davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (GA)

SOURCE RECEIVABLES MNG. has been and is still constantly tarnishing my reputation, negatively effecting my business arrangements, and invading my privacy all through my consumer credit report. This is an ongoing battle in my life despite the fact that SOURCE RECEIVABLES MNG and I NEVER even had a contract ; I NEVER consented to do business with SOURCE RECEIVABLES MNG. Therefore, it is unlawful for SOURCE RECEIVABLES MNG. to collect on this alleged debt & that means they should have NEVER been able to have this type of crippling impact on my life. I have previously filed a complaint against XXXX XXXX XXXX, whom removed this SAME COLLECTION from my credit report with all 3 Credit Bureaus, and sold my information to SOURCE RECEIVABLES MNG, whom are currently listed on my credit report as a collection. XXXX XXXX XXXX, has since been REMOVED from my Credit Report. They responded by attaching an evidence of indebtedness with XXXX as the original creditor. I never gave consent for XXXX to sell or furnish any of my personal information! My life is at a halt right now because I am being oppressed by these criminal and fraudulent acts being executed by the two parties. These two parties are knowingly and willingly breaking laws and violating codes of the United States. XXXX knows that the alleged debt arising from this consumer credit transaction was paid in full in accordance with the law.. 16 cfr 433.1, 16 cfr 433.2.. In nexus with this account ( an account that should been in accordance with 12 cfr 1002.2 ( a ), I gave a negotiable instrument per UCC 3-104 ( b ) so for XXXX  to continue to try to collect further payment from me, the consumer and debtor, proceeding that is unlawful ; Them reporting negatively to other parties about me is unlawful ; Them calling me or my account " delinquent '' is them implicating that I, the consumer, did something disgraceful and is in turn, a violation of 15 usc 1692e ( 7 ). They know they are reporting false information ; 15 usc 1692e ( 8 ) .. For them to continuously use a false representation and deceptive mean to collect or attempt to collect any debt from a consumer is a blatant violation of 15 usc 1692e ( 10 ). A complaint has also been made with the FTC regarding this account and debt collectors.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Transunion has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-14
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: Convergent Resources, Inc. (NY)

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

15 U.S.C 1681SECTION 602 A. States i have the right to privacy.

15 U.S.C 1681SECTION 602 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 2022-09-14
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. (GA)

As I know and as you, Transunion, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries and Accounts have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-08-16
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (MN)

I attended XXXX XXXX XXXX ( XXXX ) from XXXX to XXXX. Upon graduation, the only jobs I could get were minimum wage jobs and my student loans payments were more than I could afford to pay. I refinances my loans with a company called XXXX XXXX XXXX which did not satisfactorily explain that refinancing would make my loans fully private, limiting my eligibility for federal student loan protections. XXXX XXXX XXXX has since gone out of business and the note was transferred to American Education Services which had managed my direct FFELP loans which remained federal loans. They list the loan as being owned by XXXX XXXX  XXXX and the school is incorrectly listed as the XXXX XXXX XXXX and not XXXX. 

This year, XXXX was listed as one of the schools implicated in the Sweet v. Cardona lawsuit which stated that implicated schools engaged in misleading recruitment practices, and fraudulent misconduct. Students who attended XXXX and did not refinance their loans will receive debt forgiveness. Because I made my loans private, I will have to pay back {$68000.00} ( principle ) on a loan with an original balance of {$52000.00}. The difference owes entirely to compounding interest with a current rate of 9.2 % Because this loan is now private, I will not receive loan forgiveness under the Sweet v/ Cardona lawsuit. It is my contention that if the original loan was based on fraudulent and misleading recruitment tactics, any transfer of the loan to a private entity is also invalid and the loan should also be forgiven. 

I am going to be XXXX XXXX XXXX on XX/XX/XXXX. My student loan balance is four times greater than my 401 ( k ) savings. If I am unable to receive forgiveness of this loan, I will likely face garnishment of my Social Security. So this outstanding loan has the potential to impose a significant negative impact on retirement. 

Furthermore, I was diagnosed with XXXX XXXX XXXX XXXX in XXXX of this year. Therefore, I will only find it increasingly difficult to make payments on this loan given the medical bills I will incur over the remainder of my lifespan. 

I can seek to have this loan discharged in bankruptcy if I am able to prove undue hardship. However, the implications of bankruptcy on my financial well-being would be significant and would last for up to 10 years. It hardly seems fair that I should be further punished by bankruptcy to unburden myself of a loan that was fraudulent, to begin with. 

I have always remained current with this loan and never entered into default. I made payments when possible and received deferment or forbearance when needed due to economic hardhsip or being in graduate school. 

