davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (GA)

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 XXXX XXXX XXXX and The Family Educational Rights and Privacy Act ( XXXX ). 
XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX, US DEPT OF EDXXXX : XXXX, XXXX XXXX XXXX XXXX have violated my rights. 


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.

The Family Educational Rights and Privacy Act ( FERPA )
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I applied for a credit card with a credit card issuing company, but had a freeze on my credit. The company used equifax to pull my credit score, and asked me to lift the freeze with equifax to process my application. 

I tried creating an account on equifax 's website, but the site gave me an error. My account was successfully created on the second try, but the login would not work ; it gave an error and said I should call XXXX. I waited on hold for 20 minutes, and then when someone ( XXXX XXXX answered, I explained the situation and said I needed to lift a freeze on my credit. They transferred me to another department, where I repeated the experience with XXXX. Then this department transferred me to another, who tried to get me to call the main number again ( This was a guy named XXXX ). 

I tried their online chat support ( XXXX XXXX, but the representative said I needed to call in to lift the freeze. She then disconnected the chat before I could explain I had already called in. 

Now I can't use equifax and I can't get a new credit card.
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

I purchased my home in XXXX of XXXX. I have never made a late payment. In XXXX, my escrow was determined based on my taxes being 6 % as a non-owner occupied. In XXXX of XXXX, a check was mailed from my escrow for my taxes in the amount of {$3700.00}. My taxes were only {$1100.00} because I am only required to pay at a 4 % rate as I do occupy the residence. I sent an email to XXXX XXXX on XX/XX/XXXX regarding the tax issue. XXXX XXXX still has my rate at 6 % and have increased my payment from {$1200.00} to {$1700.00} per month. I have been in contact with XXXX XXXX since XX/XX/XXXX and I am still trying to resolve this issue. I never speak with the same person and they always tell be " it's with the legal team in the escrow department and someone will call you in 2-3 business days ''. They never call back and it's XXXX and still unresolved. The new determined payment amount of {$1700.00} began in XX/XX/XXXX. I spoke with them and they told me to make my normal payment until this was resolved and i did that for XXXX and XXXX. They said they would waive all late fees and stop any credit reporting. they are holding my payments for the past two months in a reserve and not applying them to my account and I am now getting foreclosure notices. They have reported my mortgage to my credit file negatively affecting my credit. I don't know what to do as it's been 5 months of me trying to resolve this. Please help me.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

New Complaint! I filled a prior Complaint against Discover and this issue has arisen since then.

Firstly, in my agreement with Discover, any disputes are supposed to go to arbitration, which I requested and Discover has not done.

Next, I got a letter from Discover telling me if I made the minimum monthly payment timely, 3 months in a row. which I did they would consider my account current which they have not.

Next, although Discover told me differently, my written agreement with Discover specifically provides if I am not satisfied with a purchase made with my card, Discover will protect me! 
I didn't know when I filled the previous Complaint, but the Company where the purchase was made, XXXX XXXX, in an administrative proceeding with the State of Michigan Secretary of State, arising out of this purchase committed fraud when they told the State I received documents required by State law on XX/XX/2018, when factually in violation of State law I didn't receive the required documents for almost a month after that date, a violation of State law, and evidence why the sale was fraudulent. 
Therefore, under my agreement with Discover, I am disatisfied with purchase I now have evidence was fraudulent and under my agreement with Discover I am unhappy with fraudulent purchase I made with my Discover Card, which Discover should reimburse me for under my written agreement with Discover.
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Debt Management Solutions, LLC (NY)

I was contacted at my work number by a man name XXXX XXXX, ( legal name XXXX XXXX XXXX ) working for Nationwide Debt Management. He started off the conversation by not announcing who he was or why he was calling, just that he was looking for a program coordinator and/or the highest person he could get to that worked for my agency. When I asked what it was regarding he said I need to get information about `` XXXX '' ( my maiden name ). At which point I said, well you are speaking to her what can I help you with. That's when the rant started about how I am XXXX  and I owe him money and I need to pay up. That he was going to call the surgeons company I worked for and sue them, take me to court. Call my boss ( XXXX ), and get my information to provide to the court system to garnish my wages. Told me I had plenty of time to take care of this and now because I refuse to make a payment arrangement with him on the phone he is going to take me for everything I am worth and garnish everything. I asked him to stop threatening me and he stated : " I am not threatening you, I'm making you accountable for not paying for more than 2 years on a debt you own and if you don't I will take you to court and sue you for the money. '' At this point I told him I would take down his information and give him a call back when I was in a more private area and he stated : " I know you are not going to call me back because you don't answer your phone calls and you don't pay your bills so why would you call me back. '' I stated to him, well if he wasn't so rude maybe this conversation would go a lot longer, but at any rate give me the phone number. I sat in silence. He then stated ya know the least you could do is acknowledge when I talk to you because a normal human being would do so. I stated : please give me your phone number. He stated : Why, you're not going to call me back, you can't just take care of this now? I then asked for his supervisor. He stated : His name is XXXX XXXX with a XXXX degree. I said and what is your name? He said XXXX XXXX with a XXXX  degree. I said that has nothing to do with anything may I speak to your supervisor. He again stated : I have a XXXX degree, that's right, a XXXX degree and you have nothing and you need to pay your debt. I said ya know what, put someone else on the phone because I'm done talking to you. He said I will give you to XXXX  and she can set up a payment arrangement with you. I said fine and he transferred me to XXXX, whose customer service was better but unwilling to work with me to set up a payment plan. I asked XXXX  to have a supervisor call me and she brushed me off. Then when I told her what I could afford and what I was wiling to do, she told me it was not good enough and that she was going to go after my husband. I said I'll do you one better, and put him on the phone. He and she worked out a payment plan and I still have not heard from any supervisor of XXXX XXXX XXXX.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TN)

