davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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. (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 2018-06-14
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. (TX)

My current mortgage company " XXXX XXXX " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX. 

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.
Consumer complaint received 2018-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

I was contacted by my mortgage servicing company ( XXXX ) in XX/XX/2017, via a mailed letter, stating I was eligible to request termination of my monthly PMI due to my loan to value reaching 80 %. They stated I would need to submit a written request, which I did in XX/XX/XXXX.  I called several times to follow up on the request only to be told they have not yet received my email. They provided me with the same email address I sent the initial request to and told me to re-send the request. Every time I call to follow up on the request they state that they have no record of my request. I feel as if this is a delay tactic to keep me paying PMI. They contacted me, therefore I feel it incumbent upon them to follow through with the removal of PMI from my mortgage payment.
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

I received a final invoice from XXXX XXXX apartments and XXXX XXXX XXXX XXXX ( on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) where I moved from in XX/XX/XXXX. The invoice contained several invalid amounts and amounts that should not have been charged at all. A particular person, XXXX XXXX at XXXX XXXX, charged me for XXXX rent, late fees, and reletting fees when she asked me to move asap, and I did. I was not evicted, I was asked to move because XXXX argued with my XXXX XXXX  son in XX/XX/XXXX. I signed a lease with XXXX XXXX apts effective for XXXX XXXX, XXXX and XXXX verified me as a current tenant of XXXX XXXX with no issues. 
I contested the entire invoice to the management company over XXXX XXXX, XXXX XXXX XXXX, but they never responded. They sent the balance to Procollect, Inc. ( on XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I contested the balance with Procollect as well, but to no resolve. I mailed proof of why I'm contesting the balance, but nothing changed. 
XXXX charged XXXX for damage to grassy area by the U-Haul I rented. I had insurance on the truck, but XXXX charged XXXXXXXX XXXX This invalid and malicious debt has been unnecessarily damaging in my credit files for long enough. I have no other choice but to take matters to higher levels for help, because this isn't fair, and I have been saying this since the beginning. I need this debt removed from my credit files immediately, and XXXX XXXX XXXX and Procollect should be penalized for maliciously reporting inaccurate and damaging debt since XXXX.
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to U.S.C. 1681e ( b ) Compliance Procedures, my consumer report must be created with the utmost accuracy. 
Section 602 A of U.S.C. 1681. States I am entitled to privacy. 

In accordance with U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is not permitted to provide information about me without my prior written consent. 

No consumer reporting agency may make any consumer reports, any other negative items of information, or any other ran records of convictions of crimes that predate the report by more than 7 years, according to U.S.C. 1681c. ( a ) ( 5 ) Section. 

U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

NOTICE TO SUPPRESS LISTED ACCOUNTS The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which you Transunion did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. 



The account fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to suppress all listed accounts. 


SUPPRESS ALL LISTED ACCOUNTS BELOW. 


XXXX XXXX XXXX Inaccurate day of account opened. Inaccurate day of delinquency. Inaccurate payment history. 

A compliance standard was put in place In 1997 for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviate from the standard of compliance. You are not in compliance. Remove all listed accounts immediately or legal action will be taken.
Consumer complaint received 2023-07-01
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

Good morning, I opened an account with XXXX that served by XXXX XXXX XXXX. Basically I'm just trying to pay my bill in full, however bank refusing to provide me any information regarding my own account so I can make a payment. However, they are offering pay your bill with XXXX $ fees, which I think violates my rights of a fair trade. So what they do, they start sending me a bill with interest fess and stuff, but I'm unable to pay it because I can not login to my account and pay it off. Please help!!!
Consumer complaint received 2019-03-19
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: Experian Information Solutions Inc. (CA)

About a year ago two accounts from XXXX appeared on my Experian profile, I did not recognize them. My attorney contacted Experian via mail and by phone because I had been a victim of ID Theft and she was assisting me in a law suit .... anyway Experian removed the accounts. However, after a year this past Friday- Experian re- inserted the accounts back to my credit without proof or proper validation. I called them and was told I needed to contact XXXX. I already had and have been unable to get proper validation and was told to dispute the account with the bureau. If the accounts are not removed, I will be filing a law suit. I was just about to apply for financing
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

