davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-07-25
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX  ( Finance ) XX/XX/2021, has violated my rights, by farming my information out resulting in multiple inquiry negatively impacting my credit report. 

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
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (GA)

On XX/XX/2022, I moved out of the XXXX XXXX Apartment complex in XXXX Florida. On XX/XX/2022 ( time stamp attatched ), I received a letter of intention to impose a claim on my security deposit for roughly XXXX dollars ( attatched ). First off all this debt was extreme, and the apartment has failed to verify it, but thats besides the point. The letter specifically stated that I had 15 days from the receipt of the letter to respond, or else they would be authorized to make a claim. Not even a week later, on XX/XX/2022 I received a phone call from a collection agency ( call log attatched ), Southern Management Systems in XXXX, saying that the debt has been sent to collections. XXXX XXXX failed to give me the 15 days to respond, and so based on their own literature was NOT authorized to send me to a collection agency or even to collect the debt in general. Even if this debt was legitimate ( which theyve yet to verify ), I was not given a chance to pay anything even if I wanted to. No invoice was sent, just the letter. I am filing this complaint because XXXX XXXX prematurely sent me to collections, and exercised unfair credit practices.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

Amount : {$170.00} My wife and I have been receiving calls from Genesis for months claiming we owe a debt from a previous landlord. We have repeatedly asked to receive a detailed bill to determine if the bill is legitimate. They have repeatedly failed to do so. Every communication has simply stated amount. 

Today ( XX/XX/14 ), the agent that call my Wife claimed she the bad credit marks would be removed if she paid immediately and they would leave us alone, then refused to send a letter stating as much in writing. She pushed for it to be sent in writing, and he eventually agreed. 

When I received a call today XX/XX/14, I explained this to the agent, he made false claims that this information had been sent by XXXX, that Genesis had to no requirement to do so. He threatened that if i didnt pay now, I would lose a lot more money, my credit would be damaged, and other veiled threats. He refused to cease after I said I would be retaining legal counsel. I was forced to hang up. 

My wife called genesis to get his employee Information so we could report his threatening behavior, and he was later identified as XXXX XXXX. 

Imediately after this call, XXXX, then proceeded to call my wife, who, had already received her call under 5 minutes before me from another agent. His voice was immediately recognizable, but he identified himself by another name. My wife was able to confirm this was the same individual during this call, which we recorded. He again refused to listen, or acknowledge that we had stated our intent to retain legal counsel. 

My wife then received a text message from Genesis immediately after that conversation. 

I feel this constituted harassment, threats, and illegal debt collection practices.
Consumer complaint received 2022-06-22
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-10-28
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)

There were creditors listed on my credit report that I had completed the debt verification process with. After having not received a response from the creditors to validate the debt I reached out to them a second time and demanded the information be sent or they discontinue reporting set information. Per the guidelines for the debt verification process. All correspondence was completed via US air mail certified. At the 45 day mark, I reached out to all three of the credit bureaus and ask them to remove the information per the FCRA guidelines for the debt verification process, Transunion refuses to remove information that has repeatedly been disputed that has been unverifiable with a creditor yet each dispute comes back as Debt verified is accurate within a day or two of the submission. If they wont respond to me in 45 days via air mail with the hopes of recovering a loss, then they clearly have not responded to the credit bureau to verify that and definitely not within 48 to 72 hour timeframe.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC  ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Consumer complaint received 2023-06-28
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. (NY)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


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
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (TX)

i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXX  XXXX  on XXXX, XXXX XXXX  on XXXX 2022, XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX  on XXXX, XXXX on XXXX 2022, XXXX XXXX  on XXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXXplease delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have sent numerous letters to XXXX/Experian reporting this bankruptcy showing on my credit that is not mine from XX/XX/2020. I have also provided a police report showing I reported said bankruptcy. They continue to report the bankruptcy. I ask for how it was verified, and they just respond saying it was verified. 

Multiple phone calls and letters with no resolution.
Consumer complaint received 2021-11-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: We Finance Inc. (CA)

XXXX XXXX XXXX has violated my consumer rights by reporting an alleged debt to the credit bureaus, This false information is now affecting the chances of me to obtaining a credit card and affecting my livelihood. I never contracted with XXXX XXXX XXXX. XXXX XXXX XXXX never contacted me. I do not owe this alleged debt
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : Consumer Relations Representative, and Legal Counsel Re : Account No. XXXX Notice : Proof of Claim Requested with Visual Inspection of Original Contract XXXX XXXX received a letter from you exactly three weeks ago with printouts which do not contain his signature. On top of that, you keep posting derogatory items on his credit. This is the final step we are taking before escalating. We need to see prints that bear his signature because with today technology anybody can create paperwork.
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-11-21
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (CA)

