davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I I did not give TransUnion my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which permission to furnish this information onto constitutes as fraudulent activity and is also a serious breach of my privacy rights. To Whom it May Concern ; This is about the Consumer Credit Transaction initiated on date with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) The term document means any information in any form ''. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above definition Consumer Credit Transactions, without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated 3rd parties ( i.e TransUnion, XXXX, XXXX ) According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personal identifiable financial information Therefore, as per the literal interpretation, the organization name TransUnion XXXX and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization name TransUnion, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA the ( Fair Credit Report Act ). Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that is the Company wants to communicate other information amongst persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer should be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.
Consumer complaint received 2022-04-24
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. (NV)

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.

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. 

XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX Card - Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX - Inquiry date XX/XX/XXXX XXXX Auto - Inquiry date XX/XX/XXXX XXXX XXXX  - Inquiry date XX/XX/XXXX XXXX XXXXXXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-12
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. (FL)

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 items 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 the following items : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX FXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to XXXX on XX/XX/2022 by telephone ( XXXX ) I was unable to speak with any live person. I then mailed a letter on XX/XX/2022 with an FTC Identity Theft Report attached stating that I was a victim of Identity Theft and asked the company to please delete the following inquiries because they are violating The Fair Credit Reporting Act block of information section. 15USC 1681C-2 which states these inquiries must be deleted within 4 days of receipt of my identity Theft report. 

I have received a response BY EMAIL from XXXX stating that they added an extended Fraud Victim Alert to my report which will stay for 7 years. I did not consent to this alert being placed on my consumer report. The company never complied to my request to have the Hard Inquiries removed. I have not been valued and treated fairly. This company is doing whatever they want, and this is unacceptable.
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

XX/XX/XXXX I called credit acceptance company and told them I couldnt make payments anymore and they could come repossess the vehicle. I let them know I was relocating out of state in XXXX and would like it taken care of by then. I made multiple calls back in between XXXX to XXXX for them to pick up the vehicle. On XX/XX/XXXX I received a confirmation call the the vehicle had been reposted from the driveway of my old home. I had already moved at this point. My credit report was updated the following month showing it as a closed settled account. It sat there as a closed settled account until XX/XX/XXXX when it randomly showed up as an active loan with missed payments on my credit report. I have contacted the company and they are now stating they we never repossessed the car. They claim it never showed as settled. This is incredibly frustrating and illegal.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX has been reporting misleading, inaccurate, inconsistent and unverifiable information on my TransUnion credit report. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners TransUnion credit report as well. Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. TransUnion continues to report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. There are several pieces of information that XXXX is reporting are different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. XXXX as well as TransUnion seem incapable of or unwilling to resolve our disputes. They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This only is a violation of Federal laws. XXXX is using abusive, deceptive and unfair debt collection practices. I have contacted XXXX and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. We feel that TransUnion willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause mental anguish, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and TransUnion. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2021-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 47 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX Balance : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} - he creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

LVNV FUNDING LLC XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc (NE)

The collection company National Service Bureau is reporting a fraud account in the amount of {$1600.00}. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a fraud account and needs to be removed from my credit report immediately.
Consumer complaint received 2022-04-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (FL)

I'm suppose to close on a pre-construction home some time in XXXX. I signed the contract disclosures on XX/XX/2022 and on XX/XX/2022 I asked my loan officer if I can lock in my interest rate at which time it was 3 %. I was told by the loan officer that I wasn't able to lock in yet, but when I went back to read the Interest Rate Disclosure I noticed that there's no time frame to lock in my rate and on the contrary it states that any time I'm ready I'm suppose to advise my lender when I would like to lock my rate. I was denied that opportunity with no explanation or options given and I feel that the Interest Rate Disclosure has been breached, it contradicts our agreement and breaks it. I tried to explain the situation to my loan officer but was told that there's nothing they can do and I would have to accept todays higher rate. Furthermore, I requested to speak with a supervisor to see if they were able to help in this matter, I was told I would receive a call but haven't heard anything yet.
Consumer complaint received 2022-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (WI)

1 of 1 Credit Credit Monitoring Alert Negative Account Change Creditor ALLIANCE COLLECTION AG XXXX XXXX ( XXXX ) XXXX Contact Address XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX company never sent me anything at all just states i have debt straight to credit angencies.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have identified information on my credit report that is a result of identity theft. These items are not related to any transactions completed by me. 

XXXX XXXX XXXXXXXX XX/XX/2019 XXXX XXXX XXXX XXXX I have expressed this concern verbally and orally to the reporting agency over 30 days ago.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

i recently sent a letter to the Portfolio Recovery associates llc and in That letter i asked for copies the original relationship documents from origional creditor that show my wet signature of consent to sell the alleged debt to a third party, and if a document does exist than i would like a copy also and i still havent received any copies for three months which is a violation of the FDCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Consumer complaint received 2022-04-24
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: Continental Finance Company, LLC (FL)

On XX/XX/2022, XXXX Continental Finance Conmpany LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Consumer complaint received 2023-06-12
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. (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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$13000.00}.
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accredited Collection Service, Inc. (NE)

I had been on a payment plan with XXXX  XXXX in XXXX, XXXX paying what I could on several ER visits XXXX XXXX, etc. My bank information was on file with permission to draft monthly. I lost my job due to my health condition in XXXX of XXXX and had increased medical bills without income and had to lower the amount I was paying XXXX  XXXX. In XXXX of XXXX I regained employment and began to address bills that were past due or payments were lower than the minimum. I couldnt keep up as I was still in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX the XXXX  XXXX XXXX went to Accredited Collection Service , INC . When a rep would call I would request what amount and services were provided? I was told to open my mail and the rep would review the address on file. I asked the minimum payment to begin paying the debt. I was told by Accredited Collection Service, INC. each time a rep called the same line. No payment would be accepted other than the total amount due or an attorney would be contacted and I would be responsible for those fees as well. I do not have access to {$1900.00} to pay the medical bill in full. I explained this each time. I also explained I could pay monthly {$100.00}. I was told I could not pay any partial amount other than the full amount due. At my home a sheriff delivered a summons indicating I am being sued by Accredited Collection Service , INC. on Saturday, XX/XX/XXXX. I have since received mail from local attorneys citing each has found the suit and offers their services. I dont think the practices of Accredited Collection Service, INC. are sound or ethical. If I would have been well I could have qualified for assistance with XXXX  XXXX. If any other debt collector I could pay payments. Coming up with $ XXXX or go to court is absurd.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over XXXX days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within XXXX days gives a reason to quickly remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the Equifax data breach and may have got into the hands of the wrong person.