davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (WA)

XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX Has violated my rights. 
15USC 1681 Section 602A. StatesI have the right to privacy.

15 USC 1681 Section 604A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section.

States : No consumer reporting agency may make any consumer report containing any of the following items of information. Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXXXXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

# XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

# XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/2022.
Consumer complaint received 2022-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc (ND)

Affirm Inc My 3 unpaid accounts were XXXX  in a bankruptcy that was filed XX/XX/XXXX and XXXX XX/XX/XXXX I got this email today Hi XXXX, This is an informational update about Loan XXXX. You don't need to do anything right now. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX acquired your loan, with an unpaid balance of {$160.00}, including principal and accrued interest ( if applicable ). XXXX XXXX XXXX XXXX XXXX now owns your loan and may contact you either directly or through an affiliate or third-party servicer. 
Heres the contact information for XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX MN XXXX To learn more about why your loan was transferred, visit the Affirm Help Center. If you have any questions about your loan repayment, please contact XXXX XXXX XXXX XXXX XXXX at XXXX. 
Regards, Affirm This message is for informational purposes only. It is NOT an attempt to collect a debt. You are not required to take any action at this time in response to this notice. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I logged in to my account to see that I have 3 loans in collection, 3 loans that were XXXX in the bankruptcy. I called to discuss it with them and they said since the email states its for informational purposes only and that they are not attempting to collect a debt, that they are following the law. I'm not a lawyer but I don't think they can sell a XXXX debt to a collection agency. 
I contacted XXXX XXXX XXXX as well and they said there's nothing they can do.
Consumer complaint received 2022-12-21
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)

Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
XXXX Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/2022.
Consumer complaint received 2022-12-21
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. (VA)

XXXX XXXX XXXX XXXX XXXXXXXX does not have the authority to report personal information to any third parties. All consumer reporting agencies with this information have violated the Privacy Act and Title 15 USC 1681 ( a ) ( 4 )
Consumer complaint received 2022-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (CT)

As explained in numerous prior CFPB complaints against Avant, funds from approved loan in amount of {$6800.00} never received, appear to be deposited into incorrect account, which Avant tries to refer as fraudulent. It appears Avant is doing so in order to possibly recover funds via fraud claim for insurance purposes, however, I can not confirm this. Partial payments were made on loan, then ceased due to non-receipt and extortionate interest rate which if paid, would double loan amount in total, do not have terms available to provide exact amount ( s ) ... ..Avant replied to this issue by referring to prior communication made with them, which has nothing to do with non-receipt of funds. The account is now supposedly charged off to XXXX XXXX, in which case, they have not contacted me about account, have not sent me any notice. Previously, I offered to settle account with partial payments made, it appears Avant refuses to accept offer, in which case, no additional payments will be made. I've attempted to contact XXXX XXXX to prove information including non-receipt of funds, there appears to be no number or address for them, possibly internal collections for Avant ... As stated in prior complaints, I have been unable to confirm if account is still reported to credit bureaus, do not have credit file available. If reported, i request Avant remove account, if not, it will fall off after XXXX years.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
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: CREDIT ACCEPTANCE CORPORATION (MA)

I am a Massachusetts Resident. The MA Attorney General Has Sued Credit Acceptance Corp, which informed me that the loan company is current committing a criminal act by charging a MA residency over XXXX XXXX for an auto. This is XXXX XXXX. I have reached out to XXXX  on XX/XX/2022 to submit a payoff payment to end this illegal contract with Registered mail Number RE XXXX XXXX XXXX XXXX, XXXX, no response, I sent another letter to them on XX/XX/2022 Certified mail : XXXX XXXX XXXX XXXX XXXX incase there were some type of error. Again, no response, I used a Notary as a witness to the transaction and sent the final letter on XX/XX/2022. Again no response. This corporation is Boldly Violating a multitude of laws that was developed to prevent this very situation right here. Credit Acceptance is not following the Truth and Lending Act, they are not follow Generally Acceptance Accounting Principles, and they have violated Massachusetts General Laws : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX. 

