davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 I mailed Transunion a certified letter with the tracking number # XXXX through the USPS. 

In my letter I made them aware of the following : they were violating my rights Pursuant to 15 USC 1681 ( a ) ( 4 ) under the Fair Credit Reporting Act by treating me unfairly and partial when furnishing transactions to my consumer report without consulting with me as to whether or not the transactions actually took place.

Transunion also violated my rights Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by furnishing transactions to my consumer report which contain information solely as to transactions or experiences between me ( the consumer ) and the person making the report to them.

Transunion again violated my rights Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) by not giving me the opportunity to deny this information be communicated on my consumer report before placing it in my consumer report.

Yet again Transunion violated my rights Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) by furnishing transactions to my consumer report whose authorization or approval were of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I included in my certified letter a copy of my consumer report furnished by Transunion with all transactions that violated my rights highlighted. I also included a copy of how Congress defines the term credit card under 15 USC 1602 ( l ).
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (TX)

On XX/XX/2021, I received a robocall from XXXX ( voicemail saved ) stating that the company calling has " important document with your name and social security number attached ''. The call back number XXXX, when searched on the internet, gave no credible business information. Additional calls from the number happened throughout XXXX, XXXX, and XXXX. On XX/XX/2021, the caller identified themselves as ARS. A letter was sent to ARS XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ARS responded that it was not them calling. Additional calls from XXXX were received ( voicemails saved ). All were robocalls. In total, I received 11 robocalls. Finally, it was determined that ARS was Atlantic Recovery Solutions ( XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ). A certified letter was sent to Atlantic Recovery Solutions ( XXXX signed return receipt ). No response was received from Atlantic Recovery Solutions. 

On XX/XX/2021, Atlantic Recovery Solutions, called ( voicemail saved ) via robocall stating " This message is intended for XXXX. I am calling with the offices of ARS regarding a legal required notice that needs your immediate attention. Please call XXXX or press one to speak to a live representative. 

The company is not identifying themselves as a collection agency ; the company is using robocalling technology ; the company has repeatedly failed to correctly identify themselves and failed to respond to legally required requests.
Consumer complaint received 2023-03-24
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. (PA)

In accordance with the Fair Credit Reporting and XXXX  XXXX  Account # : XXXX has violated my right 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-02
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. (TX)

Experian is reporting lots of inaccuracies in my report. I have been sending letters to since XXXX Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120Days and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2022-05-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXX XXXXXXXX, 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 can not furnish a account without my written instructions.
Consumer complaint received 2022-08-28
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX, and XXXX XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2022-08-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There was a bankruptcy which was appearing on credit report in error I notified XXXX XXXX and XXXX and Experian of this inaccurate info from a divorce Both XXXX XXXX and XXXX investigated and removed the error I have disputed and notified Experian numerous times in writing and online dispute with no assistance or desire top report information correctly. It is apparent that Experian is deliberately reporting inaccurate erroneous information for their own financial motivation which has kept me from obtaining the best interest rates that I am legal qualify through FCRA 15 U.S.C. 1681-1681x.
Consumer complaint received 2022-08-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have previously disputed a Collection account that was added to my Experian, XXXX, and XXXX credit profiles requesting validation of the debt listed. XXXX deleted this account due to not being able to validate it. Experian and XXXX did not delete this account, stating it was valid. Neither bureau provided proof of validation as was requested. 

I have since contacted the collection agency for validation and have only received a copy of a ledger. I have notified the Collection Agency of a pending lawsuit against the organization they are collecting on behalf of as this debt is both illegal and invalid. The collection company sent me back the documentation claiming it is verification of the debt and they are refusing to remove it. I am in active litigation with the alleged creditor about this false debt and it is extremely detrimental to my lending ability.
Consumer complaint received 2023-02-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (CA)

I was trying to get a second loan to help me with my finances, since I recently retired. I got a loan approved but when the lender ordered a preliminary report it showed a lien from XXXX XXXX loans from 2006. A collection company call Real Time Solutions is telling me that they bought this loan and it is my loan! I have been telling them that I don't remember having a line of credit with XXXX ever. They sent me a deed of trust with a signature that doesn't look like my signature with no date next to the signature! Also, I just received a list of payments made to this account for about a year which I don't know who made them because I don't remember making any payments for any line of credit. 

Please help me get the problem resolved, I don't have any money to pay for an attorney to help me. 

Thank you so much for your assistance. 
XXXX XXXX
Consumer complaint received 2022-09-18
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. (AL)

According to Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer report agency can not furnish account without my written instructions.
Consumer complaint received 2022-08-29
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (MA)

I disputed the account with the company and allowed them ample amount of time and they have have failed to comply with the investigation. They have failed to adequately respond to my debt validation. 

This debt was allegedly charged off and they are still reporting that I owe them after sending me a 1099C allegedly and showing no verification with the IRS .If a 1099C is filed how are you reporting income thats FRAUD violations : 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S Code 1681b Permissible purposes of consumer reports Produce the 1099C
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : BankruptcyXXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-18
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. (SC)

Recently, I did an investigation on my credit report which cuased severe XXXX upon me and found information provided was inaccurate and questionable that your agency did not make sure it was reporting 100 % accurately. 

