davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
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. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant apply for credit, my ability to apply for credit is tainted.
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I began a consumer credit transaction at XXXX XXXX XXXX. Upon my consumer credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction on XX/XX/XXXX my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission. On XX/XX/XXXX when I initially made a cash down payment of {$4000.00} and also on XXXX of {$4200.00}. XXXX XXXX ( sales rep ) that I work with advertise to me on XXXX and XXXX that I had to make a down payment in order to obtain my XXXX XXXX ram XXXX. All those subsection 15 USC 1662 states, advertising of a down payment in installments says, no advertisement to aid, promote, or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. which my consumer rights were clearly violated and therefore being defrauded. In regards to subsection 15 US C 6802 a. A notice of requirement obligations with respect to disclosures of personal information. I was not made aware that I could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction furnished on my report yet it has been furnished without my consent which is technically identity fraud. Ive been stressed and struggling to provide for my family due to this unfair consumer credit transaction. I fell behind on my rent and have been evicted twice this year from being the fraud it in this transaction. Furthermore, every month that the bill comes in the mail or I receive a call from Capital one I get migraines and have nightmares due to this unlawful transaction. Ive been harassed every month XXXX Capital One calling at least XXXX or XXXX times a month telling me to pay a debt even after Ive communicated with them to stop calling. 15 USC 1692D clearly states harassment or abuse that a debt collector may not engage in any conduct to the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have experience Ive seen in profane language, harassment by getting calls every month and being told to pay a debt.
Consumer complaint received 2022-01-10
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-10
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. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-01-10
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. (TX)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-02-22
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. (OH)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check this account ( A ). It is unacceptable to list this account as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MO)

XX/XX/XXXX XXXX called me yet again after i callrd them twice and ask that the stop harassing me when i get a check i will pay i did sent XXXX dollars that was i can afford they keep harassing i want it to stop now
Consumer complaint received 2022-01-10
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX for the amount of XXXX with the extra fees the car came to a total of amount financed XXXX I started my first payment of {$610.00} on XX/XX/XXXX. The amount paid on the vehicle is {$3700.00} making the vehicle total {$21000.00} Westlake Financial is reporting that the balance is {$24000.00} with three late payment history. Upon reading over the contract the car is a XXXXXXXX XXXX which I was told was a XXXX. I had to put a {$2500.00} down payment on the total payments I will have made after the vehicle paid off is XXXX making the total sale price XXXX. That was not properly explained to me upon purchasing this vehicle. I have been paying $ XXXX monthly. Under the truth in lending disclosure, this information was not properly explained to me I would have never used my credit for a XXXX, and paying XXXX is an enormous amount that is {$20000.00} extra I am paying on a vehicle in which the value is already depreciated. Also upon looking at the contract, three late payments are reported to the three consumer reporting agencies reporting late payments to the consumer report is not a part of the contract. This contract is fraudulent and was not explained by Westlake financial properly. I thought the car total was {$25000.00} and that was far from the truth I am aware that banks can not loan money and the money did not come from westlake financial.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

Conserve # XXXX I'm unaware of this debt of this debt. I did not receive proper notification to dispute this debt, if you believe you have supplied as such information please provided certified mail with receipt. Please remove ASAP.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MD)

The debt collection company has negatively affected and impacted my credit score and reports by submitting fraudulent claims and fraudulent statements to several credit agencies and has made multiple attempts to threaten legal action against me for a debt I have no knowledge about I have made numerous complaints and have disputed this matter to all known credit agencies this collection company is fraudulent filing and submitting false claims to the credit bureau
Consumer complaint received 2021-11-09
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. (NY)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I submitted a debt validation letter to Santander USA, requesting proof that I lawfully owe them this debt on XX/XX/XXXX. 

I gave them 21 days to respond, in which they did. In their response, they did not provide me with sufficient documentation that this debt is owed to them. I also asked for 30 days to investigate their information, with a cease and desist command so that I can investigate this information with less stress. 