I have also reach out to XXXX XXXX XXXX the Chief Legal Officer on XX/XX/2022,
Consumer complaint received 2020-01-12
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)

Equifax lied to me they took off my bankruptcy, but still on my report! Other credit bureaus deleted them! Plus Equifax compromise my report.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX finance ), 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 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX finance ), 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 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To Transunion, XXXX, and XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, and I haven't received any response from the 3 credit bureaus listed above.
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2022-12-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

adding to my complaint - Complaint Number XXXX I have asked that all Medical Reported Debt be removed from my credit report - Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. 

Such as XXXX XXXX XXXX for {$1200.00} XXXX XXXX XXXX for {$9100.00} Also All student Loans - Related to XXXX XXXX need to be removed as well ( See Letter attached )
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DIRECMANAGEMENT, INC. (AL)

XXXX of XXXX XXXX XXXX XXXX threaten to damage my credit by falsely accusing that i still owe rent on the unit she ordered me to vacate due to a rat infestation that she accused me of causing. This bogus collections is a result of retaliation from her after I repeatedly asked her to hire an exterminator to eradicate the problem, she instead send maintenance man to set traps, we caught 12 rats and they keep coming. I had had enough and called the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to inspect the unit and they determined I did not cause this issue. After she received a call from them, she then told me to vacate the property in 7 days, when I only had 1 month left of my lease, I had no where to go but I left only to notice that she then empowered Direc Management Inc to report that I owe {$1500.00} on my credit report since. I do not owe this debt, this is a bogus collections, I have put this statement on my credit reports. I have reached out to them without any resolve.
Consumer complaint received 2022-11-28
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. (OH)

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. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (GA)

Chrysler Capital approved me for a {$48000.00} auto loan. After luring me in with the high approval amount, Chrysler Capital collected my information and sold/shared it with third parties such as Santander without my written consent. 

They later decreased my loan amount by almost {$20000.00}. They now had my information, and I had less than XXXX grand to spend on a vehicle. 

Things got dramatically worse after the underwriter later determined that I would now be required to pay them a {$1000.00} cash down payment in order to be approved for the auto loan. On XX/XX/XXXX at approximately XXXX an alleged underwriter at Santander/Chrysler Capital told me in plain words that the {$1000.00} cash down payment is not required for all customers, but I do - This is discrimination and a violation of federal law.

- 15 U.S. Code 1662 - Advertising of downpayments & installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

( Pub. L. 90-321, title I, 5142, May 29, 1968, 82 Stat. 158. ) - 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

On XX/XX/XXXX, I made a payment over the phone with an representative from Carrington Mortgage Services. I was later informed by mail that the payment was not processed and was rejected by my bank despite funds available in my account. On XX/XX/XXXX, I paid {$11000.00} to Carrington via western union per the instructions on a letter I received from Carrington. The total amount paid was sent in 3 subsequent payments due to a transfer limit capping at {$5000.00}. In total, I sent {$5000.00} tracking # XXXX ( XX/XX/XXXX XXXX ) {$5000.00} tracking # XXXX ( XX/XX/XXXX XXXX ) {$1900.00} tracking # XXXX ( XX/XX/XXXX XXXX ) I was sent certified mail from Carrington about my mortgage not being paid on serval occasions. I called them to inquire why my account had not been updated and was told they didnt receive one of the {$5000.00} payments. They couldnt tell me why or where it was. XXXX XXXX confirmed they accepted it. Today, XX/XX/XXXX I received a text stating the payment posted to my account. Nobody can tell me why it took 20 days and what happened to those funds. I feel like they are negligently handling my account and its causing me stress. They should be accountable and yet they have no answers. I dont think their business practice are in sync with the law and would like this audited. They should not be sending me certified mailed about being behind on payments when they were given payment nearly XXXX weeks prior. Late fees imposed, negative reporting to credit agencies. This isnt right.