authorities and pursuing civil litigation to seek appropriate remedies and compensation.
Consumer complaint received 2023-01-04
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. (GA)

In accordance with the Fair Credit Reporting act the account listed below 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I am complaining against AMERISAVE for the following : 1. Unfair dealing, bait and switch. AMERISAVE refused to lock the rate for me. The rate advertised to me initially was 2.375 %. After I decided to go with them for the refinancing deal, the rate became 2.625 %. At one point, the rate became 2.875 %. And I protested to the loan officer. The loan officer mentioned that he will try to have it back down to 2.625 % but still refuse to lock the rate. 

2. illegal and excessive fees : the loan being proposed is illegal because the fee has exceeded legal limit. 

3. Failure to lock the rate and close : initially the loan officer said after the appraisal, he was able to lock the rate. But after the appraisal, he was not able to lock the rate. Now it has been more than 2 months. He has still not been able to lock the rate. Thurs, I emailed him to withdraw the application and request refund of the fees.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

IC Systems did not provide information on letter C ( Step 3 ) in the previous 1692gb letter that I sent them. They have not given me the acopy of yourlegal authority to collect the alleged debt onbehalfoftheoriginalcreditor. You are attempting to collect an alleged debt that I do not owe in clear violation of the FDCPA. 

I am attaching another document to this complaint.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 an automotive company attempted to run my credit report, as did another a few days prior, and had issues attempting to get it due to a fraud alert. Please have Experian, XXXX, and XXXX  remove fraud alerts, immediately. Thanks
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2024-03-19
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)

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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX 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 2022-11-08
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: Experian Information Solutions Inc. (PA)

I am writing this complaint yet again on my own accord with no help of any credit repair company or anyone else 's assistance. On XX/XX/22 I submitted a complaint with the CFPB ( Complaint # XXXX ) reporting the credit bureaus for reporting false credit report information which drastically hurting my credit report and is stopping me from owning a home. 

In accordance with the Fair Credit Reporting Act my rights are being violated. I sent a letter to Experian on XX/XX/22. Its been well over 30 days, and I haven't recieved anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) the credit bureaus have 30 days t orespond to my dispute. This is a violation of my rights.
Consumer complaint received 2023-01-25
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)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX  XXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX XXXX {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-08
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. (PA)

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On behalf of XXXX XXXX XXXX for Insurance underwriting On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX  NJ XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies 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