davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (MD)

Hello on XX/XX/2023 I sent out letter to credit bureaus to " INVESTIGATE EVERY PIECE OF INFORMATION '' on my accounts I have listed below. Also I have attached the letters I sent out and also here is the tracking number : Transunion # XXXX Experian # XXXX XXXX # XXXX According to the FRCA the Term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information.

They have stated my accounts was " VERIFIED '' but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. Also I have the credit report showing these inaccuracies. 

List of Accounts Transunion 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number:XXXX XXXX 1.XXXX  XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX 3.XXXX  XXXX Account Number : XXXX XXXX 1.XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2023-06-16
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. (WI)

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. 


Account name : XXXX XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : XX/XX/XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX Account name : DEPT OF EDUCATION/XX/XX/XXXXAccount Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

Received a letter through XXXX stating I would be sued for payment on a " debt ''. I have never heard from this company before, so the option for verification of said debt has not been allowed. The envelope also had " do not return to sender ''.
Consumer complaint received 2023-06-24
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. (CO)

I am writing to dispute the following information that appears on my consumer report : 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 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 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 Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX XXXX However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. 
Thank you for your assistance.
Consumer complaint received 2023-06-16
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: EQUIFAX, 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 15 USC 1681. 

Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2023-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IA)

XX/XX/XXXX I disputed account Jefferson capital for the amount of {$840.00} stating as date open XX/XX/XXXX because I do not recall having this account open. I have disputed asking to verify debt or delete immediately. Credit report shows that account has been disputed, but I have not been notified that account investigation has started nor have I received any sort of documents stating that account has been verified as mine. I have not heard back from bureaus or creditor. This account is not mine. For that reason I have asked to verify or delete immediately. More than 30 days have passed, and I have not heard back from anyone regarding this account.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX XXXX  XXXX placed a fraudulent account wich reported on my credit report profile 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I contacted Equifax about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : 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 I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

I rented a car with XXXX XX/XX/XXXX in XXXX, CA. The pickup time was XXXX. I was charged for the car in the class I rented ( XXXX ) and was told to wait. Hours later, they tell me all they have is an SUV. I had a large amount of miles to drive and didn't want an SUV. They told me take it or leave it. The XXXX agent also threatened to follow me home if I caused a problem ( I am not kidding ). 

I called Chase card to content the fact that they charged me for Car Class A and gave me Car Class C. I don't care if it is technically an " upgrade '' because I did NOT want a large SUV for such a long drive. Chase refused to even contest the charge. 

I demand a full credit for the charge. It is completely not what I paid for. I will also be pulling all my money out of Chase, which includes CDs, investment accounts, and family accounts. Maybe Chase should review my call with the agent who told me " well, you took it. '' That is not how you are supposed to treat customers when they are bait-and-switched by a company. Failure to credit this charge in full will be considered an admission of complicit action by Chase to ensure an inaccurate and fraudulent charge is upheld in a customer 's account.
Consumer complaint received 2023-06-08
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$140000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX
Consumer complaint received 2016-11-16
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

today I got a call at XXXX, yesterday XXXX. on XXXX XXXX. On XXXX. On XXXX XXXX. I have more records showing they consistently call XXXX times a day. They also leave multiple messages on the same day- for example I had a message at XXXX and again at XXXX which is against FDCPA
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FREEDOM FINANCIAL NETWORK (NV)

I was with Freedom Debt Relief and they were supposedly negotiating with my three creditors.

They took way too long in the negotiation process, and I should have just forgot about it and handled it on my own.

I do feel due to their tactics they helped me ruin my credit rating which I'm still to this day trying to salvage.

They supposedly negotiated with my creditors, but then in 2022 I unexpectedly received XXXX XXXX forms that I had to let the IRS know I had over XXXX in additional income from those forms causing me to have to refund half of my tax refund check back to the IRS due to those amounts the creditors had given me. 
So needless to say, I felt duped because I thought they had taken care of that for me. 
But they had no problem with giving me a loan to consolidate those balances into a nice XXXX plus in interest just like the banks were doing. So I should have stayed with the banks in the first place despite their compounding interest. 
So I'm not happy with Freedom Debt Relief and wanted this agency to know it.