A sketchy letter was received on XX/XX/2021 that a debt collection company XXXX demands my mother to pay a debt amount of {$250.00} due to a company she does not own at all. No company name was given and my mom does not have any company. The website given was not secure and a complete scam. There was no clarification about the company my mother owned and their was no real address or phone number.
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/XXXX? I completed my approved mortgage loan to Caliber Homes Loans with a credit score of XXXX for a mortgage of {$200000.00}? I was paying on time never late until the hurricane Irma hit my home on XX/XX/XXXX to report to Caliber Homes Loans of damages from hurricane Irma that I had to repair. My mortgage is a FHA mortgage and qualified under the federal law for relief during this tragedy in XXXX. I followed all their instructions called for 3 months to make sure I am able to go back on my feet since they said not to pay for XXXX, XXXX, XX/XX/XXXX. However, On XX/XX/XXXX I started paying my mortgage to Caliber Homes Loans on time and they modified my payment at a higher rate at $ XXXX/mon. However, on XX/XX/XXXX I received a letter from XXXX they are my service provider which i did not understand why. On XX/XX/XXXX I learned that XXXX is a debt collector not a bank. According to my credit report Caliber Homes Loans they closed my account on XX/XX/XXXX for a loan of {$190000.00} but in my credit they never reported my payments to the credit bureau on XX/XX/XXXX- XX/XX/XXXX then on XX/XX/XXXX-XX/XX/XXXX, then reported only XX/XX/XXXX then no reported payments from XX/XX/XXXX-XX/XX/XXXX, then my account was sold XXXX in XX/XX/XXXX to XX/XX/XXXX -XX/XX/XXXX. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX from XXXX that they have my account now for a loan of XXXX starting on XX/XX/XXXX bought from XXXX. XXXX did not report my payments for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Meaning I was paying on time which I can prove in my back statements from those dates Caliber Homes Loans hold about {$1300.00} of 5 months of {$6600.00} then sold my account to XXXX then XXXX did the same kept 6 months of {$7900.00} then now they sold it to XXXX XXXX XXXX, XXXX account # XXXX to another debt collector. My Loan is protected with FHA, what happened? they have destroyed my credit from XXXX to XXXX and this is going to be a repeated cycle since they claim I did not pay my mortgage when I have from day 1 except in those 3 months in XXXX in then hurricane Irma and followed Caliber Homes Loans their steps to keep my home and mortgage. This is a scam. I asked Caliber Homes Loans in their recorded lines that I asked if I had no issues and they said no to continue until XXXX with the mortgage that I am not going to lose my home. They lied and they tricked me all of them for fraud and took advantage of me. Everything is trackable I need help. ( the numbers may be off or dates cause I don't remember all the days and numbers but the proof in in their systems and my bank statements which will prove I never missed a payment from my mortgage of course only in XXXX during the Irma incident but I was in their programs for homeowner who was dealing with hardship in those times. I have reported it to ftc.gov # XXXX on XX/XX/XXXX
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX a balance of XXXX on my credit report, open for 1 year 8 months. This account is not mine. I have called the company and disputed through the credit bureaus. I am to date a customer of XXXX as of XX/XX/XXXX. 

The XXXX XXXX XXXX I lived at this apartment complex XX/XX/XXXX to XX/XX/XXXX. Its been on my account for 3 years and 10 months I gave a 30 day notice and moved out accordingly. I received my security deposit back. I called the complex and have disputed through the credit agencies. 

XXXX XXXX XXXX open for 5 years and 6 months. I have no idea what this is or why its on my report. I dont even know how or who to contact to dispute. 

XXXX- I have several student loans through XXXX XXXX There is a delinquency report from XX/XX/XXXX to XX/XX/XXXX. 
I have always, paid my loans or put in forbearance. The accounts have been consolidated and I was told by the representative that the accounts were in good standing. Currently Im in a loan forgiveness program for nurses. I have spoke with a representative from the company and negative reporting was resolved. 

XXXX credit- Reports a 30 a day delinquency. I called the company and explained that I was ill with Covid and tried to make arrangements. The bill has been since paid and brought current.
Consumer complaint received 2020-11-21
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2022-06-22
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. (FL)

I asked the credit bureaus to do an investigation of everything on my credit report and they did The investigation and stated everything on the report was accurate I also did an thorough investigation myself and found Improper in accuracies Even after they did their report In coordinates with the fair credit report acting XXXX  account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 States also state a customer consumer agency can not furnish A report without my written Instructions
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: TransferWise Ltd (WA)

I was promised a rate when conducting a transfer US to XXXX, which was guaranteed for 3 business days, not including weekends. 

They reneged on their rate, then I was assured on the phone the difference ( ~ {$150.00} XXXX ) would be compensated and placed in my XXXXXXXX XXXX account. I was offered XXXX XXXX of " credit '' so if I use their service again, both short of the difference and not put in my account. 

I can not even speak to anyone who has any power to issue a refund or even put the compensation into my bank account.
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (MA)

Hi XXXX XXXX XXXX ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.