XXXX loans are intended to lift people up. Attending XXXX XXXX XXXX was the bigget mistake of my life. Refinancing the loans with Loan-to-Learn/XXXX  was the 2nd biggest.
Consumer complaint received 2022-09-14
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. (CA)

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 'XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - In accordance with the fair credit reporting act 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.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CO)

JEFFERSON CAPITAL LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : XXXX Dear Jefferson Capital LLC , I am writing to you regarding a debt you claim I owe, which is listed under the above-referenced account number. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and in particular, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that you provide validation of the debt in question.

To validate this debt, I request the following information : 1. Proof of the Original Creditor Please provide documentation that shows the full name, address, and contact information of the original creditor, as well as the full accounting of the debt.

2. Assignment Contract Provide a copy of the assignment or transfer agreement that demonstrates your legal right to collect on this debt. I want to verify the chain of ownership to ensure that the debt was properly assigned to you for collection.

3. Account Balance and Breakdown Please provide a detailed breakdown of the current balance of this debt, including the amount of the original debt, interest, fees, and any other charges that have been added to the account.

4. Applicable Statutes and Verification Please confirm the legal basis under which this debt can be collected and provide references to the specific state or federal laws governing this collection, including the statute of limitations applicable to the debt.

5. Verification of Reporting to Credit Bureaus Confirm whether this debt has been reported to any credit reporting agencies. If so, provide the dates it was reported and to which agencies. Under the FCRA, 15 U.S.C. 1681, inaccurate or unverifiable information must be corrected or removed.

Until this debt is validated as per my rights under federal law, I request that you cease all collection activity, including reporting this debt to any credit reporting agencies.

Please note that I will only communicate further about this matter in writing. Additionally, if you can not provide the documentation requested, you are required to cease collection activities and remove any negative credit reporting associated with this debt.

Thank you for your prompt attention to this matter. I look forward to your response within 30 days of receipt of this letter, as required by law.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

I checked my credit karma a year ago and seen that I owe Capstone Credit & Collections {$5100.00} for the original creator name XXXX XXXX XXXX XXXX  XXXX I XXXX the creator and these are apartments in my city. For starters Ive never had an apartment Im XXXX XXXX XXXX. Second I was able to access a site a year ago that gives me a full credit report and I seen on there the year that account was opened was between XXXX, one of the four Im not sure what site that was to go back and check but between those years I was between the ages of XXXX and I believe in Florida you have to be 18 and older to rent or lease or own anything. Also Ive lived with my grandmother my entire life and those addresses should be documented several places like school, doctors office, mail, and more systems I can even provide you guys with all of the addresses Ive stayed at in my life. Ive never known anything about credit until I turned XXXX thats when I began to check to see hows mine doing just to find out theres debt that could possibly effect me and my wants and needs because someone used my identity for their wants and needs and thats not fair. I contacted Capstone collections directly I even sent a written letter to them and I was trying to follow up with them throughout the entire process and there was a lady that I spoke with that was being rude the entire call when I was asking questions she told me You know where this comes from and hung up in my face I was very shocked because thats very rude to tell me I know something my that I dont know anything about so I made a police report so they could investigate and get to the bottom of it but nothing else happened after that so I gave up for a while until I realized that false debt will affect me Im XXXX and still learning a lot of stuff. I also contacted the credit bureaus thats who gave me the number and site to report the debt and here I am now looking for helpful solutions. I believe this collection needs to be removed from my account because it is false and I can provide you guys with any information you may need to further assist me. Thank you
Consumer complaint received 2024-09-23
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX {$770.00} XXXX XXXX {$0.00} Charge Off : XXXX XXXX XXXX  XXXX {$4400.00} Late Open : XXXX XXXX {$0.00}
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (IL)

I received notice that you verified certain items on my credit report from the following companies. 

Bankruptcy verified via ( XXXX XXXX XXXX XXXX US FED COURTHOUSE ) Please tell me how you did that. Who did you talk to as the original furnisher? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tell me exactly how you verified this Bankruptcy and include the full name of the person you spoke with. I also went to the courthouse and asked about this credit reporting matter. Courts responded with a letter I have submitted. 

15 USC 1681i ( A5 ) STATE THAT AFTER THE INVESTIGATION. ALL OF UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. 

Also, I have disputed this Bankruptcy several times with EquiFax since XXXX XXXX after XXXX sent me a confirmation letter stating XXXX could NOT VERIFIED Bankruptcy and removed Bankruptcy from XXXX database. Dont provide the generic 10 years response ; of how long a Bankruptcy stays on file I am aware. Tell me specifically what steps and methods that were used in your investigation that allows Equifax to continually state Bankruptcy is verified through XXXX and or COURTHOUSE. 

Supply your response within 15 days or delete the public record. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on This agency is in violation of 15 USC 91692g. They were to notify me of this in writing 5 days prior, I was not notitied. As the original creditor. only I can validate this debt. I do not validate this debt. Therefore. the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Reporting Act [ 15 USC {$1600.00} ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC {$1600.00} ( g ), " credit card is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes vour social security card, driver 's license ID, and license plate credit cards that are were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards Consumer credit agent XXXX XXXX XXXX XXXX