davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested my credit reports on https : XXXX 

TransUnion indicated they were unable to validate me online and required me to submit my request by mail, which I did. 

TransUnion responded by mail ( attached ) that I had already received a free annual credit report in the last 12 months and would have to pay an additional {$8.00}. 

It is my understanding that these reports are supposed to be free due to the pandemic : https : XXXX I need help getting TransUnion to comply and provide me my free report.
Consumer complaint received 2021-03-29
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. (CO)

I have filed disputes via US Mail with the bureaus on 3 different occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ). Not once in those 3 dispute cycles, did any of the bureaus reach out to me to even acknowledge what I was requesting them do. Because of this, I filed a complaint against them on XX/XX/XXXX ; where 2 bureaus did respond and say it was of factual record yet they still haven't mailed me a response which is required by law, so they are still not doing as they are legally obligated to do! Also, until they can provide a signed application from me, there is no " factual record '' of these inquiries. There are no open accounts on my personal credit report as a result of these nor are there signed applications.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/23 XXXX XXXX XXXX XXXX furnished a collections account onto my TransUnion credit report. XXXX failed to contact me regarding the alleged debt before furnishing this information to TransUnion. Per Regulation F : 12 CFR 1006.30, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act, information about a debt before the debt collector : i. Speaks to the consumer about the debt in person or by telephone ; or ii. Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. 

XXXX did neither. They furnished inaccurate and detrimental information to my credit report without contacting me and allowing me to dispute the information or request validation as set forth by the Consumer Financial Protection Bureau. 

TransUnion failed to properly investigate this and provide resolution. Instead, TransUnion claimed that the account was verified as accurate.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am filing this complaint because Capital One has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2020-12-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XXXX XXXX, XXXX, PORTFOLIO RECOVERY ASSOC add a derogatory marks on my credit reports per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-11
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. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-07-18
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. (TN)

In Accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX L Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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 written instructions. The listed above accounts have violated my rights and tarnished my credit history, these fraudulent accounts have been added to my credit report. I tried reaching out to the fraudulent accounts and as a result nothing has been done but they keep reporting negatively.
Consumer complaint received 2023-04-08
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. (CA)

Pursuant to the FCRA, it is TRANSUNION 's grave responsibility and duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. This includes the reporting of 120 day late payments on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681ad ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes the inaccurate late payments, resulting in TRANSUNION violating my federally protected consumer rights. To add I did not given TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is very clear that TRANSUNION has violated my federally protected consumer rights and the inaccurate credit reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

On or about XX/XX/2022 and other varies dates I have reached out to NAVY FEDERAL CREDIT UNION, Requesting copies of the documents that they are using to validate the following accounts navy federal account no : XXXX reporting on XXXX XXXX and XXXX and XXXX reporting on XXXX .... I have explained to them several times that the accounts were used Fraudulently, and that I was incarcerated when all these transactions took place, I have furnished them with documents from the UNITED STATES DEPARTMENT OF JUSTICE that proves I was incarcerated at the time these transactions took place. I also furnished them with a XXXX XXXX police report and an identity thief report. I reached out to the Credit Bureaus XXXX, and XXXX, and they explained to me that Navy federal furnished them with documents validating these accounts, and that they could not provide me with them that I would have to request them from the creditor Navy federal credit union. I HAVE REACHED OUT SEVERAL TIME REQUESTING THESE DOCUMENTS. I have not received any documents validating this account. According to the law Pursuant to federal law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information.1 ) Debt collector communication disclosure 12CFR S 100.634 ( C ) ( 1 ) ; 2 ) Debt related information 12 CFS 1006.34 ( 2 ) ( i ) - ( v ) 34 ( c ) ( 2 ) ( ix ) ; 3 ) Itemization related information 12 CFR S1006.34 ( 2 ) 9vi ) ( viii ) ; 4 ) Consumer response information ( 12CFRS 1006.34 ( C ) ( 4 ).

5 ) A copy of the originial contract with my signature for this debt.