In accordance with the Fair Credit Reporting Act, evertyhing has to be 100 % accurate on my credit report and under 15 U.S.C 1681 Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accuratly. 
XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
No Additional Information was provided by Creditor. Creditor also Failed to show proof of ownership and debt verification in a court case. 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 consent. They have failed to provide proof to me, and proof to the courts that they own this debt or have a lawful right to collect on this debt. 

Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. No information has been provided to me personally on this debt. Also this Collection Agency has failed to provide proof of ownership of this debt. n accordance with the Fair Credit Reporting act 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 consent. There is not a contract between XXXX XXXXXXXX XXXX and I and never has been.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have submitted several disputes to the credit bureaus equivalent, XXXX and transunion. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately Im tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number XXXX.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Carvana Group, LLC (TX)

I received a offer from Carvana LLC and I accepted it for value as in ordnance with the uniform commercial code 2-206. Offer and Acceptance in Formation of Contract UCC 1-201 ( 44 ) " Value ''. Except as otherwise provided with respect to nego- tiable instruments and bank collections ( sections 28:3303, 28:4208 and 28:4209 ) a person gives " value '' for rights if he acquires them ( a ) in return for a binding commitment to extend credit or for the extension of immediately available credit whether or not drawn upon and whether or not a charge-back is provided for in the event of difficulties in collection; or ( b ) as security for or in total or partial satisfaction of a pre- existing claim ; or ( c ) by accepting delivery pursuant to a pre-existing contract for purchase ; or ( d ) generally, in return for any consideration sufficient to sup- port a simple contract. 

I also issued Carvana a receipt for allowing me to utilize the instrument for my personal, family, and household benefit after I accepted the offer and it was equal consideration offered. But now Carvana LLC is acting dishonorably, and after attempting to resolve the matter with them, I was met with rebuttal and some false and misleading information by one of your representatives XXXX and XXXX XXXX at XXXX pm, and before I was rudely treated, they threatened me that if I didn't do what they said, they would cancel the order, which would be a breach of contract, as I was explaining as prior to ARTICLE 2 OF THE UNIFORM COMMERCIAL CODE governing sales and the responses from XXXX gave the impression that she was informing me that Carvana guidelines are superior then the uniform commercial code and the laws of the United States which was very disturbing and when I asked to talk to a supervisor or someone higher she said it was going to take 24 and 48 hours and if I dont get things situated before then than the order will be canceled by CARVANA which caused me to get upset and cause emotional distress because her actions was inappropriate and if I couldnt get help than I would loose my property that I lawfully obtained thru offer and acceptance and that they are willfully keeping it away from me so I have no choice but to file this complaint to get the best help available to a consumer Let it be known that Im acting in Good Faith to get the matter resolved ALL RIGHTS RESERVED
Consumer complaint received 2022-08-29
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. (IN)

My Credit was ran when I was at a car Dealership. I never went through with doing business with the Lenders on my Credit Report. They have access to my information without my Consent. 

INQUIRES XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX LATE PAYMENTS XXXX XXXX  Late Payments 30 day XXXX 60 day - XX/XX/22
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

Short summary : Chase Bank refuses to accept a mortgage payment from a savings account at XXXX XXXX, claiming it is policy. The mailed statements provide a section to fill in the name and routing number of another institution, and select a checking or savings account! 

XX/XX/XXXX, originated a cash out refinance through XXXX Bank loan finally completed on or about XXXX XX/XX/XXXX. 

XXXX Bank then forwarded the loan to J.P. Morgan Chase for servicing. 

XXXX XX/XX/XXXX- First payment to Chase for mortgage due XXXX XX/XX/XXXX- attempted to pay mortgage online. Was given confirmation #, but did not know it was declined until about a week later. Chase would not accept payments prior to XXXX XXXX. 
XXXX XX/XX/XXXX - called Chase and paid over the phone, I stated it was a XXXX XXXX Account, gave routing and account number, was given confirmation that the payment was accepted. 
Also on XXXX XX/XX/XXXX- I logged into Chase Bank, selected to set up automatic payments, logged into XXXX  through the Chase website, chose the account to pay from ( the only account i have at XXXX  ) and appeared to have successfully set up automatic payments. 

XXXX XX/XX/XXXX- Received four items in the mail from Chase, two statements with the same due date, but different statement dates and amounts. The later statement date showing ZERO payments made, one past due. The other two items were a HUD assistance letter and a debt collection letter. 

XXXX XX/XX/XXXX- I Called Chase. After about 30 minutes on the phone I am told it is against Chase policy to accept payments from savings accounts at another bank. I ask to have the issue escalated to supervisor. Supervisor states Chase policy is not to accept ANY payments from other banks except those that are checking accounts. 

Chase has only stated this AFTER I tried paying three separate times and at no time prior had any of this been revealed. I access the Chase mortgage account via our Chase log in that we already had for a visa credit card through them. We have about two decades of excellent credit history with Chase ( again, we DID NOT choose them as a mortgage servicer ). 

BACKGROUND : Property is a single unit condo, purchased XXXX as an investment property. 
Opened a XXXX  Business Money Market account ( a type of savings account ) to keep all income and bills related to the property separate from personal accounts. 
Prior to this refinancing the mortgage, which was with XXXX XXXX, had been automatically paid every month from this same money market account. 

This is basically CHASE dictating that I set up another separate account ( which means another account that I must keep a minimum in to avoid fees ) in addition to the other problems this would incur relating funds transfer automation and payments for other operating costs.
Consumer complaint received 2022-12-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  ACCOUNT # 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.