My present payments are being made to Achieve now. So not sure if Freedom Debt Relief sold them the loan or what.

I am presently looking for someone else to pick up this loan at a reduced rate so I can finally get this paid off.

So I would never recommend this company to anyone and anyone I meet that's thinking about doing this I always tell them my story and ask them to really consider having their credit history wrecked and being told lies about how the process really works. 
So it just makes me feel good to mention this to you because you should be aware of what kinds of debt relief companies are out there luring us unsuspecting consumers into their services. 
I so wish that the company I would have found would have been more heavily and federally regulated so that I would not have fallen prey to these kind of tactics and told they were the norm or the standard.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing a formal complaint regarding the accuracy outdated information on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute inaccurate or outdated information on their credit reports. I have already reached out to the credit reporting agencies directly, but the corrections have not been made. Therefore, I am turning to your esteemed organization to seek assistance in resolving these issues. 

The credit report includes outdated personal information that is no longer accurate. Specifically, my current address, phone number, and employment details have been incorrectly recorded. It is crucial that this information is updated to reflect my current circumstances accurately.
Consumer complaint received 2023-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/XXXX. Apparently, a company called Midland Credit Management served papers for a wage garnishment in the amount of {$1200.00}. They served it to the company 's Board of Directors in XXXX, XXXX via email ( XXXX ). I am in XXXX. Attached was a court order that has never been seen by me and the signature on it is unrecognizable to have accepted the order. I had my identity stolen in XXXX and have been fighting issues like this ever since. The Board of Directors in XXXX  sent the paper to my company CFO ( XXXX ), also located in XXXX. No prior order was served in XXXX. The information on the order is stating the city I currently live in within TN. The Notary signature is in XXXX, XXXX. When I called the company after having received the order, I spoke to a man who was extremely rude, when I asked his name, it was still unclear, When I started asking Questions regarding the charges, he gave me a different dollar amount to be paid and spoke with a very strong XXXX  accent almost not understandable. He continued to tell me that I could pay him {$1100.00} or I can just let the garnishment take the amount he stated prior. When I pointed out that the amount was different on the paperwork I had, he stated I would need to pay the interest. Really? The delivering company was called XXXX. out of XXXX. ( Fraud? sounding more and more like it ). 
Either way I would like for Midland Credit to stop this process and to stop harassing me. I have explained the identity theft and the information they are using for this pursuit is not true information. I have asked for proof ( exact ID 's, Social Security Card ( actual used ) and signature. In speaking to this man and I asked him information used to obtain this card, he gave me an address that I have not lived at in 9 years.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (MO)

This is another complaint filed. This is ridiculous, no verification has ever been received from this company but they stated they have. Furnish then through the CFPB. The prior complaint stated the following which my complaint is valid and NOT nuisance Case number : XXXX Status Response disputed Rent Recovery Solutions said : Explanation of closure This is a nuisance complaint. 
Response The debt is valid and consists largely of unpaid rent. We are in possession of documents from our client substantiating the debt.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX reported on my trans union XXXX and XXXX credit reports, XXXX also sold the account to XXXX XXXX XXXX reports and called them selves a credit collector/Attorney when they were not. Than XXXX Filed Suit in XXXX Washington to further Harass and embarrass me. This is a clear violation of the FDCPA section XXXX regarding deceptive practices by a collector. 

XXXX XXXX reported to the credit unions XXXX when the balance was only XXXX, XXXX dollars more the original debt another violation of the FDCPA XXXX XXXX has created deceptive transactions design to harass and embarrass and humiliate me.
Consumer complaint received 2016-07-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I tried to get a security freeze on my account. After submitting everything, it said that " We are unable to process your request at this time ''. I tried again and it said the same thing. Even though it did n't process it and provide me the service, they still charged my credit card -- XXXX dollars each time.