davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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.

has violated my rights. Or a 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter.

This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant.
Consumer complaint received 2024-05-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I never received a notice that I owed this debt. I only found out when I went to purchase a home recently. When I reached out to XXXX, I was told that they sold the account to a third party collection agency by the name of XXXX XXXX but also does business as Transworld Systems or TSI. 
* When I called TSI at XXXX I was informed that they do not have any account in my name or under my SSN. TSI is currently not on my credit report but XXXX XXXX  is. After hearing this, on XXXX I sent in a dispute to the credit bureaus by certified mail requesting an investigation of these accounts. The disputes were received on XXXX and the tracking numbers are below. 
* XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX * According to the FC

RA 615 - 15 U.S.C. 1681m ( 2 ) ( ii ) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request. * By the submission of this request, it has been more than 30 days and : * According to the FCRA 623 - 15 U.S.C. 1681s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information * The time has passed and this information must be deleted. For more information please see your blog entry on XXXX which references XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX XXXX. ). 
* https : //www.consumerfinance.gov/about-us/blog/the-law-requires-companies-to-delete-disputed-unverified-information-from-consumer-reports/ * Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

has violated my rights. Or a 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (TX)

Since the beginning of XX/XX/2024, I have been attempting to resolve inaccurate and misleading information on my credit report. Despite multiple requests for corrections, the company responsible has failed to address these inaccuracies, violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The company has not only neglected to ensure the accuracy of the information they reported but also failed to conduct a proper investigation upon my disputes. 

Furthermore, I never gave my consent to this company to share my personal information or to collect on an invalid debt. This unauthorized sharing and collection of information further constitute a breach of my rights under the FCRA. The company 's actions have resulted in significant harm, including potential damage to my credit score and financial reputation.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Adler Wallach & Associates, Inc. (CA)

The collection company not responding my request about this fraudulent account opened XXXX XXXX open in XXXX accordance wen the Fair Creat Reporting act Account a XXXX, nas violated my nights. 
15 US C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency I have police report identidid open fraudulent account
Consumer complaint received 2023-07-31
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (NJ)

On XX/XX/2024 i noticed a suspicious transaction of {$2000.00} posted to my account from XXXX XXXX California. I immediately called Sofi & Notified them of this issue. I was told the security of my Account was their top priority & this matter would be promptly dealt with. I was disappointed to find out that Sofi Bank did not start investigating this issue until the XX/XX/2024. Its is XX/XX/2024 & I have not been reimbursed for the money Sofi Bank failed to protect. On top of that, the agent assigned to my claim ( named XXXX ) has refused to provide me with any updates regarding this matter. At this point it has been over a month since I reported this issue and nothing has been done!
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC. (MN)

I received an unknown call today, XX/XX/year> at XXXX from XXXX so I didn't answer the call and the following voice message was left with me : " This is not a solicitation. Please listen to this message in its entirety. I am contacting you in reference to certified documents that has been sent out to the address and have come back undeliverable. This is the third and final attempt to notify you regarding this matter at this time, our firm will initiate a cease and desist on all contact, and they will note this as a verified attempt to reach you and proceed with the original course of action. To speak to your case manager, you can contact our office at XXXX or you may press one to speak your case manager now. If there is no response, they again will continue without your participation, press one now.. '' I called the number XXXX and was connected with a person that said they were attempting to collect a debt I owed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX They told me I could settle the debt for less today for around {$700.00} instead of paying the original amount ( around {$900.00} and some change ) and higher added attorney fees with court proceeding that will follow for over $ XXXX. He asked me to confirm my address and the last 4 digits of my ss # but I declined giving them any payments or any of my bank account information. I asked them to email me the offer but no email was received from the said company. 

I feel this was is a scam to collect my personal and financial information.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Global Lending Services LLC (CA)

On XX/XX/2024 {$550.00} was withdrawn from my account using XXXXXXXX XXXX  XXXX XXXX for a car loan ( overpayment ). The car loan was paid off in XXXX and Id canceled the automatic payments but was told by XXXX that I only canceled it for one month ( XXXX ) is and would have to go through the vendor ( Global Lending Services ) in order to receive my refund. I instantly contacted GLS support line and filed a request for a refund. After a second or third phone call, I was told theyd be sending a check in the full amount of {$550.00} to the address on my account and itd take at most 30 days. After two weeks I decided to call again since it usual doesnt take the full 30 days and was told my refund request was denied, they apologized for not calling me to tell me but after I explained the situation and questioned why it was denied, the customer service agent told me it would be approved and shed send out the check. I called again some time later and was told there was a note on my account stating the check was sent out XX/XX/2024. In the beginning of XXXX, I had still not received my payment. I called again and was told there was no record of a check being sent out besides the note on my account but shed give me a call back after sorting things out. The week went by and I never received a call back, after calling again I was told by a different agent that hed try to get ahold of the agent who was supposed to call me back. I never received a call back from him either. On XX/XX/2024 I called Global Lending Services and spoke on the phone with an agent for over an hour. She ultimately told me they have no record of my payment and Id have to go through my bank, I made her aware that I have proof of payment and its no longer my banks authority. She said she didnt have the correct employees available to deal with my situation and would give me a call back by the end of day XX/XX/2024. I havent received the call and the business is now closed.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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.

has violated my rights. Or a 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 2024-05-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (OH)

I made a purchase using my Venmo card and received a broken item. When I attempted to call the company, the contact information was not valid. I opened a dispute with Venmo on XX/XX/XXXX and was told it could take XXXX business days. I waited the time and asked for an update on XX/XX/XXXX. There were unable to give me an update and could not let me speak to someone about what they are doing in the dispute.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (KS)

I attempted to transfer {$2000.00} from my Marcus by Goldman Sachs account to an external account for a XXXX XXXX payment on XX/XX/XXXX. On XX/XX/XXXX the transfer was reversed by Marcus with no explanation. I called them XX/XX/XXXX and XX/XX/XXXX respectively and was not given helpful information or a timeline for resolution.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/year> I reached out to disputed the amount they said they were owed. I sent them the copy of the cashed check and proof the loan was paid in full after repossession. I have reached out 7 times since then and they still have not removed it from my credit report. I paid them {$6200.00} and now they are saying I owe {$7000.00} and are accruing interest on the account still,
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to formally notify you that my landlord is not adhering to Georgia state law regarding tenant rights, specifically under the Georgia Code 44-7-13 and 44-7-14. According to these provisions, landlords are required to keep rental properties in a habitable condition and are prohibited from collecting rent for properties that are deemed unlivable. Despite giving my landlord ample time to address and rectify the issues making the property uninhabitable, no solution has been provided. Given these circumstances, I assert that I do not owe any payment for the rent. I kindly request your assistance in addressing this matter and ensuring my rights as a tenant are protected. For the company to do what is fair and equitable to me as a consumer by deleting the items identified.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I attempted to dispute this account but XXXX disabled my access to do so.

I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

1.Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

2.Account name XXXXXXXX XXXX XXXX  Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

3.Account name XXXX XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

4.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
For this account I have been contacted by a collections agency I believe that my personal information has been compromised or sold. I did not authorize this company to access my personal information or credit file. 

5.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.