davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
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. (CA)

sent disputes 3 times every month starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still no results in removing this account that isnt mine XXXX XXXX XXXX XXXX NEED TO BE DELETED FROM MY CREDIT REPORT ASAP
Consumer complaint received 2022-08-30
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (TN)

I just reviewed again my Equifax credit report and found that they are still reporting inaccurate and incomplete information for XXXX XXXX # XXXX and XXXX XXXX # XXXX accounts. On the XXXX XXXX account there is No Date of Last Activity, No Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete and missing large areas of data, there is No High Credit Limit, No Credit Limit, No Designation for Owner, No Actual Payment Amount, No Scheduled Payment Amount, an Incorrect Delinquency First Reported and No Close Date. All of these inaccuracies and incomplete information are FCRA Violations with monetary penalties! On the XXXX Bank account there is No Date of Last Activity, No Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete, there is No Account Balance, No Amount Past Due, No Actual Payment Amount, No Delinquency First Reported Date, No Charge Off Amount, and No Close Date. All of these absences are FCRA Violations and a clear violation of my FCRA rights. I have downloaded and attached my most current Equifax Credit Report ( XX/XX/2023 ) with all these FCRA Violations highlighted and circled. They will be used at civil court as evidence if my consumer protection attorneys move forward with this case.
Consumer complaint received 2022-08-30
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (FL)

In accordance wi the fair credit reporting act, Credit collection XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and HIPPA violation 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 an account without my written instructions
Consumer complaint received 2022-08-30
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 604A Section 2It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 USC 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 2022-08-30
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 604A Section 2It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 USC 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 2022-08-30
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 (GA)

I reached out to XXXX last week to see why they haven't reported an account that I'm a co-owner/ authorized manager of. When I called them and opted in they told me I have two accounts with them. I informed them that the only account that I had was a shared account with my husband. The lady I spoke with tried to verify the information with me and asked me my email address. When I gave her mine she told me the the email address attached to this account and other information was different and was something I NEVER heard of. From there she prompted me to talk to the Fraud department which I did and they said they would investigate it. However, after being informed of this fraudulent account, XXXX XXXX XXXX, they conducted a full research and found no fraud in under 7 days time. They also gave me a " case number '' XXXX. However this is clearly another case of Identity Theft. They have NOT sent me any information to me regarding this account even after I requested. However from calling the XXXX number I find out they have sold this Fraudulent account to Portfolio associates while it was still in dispute status. I am documenting this complaint as a record both to XXXX XXXXXXXX XXXX  and Portfolio associates that they are trying to collect on an account that is COMPLETLY FRAUDULENT. I notified authorities on XX/XX/2021 that I was a Victim of Identity theft and since then have frozen my credit and enrolled identity theft precautions with each bureau. I have also submitted this to the FTC and refuse to be charged for goods and services I've never requested nor benefited from. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. As of right now neither XXXX XXXX nor Portfolio have sent me any information regarding this Fraud account. The FCRA has rules regarding identity theft and Both companies are operating against the law.
Consumer complaint received 2022-08-30
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. (TX)

To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with XXXX financial institution. I currently have XXXX commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. XXXX 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with XXXX the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.
Consumer complaint received 2022-09-24
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 and XXXX XXXX XX/XX/2021 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 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I had a trash collection company that I contracted with by the quarter. My last quarter contracting with them was XXXX, XXXX, XXXX of XXXX  and it was paid in full. In XXXX I sent written notice to three different addresses informing them that I would not renew for the next quarter and I have contracted with another trash collecting company beginning on XX/XX/2022. The former trash company, XXXX XXXX, hasn't picked up my trash since XX/XX/2022 but they are been billing me {$84.00} for the service XX/XX/2022 through XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agent Transworld Systems Inc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-08-30
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. (MO)

I had an account with XXXX XXXX. They could never get my bill correct from the start. It was always different amounts. I switched to XXXX and got credit to pay off thge phones we were leaseing. After I switched I recieved different bills ranging from a credit of {$450.00} twice to {$1000.00}. I have called at least 10 times trying to find out which bill is correct. They can not give me any information at all. Transunion just keeps coming back with the same results that it will stay on my credit for 7 years. I know I owe them money but I doi not know how much. I Told XXXX on thwe last call that I Owe them money, but bunless they can explain all the different bills i will not pay. I told them if they want thier money to call with that information
Consumer complaint received 2022-09-24
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. (DE)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MO)