I am simply requesting that NAVY FEDERAL abide by the law and furnish me with the documents that they used to validate these accounts.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lakeside Receivables LLC (CA)

Today as of XX/XX/2021 I received a threatening call from a credit agency representing XXXX XXXX. This is a collection agency that I previously had a payment plan with. I missed my payment last month because we had to cancel our bank card due to fraud in our account. I attempted to explain to him that I do not have a new bank card yet and we are only using cash. He became aggressive and extremely rude. I explained to him that we have suffered a hardship from Covid and we are using national debt relief to consolidate our debt. He then insulted me and said that XXXX is a fraudulent company and he continued to cut me off saying that they are going to proceed to sue my husband. I said to him that it is against the law and your continuous Robo calls are aggressive and excessive. He became very agitated and started to yell saying tell your husband to get a lawyer and you do not you deserve to work with our company. He threatened me to prepare for a lawsuit. I told him if you were nice and respectful to me I was going to work out a payment plan with you. He again raised his voice at me and said get a lawyer and then he hung up. He has been calling me the last month excessively at least 10 times a day along with holidays, early mornings, Sundays, and late at night. 
His number is XXXX Its called Lakeside on my contact In XXXX New York
Consumer complaint received 2020-12-07
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. (GA)

I applied for a credit card with XXXX  and was approved. After the terms were delivered, I declined the account and DID NOT activate the card as allowed in writing under their questionable terms. They are not only reporting this as an active and open account but they are reporting an amount owed as well. I have previously disputed this item by wire and mail with the credit reporting agencies and Milestone fraudulently confirmed its accuracy by the same means. This item continues to be reported on my credit reports.
Consumer complaint received 2020-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/2020 I sent a Debt Validation Letter to LVNV Funding for a collection notice I received in the mail about an account with a full balance of {$830.00}, today is XX/XX/2020 more than 30 days after and I have yet to receive any response back. However, I assume they did not respond as they have no validation for the debt because the collection has been deleted from my credit reports.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC. (CO)

I reached out to your company on XX/XX/XXXX in regards to the following accounts in your office : XXXX XXXX XXXX XXXX I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. Your company violated my privacy in which I am protected under HIPPA laws. You sent my medical records WITHOUT a HIPPA release form. I never gave XXXX XXXX XXXX permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. You did not provide any documents I signed signing over my HIPPA release. 

Your company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. You failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. 

I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. I will include your company as well as the credit reporting agencies in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. 







For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 



These accounts need to be deleted off my credit report expeditiously : COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX COLLECTECH DIVERSIFIED XXXX
Consumer complaint received 2022-06-15
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 Act, 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 602 ( a ) Section 2, it states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has reported late payment on my credit card for the amount of XXXX XXXX as it appears on my credit history. This has greatly damaged my credit score. I have contacted XXXX XXXX to clarify what it means to have a late payment of XXXX ( XXXX ) dollar. 
In response they told me the information is correct and that I had a late payment for XX/XX/2020. 

I've check my statements and I see that I have made payments as following XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$90.00} In XX/XX/2020 I made above the required amount, so I could not have a late payment, yet my credit history as of today show 1 missed payment in XX/XX/2020 for the credit card ending XXXX for the amount of XXXX dollar. 
I have never had any missed payment in my life and this one miss payment ruined my perfect credit history. 

This makes no sense, how can one miss a payment of XXXX dollar.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

My Equifax credit report has been blocked by Equifax since XX/XX/2022. I contacted them over a year ago and that stated all I could do was get a paper copy in the mail. Within the past month, I have contacted them three times and let them know that banks/credit unions can not pull my report. They asked for information and said allow 7-10 days. I send that information and it has been over the time limit. My credit union still can not view my credit report.
Consumer complaint received 2020-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I contacted XXXX XXXX because there are 7 hard inquiries on my credit report that I am not familiar with. I asked them to investigate this matter and they did not attempt to do so. Instead they told me to contact these companies the inquiries are based out of and do it myself. The inquiries include XXXX  XXXX XXXX XXXX, XXXX XXXX Capital One, XXXX XXXX, XXXX and XXXX XXXX. They will all likely not be able to verify my correct information so I was hoping someone could get these inquiries removed from my credit report as soon as possible as it is damaging to my credit. 

My Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX My contact phone is XXXX My Social Security and Birthdate are XXXX XX/XX/XXXX
Consumer complaint received 2020-12-07
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. (IL)

On XX/XX/2020, I initiated a dispute to the 3 main credit reporting bureaus, XXXX, XXXX, and Experian for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.
Consumer complaint received 2020-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (AZ)

The Law Firm of XXXX XXXX XXXX first sent a letter in XX/XX/2020 which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/2020 and received on XXXX. They are even deceptive in their mailings.