I contacted the Ability recovery inc XX/XX/2023 at around XXXX on a Wednesday this company has a collection on my credit for {$790.00} that I was not aware of when called I went thru prompts to speak with someone which was not easy they don't tell you to press XXXX but I figured that part out and when I did speak to a woman she asked me for my social security number to confirm a account I had no knowledge of I refused to give her my ssn because why would I give my social to someone I don't know or heard of ... I asked the lady who can I speak to who was the company she's collecting debt for she asked me for a account number I expressed I dont know the original creditor to have account number she got snappy and said I need a social security number or account number or she couldn't help me and I do not have an account number because I'm not aware of this company as I expressed to the woman and I was not going to give somebody I do not know or have done business with my social security number especially after she couldn't tell me the company she was a collector for if it is a legit company she could tell me what company she has a collection contract with im aware ppl have more than one but she was not making me feel ease with her responses or she could at least just took my name and my date of birth to find whatever it was that they had on me if they had anything on me so I feel this a scam because I've never received anything in the mail from this company a bill a letter nothing even from the original creditor so to get further help with the matter I asked the lady that I was speaking to to transfer me over to a supervisor or manager so I can see what this is posted on my credit as a collection and the lady stated to me that she was the manager and the owner and that was another red flag to me for a company that's supposed to be a collection agency the first person that I speak to on the phone is the owner and the manager it just didn't make no sense overall the lady was rude and I have no acknowledged of this collection its hurting my score and I just discovered all this trying purchase my first home my credit report didn't have telephone number on the original creditor so I XXXX them and look them up and to my surprise I seen it was a lot of people all over the world have reported this company for putting false information on their credit and I'm just hoping that I'm not one of those victims
Consumer complaint received 2023-07-26
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. (NC)

This complaint pertains to XXXX and the Consumer Reporting Agencies ( CRAs ) XXXX, XXXX, and TransUnion. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, XXXX, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities. 

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to XXXX and the CRAs ( XXXX, XXXX, and TransUnion ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered emotional distress, insomnia, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to XXXX and the CRAs for your reference.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2019-01-16
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)

When checking Experian, I saw my credit score dropped due to an unpaid balance of {$3000.00} on a XXXX account. I have one chase account that is paid off. Once I made a dispute claiming this was fraud and not my account, then removed it from records. I, then, received an email updating my credit score dropping an additional 18 points. This account has drastically reduced my credit score and I promise myself in having a very good score. Please advice as XXXX nor Experian will assist.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

Once again Im not liable for this debt that you say I owe, You have not showed a direct contract with the financial intitution that says you are authorized to collect for them you are just showing that you bought a debt this does not makes me liable to a third party company this is not a contract. This was a charged off account and is considered income and income can not be reported in a credit report because it turned to a certificate of indebtness. So let me know if they comitted securities fraud or you are violating my rights under 15 usc 1681b because i have never authorized you to furnish your tradeline to my credit report also you dont meet any circumstances to furnish information.
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

As I have stated, I have no knowledge of the account and do not claim ownership of the debt in question, in spite of the documents the company has enclosed. In response to my initial letter to the company disputing the validity of the account, I received a notice threatening to sue me for a balance I do not owe on an account that does not belong to me. 

I have a fraud alert on my credit report, which has been in place since 2017. Since then, unfortunately, my name, address, SSN, and other identifying information have been compromised numerous times. 

Again, I have no knowledge of this account. During my initial dispute with the credit bureaus, this item was removed from my credit report as the account. Months later, it repopulated and I was never given any information regarding why it was being reported again. I have filed another dispute with all three major credit bureaus, as per the Fair Debt Collection Practices Act : 809. Validation of Debts and Fair Credit Reporting Act : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. As such, again, I am requesting that this account be deleted from my credit report immediately as the account is not mine and due to non-compliance.
Consumer complaint received 2023-07-26
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. (TX)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-31
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. (SC)

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.

The letters are stated with items and issues.

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 2023-08-01
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. (FL)

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 2019-05-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.