I HAVE A XXXX XXXX XXXX THRU KIA FINANCE AND I WANT TO KEEP IT. I CALLED AND TOLD THEM I WANTED TO PURCHASE THE CAR, THEY TOLD ME TO FILL OUT THE ODOMETER READING FORM, WHICH I DID. THEN ON XX/XX/XXXX I CALLED FOR THE PAY OFF AMOUNT AND THE GENTLEMEN TOLD ME WHAT IT WAS AND CHECKED TO SEE IF THE ODOMETER READING FORM WAS SUBMITTED. MY PAYMENTS WERE DUE ON THE XXXX AND THE MORNING OF THE XXXX I PAID OVER XXXX TO SETTLE THE LEASE PER THE PAY OFF QUOTE THE EVENING BEFORE. AFTER SEVERAL WEEKS I CALLED TO ASK ABOUT MY TITLE IF IT WAS MAILED OR GOING TO BE MAILED. I WAS TOLD MY PAYMENT WAS IN " SUSPENSION '' AND I NOTICED THAT ALTHOUGH I GOT AN EMAIL STATING THEY GOT THE XXXX, IT WAS NOT POSTED TO MY ACCOUNT TO CLOSE THE ACCOUNT. THEY HAD TO PUT A WORK ORDER IN TO ESCALATE IT TO THE DEPARTMENT TO CLOSE MY ACCOUNT AND TOLD ME ONCE THEY CREDITED MY ACCOUNT THAT THE TITLE WOULD GO OUT IN 7-10 DAYS. THAT WAS XXXX WEEKS AGO. I TALKED TO A MANAGER SHE LOOKED AT MY ACCOUNT AND SAID IT SHOULD ONLY BE 2-3 DAYS AND I COULD EXPEDITE IT IF I WANTED TO FEDEX IT. WHY SHOULD I PAY FOR YOUR ERROR JUST GET IT DONE PLEASE. SO A WEEK WENT WHEN BY I CALLED AGAIN ONLY TO BE TOLD HE DID NOT SEE A WORK ORDER ESCALATED AND HE WOULD HAVE TO DO ONE. HE APOLOGIZED AND I AM LIVID. I GAVE THEM XXXX AND I HAVE NO TITLE. I ASKED TO SPEAK TO A MANAGER AND SHE SAID " THE ONLY '' THING SHE COULD DO WAS SEND AN EMAIL TO THE DEPARTMENT TO CREDIT MY ACCOUNT. AGAIN NOTHING!! I CALLED MONDAY, XX/XX/XXXX TO BE TOLD THE REASON I DON'T HAVE MY TITLE IS BECAUSE MY ACCOUNT IS STILL OPENED BECAUSE I OWE PRINCIPLE OF {$130.00} ..WHATTT!!!! BECAUSE YOU PUT MY MONEY IN A SUSPENSION FILE AND IT SAT THERE MY ACCOUNT WAS PASSED DUE, PER THE ONLINE PAYMENT HISTORY AND I MAY NEED TO PAY THE PRINCIPLE IN ORDER TO CLOSE OUT THE ACCOUNT, IT IS XXXX 'S ERROR NOT MINE. JUST RECENTLY I SEE MY XXXX POSTED ON LINE AS OF XX/XX/XXXX, JUST LIKE I SAID I PAID IT. ONCE AGAIN, I WAS TOLD THEY WOULD NOTE ALL OF THIS AND SEND IT TO THE DEPARTMENT THAT CLOSES THE ACCOUNT I TOLD HIM TO ADD TO IT THAT I GOT AN EMAIL STATING THEY GOT MY MONEY XX/XX/XXXX AND MY PAYMENT HISTORY SHOWS THE MONEY WAS POSTED ON XX/XX/XXXX AND MY AMOUNT DUE IS XXXX ( XXXX ) AND NOT {$130.00}. HE TOLD ME TO CHECK BACK IN XXXX HOURS AND EITHER THEY WILL CLOSE MY ACCOUNT AND SEND OUT MY TITLE OR THE WORST SCENARIO I WILL NEED TO PAY THE PRINCIPLE DOLLARS FOR THE ACCOUNT TO CLOSE. 
I DID WAS I WAS SUPPOSE TO, WHEN I WAS SUPPOSED TO AND KIA FINANCE OF AMERICA IS HOLDING MY TITLE XXXX. 
PLEASE HELP A CONSUMER WHO PAID HER LEASE EVERY MONTH ON TIME AND JUST ASKING WHAT IT LEGALLY AND RIGHTFULLY MINE, MY TITLE, SO I CAN SHOW OWNERSHIP OF MY CAR, ONCE AND FOR ALL!!! 

XXXX XXXX
Consumer complaint received 2022-08-30
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-24
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

My loan was sold to XXXX / LoanCare. Since then, it has been a miserable and stressful experience. Payment attempts take a long time to process. The website does not show account data in a clear manner. There is little to no support and the phone system is circular, seemingly designed to avoid you from reaching a human. I keep getting calls saying i'm behind even though the site says i'm current. And because of the confusing layering of the loan owner and loan servicer its difficult to determine where to login, and you frequently have to log in to both site to mange your account. The reps are polite but unhelpful. They ask you for your XXXX several time per call. 

They make it so hard to pay them.