hi my name is XXXX XXXX XXXX, I 'm writeing requiring assistance regarding the relevance of my American Express Serve refillable debit card-gift card ... ..aswell in accordance with the XXXX XXXX XXXX XXXX.program. i was offered the opportunity from a operator in a American express Serve card, discrepiancy -XXXX/call. from there within being told i would be able to attain for a fee of XXXX  dollars..not only in relevance of a lost or stolen card ... but when i agree i would be able to add a second card even if prepaid and i still would be able to have the opportunity to refferiance if not or never memorized the card or account number, .. to both by route of the American Express Served card , weather over seas  as well as refferiancible international ... with the ability to obtain with only or initially just providing my social security, ..address ... .birthdate, .aswell as the purchase date and following transactions from purchase about five transactions ... my problem is i ca n't get the right office with the XXXX XXXX XXXX ( program ) - ..i got a bunch of different numbers one was XXXX ... but none would help they just keep redirecting me.. i need my money urgently so I 'm sending this .... i even upon purchase inquired if Serve card relevance within the nesicety to contact you guys at the XXXX ... would provide immediate clarity with what i need ... from there/here i need my account number or card number as soon as possible I 'm unable to access my funds an their would be $ XXXX-and change on the card/in the account.. for the original gift card swell as there would be $ XXXX- dollars in the Serve card account/or serve card ... from there i have a bit i have to pay tomorrow early i would like you to speak to them they usually work pretty quickly the last occurrance i believe i needed a confirmation number or an refferiance number hubby if you work with haste i would be able to fulfill my obligation with no further sacrificing ACTS! ill also file an accessibility complaint with you guys refferencibly XXXX XXXX XXXX, from there associating XXXX XXXX XXXX the Section Chief ordinet, information and policy ... aswell as XXXX XXXX the decisions analyst ... to gain some alacrity ... ..but initially please help as-soon as possible i believe only a phone call I 'm just without the direct number -depatrtment relevance is severe ... pleas prior to the XXXX of XX/XX/XXXX..XXXX
Consumer complaint received 2019-03-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (LA)

In XX/XX/XXXX I bought a XXXX XXXX XXXX from XXXX XXXX dealership in XXXX XXXX, LA. I agreed to a 2 yr lease and was told after that I could return the car for another one of my choice. When the time came along. They had no information on the loan. I lost my job soon after and the car was possessed. I was never notified that i had a court date, however my check began to be garnished then i recieved the notice. Whenever I called the company they said I owed XXXX would like to sue them for fraudulent contract, economically targeting poor people and minorities. Also I would very much appreciate it every case be investigated individuality and ALL unfair wages be compensated. As well as criminal charges be bought on the ones responsible. Lastly I request that the company be shut down or sold.
Consumer complaint received 2019-03-19
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: ALLY FINANCIAL INC. (NV)

XXXX XXXX - I co-signed for a vehicle - I was notified that the vehicle was involved in an accident and totaled - Insurance would pay the loan this was in XXXX - then I received a letter from Ally that payment was not made - I called the insurance company they did process the payment, I called Ally back the girl I spoke with, XXXX, said it takes 3-4 weeks and to make sure I called back to check or Ally would notify me. I waited and the payment was received - I got another letter late XXXX regarding a balance due - I called Ally and the Primary Acct. holder made payment arrangements for the balance of {$1500.00} - I said ok. I got another letter from Ally stating that the balance was still outstanding this was in XXXX. I was told that contact was made and I would receive a letter once the loan was paid in full - In XXXX I got another letter and I called and I said look I'm paying this balance and I'll go after the Primary for any money I was out and I paid it in full XX/XX/XXXX in Amt. of {$1600.00}. I did it through XXXX XXXX XXXX ( PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX CARD XXXX - I was then astounded that it landed on my report - I disputed both on my report and Ally - Ltr received XX/XX/XXXX from Ally they will not remove it from my credit report. I called and said why, I paid even when Ally was still waiting and dealing with the primary account holder person. I paid the balance in full - I have worked to start healing my credit and I should have been told on the first call what they were going to report. I paid it in total. Ally Acct # XXXX Ally XXXX XXXX XXXX XXXX MN XXXX - ( T ) XXXX - It is still showing on my report in the amount of {$1500.00} and Ally said no it was accurate credit information furnished to credit reporting agencies - The Credit Agencies said Ally has to request it to be removed. Please any help is so greatly appreciated.
Consumer complaint received 2017-10-11
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 (IL)

During the entire year of XXXX and XXXX I have made attempts to get this information removed from my credit reports. I 've sent letters to the credit bureaus as well as Portfolio Recovery to delete the inaccurate information from my credit reports. Portfolio Recovery has sent a letter back informing me that the debt is mine, they include copies of bills that were sent that have my name on them, however, this does not prove anything, this proves that that can take a bill and put my name on it and say it 's mine. They need to provide me with the actual contract agreement that I signed, I 've asked several times for this, however, they have not provided this to me. I 've also asked that the credit bureaus do the same and they just keep telling me that they have verified the debt with Portfolio Recovery, however, not providing me with information on how they are verifying the debt, such as the original contract. This is credit entry is ruining my credit and not allowing me to receive jobs because this is on my credit report. I hope that this can be resolved by Portfolio Recovery deleting this account from all of my credit bureau reports, which include XXXX and XXXX and XXXX.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXXXXXX XXXX  has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXXXXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (FL)

On XX/XX/2018 I received an alert from my bank regarding a collection in the amount of {$460.00} reported on all three credit reports. The amount shows as open on XX/XX/18. This is bogus information. There is missing information and different information for the same account on all three. The company has since added another name on one of my reports after I complained due to bogus and missing information.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NV)

I have disputed this debt numerous times. I sent Diversified Consultants a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Diversified consultants has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Diversified consultants : I am writing this letter in response to the phone call/letter received from you on ( Date ).  In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Consumer complaint received 2019-03-19
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. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.