This company did not honor my request and began calling again on last Tuesday. I have proof of the phone log that I am providing here as well. 

This debt has ruined my entire life, my credit and my financial status. I have had a hard time getting adequate housing due to this false and misleading information that appears on my credit reports and robs me blind each month. 

My interest rates have skyrocketed and I'm asked to place more money on housing and deposits on utility bills and other needs. 

This situation has ruined my health and has caused major stress in my life. Im afraid I will not have a place to live or even transportation, as Im in fear of not being able to transport in the way that is necessary to secure a living wage. 

I humbly requested that Santander Consumer USA provide me with adequate proof that I owe the debt, pursuant to Title 15 US Code 1692g.

I received no information that proves that any debt is owed to this company. In fact, pursuant to Pursuant to 15 U.S. Code 1692a ( 4 ) and 15 U.S Code 1602 ( g ), the documentation provided proves that I am the original creditor who has extended credit to this company. 

I have documentation that I will provide that adds up all of the dates and code violations from this misleading debt that has been placed on me as a obligation.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

This is a debt that was purchased from lvnv funding. They had no right to collect on this debt. Reason being this debt is out dated and can not be collected on and this company can't collect on it either. They have obtained my information illegally without my consent or knowledge. I would like to engage a cease and desist and do not want them to contact me via phone mail or email. No contact with me at all.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG MORTGAGE, INC (FL)

Good afternoon, on XX/XX/year> a check for {$5600.00} was sent through XXXX XXXX XXXX the financial institution CMG FINANCIAL for the payment of my mortgage. 
On XX/XX/year> I call GMC FINANCIAL because I do not see the payment reflected in my account and they tell me that I must wait for them to review the correspondence in the XXXX XXXX and be able to distribute the correspondence to each department, and I indicate that I want to send another payment corresponding to the following month and he gives me a new XXXX XXXX XXXX to send this payment of now {$2700.00}, I close the call and go out to send the second payment to the new XXXX XXXX XXXX that they told me in the call with CMG FINANCIAL. 

I waited a few days to check my account and I see that my payment of {$2700.00} appears reflected and the payment of {$5600.00} has not yet appeared. I make a call on XX/XX/year> and I am attended by operator XXXX XXXXXXXX and where it tells me that I must wait for the correspondence to be distributed and that it takes a while... not being satisfied with the answer, I call again on XX/XX/year> and operator XXXX XXXXXXXX answers me and he tells me that I must send a fax with the explanation from the XXXX that I sent the check until all the calls I have made to CGM FINANCIAL and that I will attach a copy of the check and a copy of the shipping receipt where the tracking number of the shipment can be seen, that same day I send the fax. On XX/XX/year> I called CMG FINANCIAL again and I was attended by operator XXXX XXXXXXXX where he told me that I should call my bank to cancel the cashier 's check because the correspondence was lost, that they can not do anything and that if I want to solve the problem I must make a payment of {$5600.00} again while that correspondence appears. I told him that I could not because I did not have more money and that I needed them to solve it because that is reporting my account as late when I sent my corresponding payments to be up to date. I called my bank and my bank tells me that because it is a cashier 's check, it does not allow cancellation until 3 months after the check is issued. 
I contact you because CGM Financia is abusive and does not solve the problems of its clients, causing a serious problem with my mortgage. 
Thank you, I hope you can help me.
Consumer complaint received 2024-10-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (FL)

This omission denies me the opportunity to verify the accuracy to the debt they claim i owe. I have not been afforded the opportunity to dispute the account. This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Michael J Adams PC (TX)

On XXXX i checked my bank account and seen i was in the negative about XXXX i called my bank account and followed the process .. they had told me that a debt collector by the name of XXXX XXXX XXXX and they wed have to get in contact with that guy. We called right after on that Friday and got no answer.. Ive sent XXXX emails asking for any type of clarification and Ive gotten no answer, now its Monday and Im still down XXXX with no response from the debt XXXX.
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.
Consumer complaint received 2022-06-14
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Accounts # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 GA XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NY)

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

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (FL)

I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX