davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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)

This account was never late for XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
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: AMERICAN EXPRESS COMPANY (CA)

I was incarcerated from XX/XX/22 to XX/XX/22 And Ive been a victim of fraud, I didnt open this account. Someone opened it with my credentials.
Consumer complaint received 2022-12-22
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-09
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2023, I knew I had been hacked. 

The perpetrators hacked my email which lead them to other accounts My checking account was hacked through XXXX for {$990.00}. Charges were attempted at XXXX and XXXX XXXX but declined. My other accounts with XXXX, XXXX, XXXX, Capital One, and XXXX also had fraudulent charges. Capital One was the only company to challenge me. On XX/XX/2023. XXXX at Capitol One called me regarding my account being linked to my XXXX account. I did not know what she was talking about. She kept me on the phone for four hours. On XX/XX/XXXX, XXXX, she called back each time remaining on the phone for four hours.On the XXXX. She called again, and I hah had it. Capitol refused to give me any information on the the charges, or to let me know who had added themselves onto my account. 
Finally, on XX/XX/XXXX, I was able to file a fraud charges with them. as of today I have no idea what they are doing. By the time I was able to claim fraudulent charges, I realized they were accusing me of fraud. I am XXXX XXXX XXXX with an excellent credit rating. No one should ever be treated this way. Capital One allowed someone else to use my account without my approval. They should be held responsible.
Consumer complaint received 2023-05-06
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. (TX)

i have constantly disputed the accuracies of said account XXXX, and the information reporting i have sent multiple letters requesting validation of the debt which they have never produced. the said companies have refused to answer me. they have violated the FCRA by the following 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. 

how can this be 100 % correct if yall are reporting it as open and a collection
Consumer complaint received 2018-08-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC (FL)

Began calling on XX/XX/XXXX, called me 3x and left messages not informing me of what they wanted, but demanding I call immediately ( messages are saved ), called my father and lied about who they were on XX/XX/XXXX as well as claiming I gave them permission to contact him and called me still not leaving info on who they were the same day. 
I called and left a message on XX/XX/XXXX telling the callers not to contact my family and to stop claiming they had permission from me as they explicitly did not have permission to contact anyone other than myself and after a brief time I spoke to XXXX that same day who was rude and threatened to sue me, garnish my wages and said they had already damaged my credit by filing twice on my credit. She initially would not tell me who she was or what it was for until I confronted her when she admitted it was for a 3yr old debt to a school I went to. She claimed I owed over {$200.00} and I said I would contact the school and handle it directly with them. This call should be recorded as she claimed it was. 
I spoke directly to the school they claimed they were collecting from and was told I had no debt, after pushing for more information from XXXX I was informed I did have some books I owed money on and that the debt may have been sold. I requested to handle it directly with them since the company was claiming I owed more than what the school was and due to the harassment. The school said they would contact me via email or phone to confirm I could pay them directly. 
Contacted my sister and lied about who they were as well as also telling her I gave them permission on XX/XX/XXXX after I had already told them to stop harassing my family. 
I received more calls on the XX/XX/XXXX myself as well as the XX/XX/XXXX and XX/XX/XXXX. 
The company also harassed my aunt on XX/XX/XXXX and refused to identify themselves to her. 
At date I have not heard back from the school and have refused all further contact with the debt collectors. 
I'm happy to pay my books off, but not to the company that is harassing me and my family.
Consumer complaint received 2023-05-06
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)

Istructions. 
n accordance with Fair Credit Reporting Act XXXX Account # 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 in
Consumer complaint received 2023-04-12
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX, XXXX Account # XXXX have 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 an account without my written instructions. XXXX has a totally different credit profile on XXXX. Also, I have provided proof of being a victim of identity theft. I have filed a complaint with XXXX  and my next actions will be to have an intent to file a lawsuit.
Consumer complaint received 2023-04-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C. (IL)

I am writing to file a complaint against XXXX XXXX XXXX for their fraudulent attempt to collect a debt that is not mine. I have reason to believe that this debt is the result of identity theft. I have requested that the creditor prove that this debt is mine, but they have been unable to do so. Despite this, they have threatened to garnish my wages. 

I have taken all the necessary steps to protect my identity, including notifying the credit bureaus and filing a police report. However, I have received a notice from XXXX XXXX XXXX claiming that I owe them a debt. I have repeatedly asked them to provide proof of the debt, but they have not been able to do so. 

Furthermore, they have threatened to garnish my wages if I do not pay the debt. This is causing me a great deal of stress and anxiety. I am unable to pay this debt as it is not mine and I do not want to have my wages garnished. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX. I am also requesting that XXXX XXXX XXXX be required to provide proof of the debt and that they cease all collection activities until they can prove that the debt is mine. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2023, I sent a letter to the major credit bureaus to update my personal information because there were several addresses that do not belong to me and I have not received any documentation of the removal or seen any with my credit monitoring update. I have included my personal documents for the investigation to be conducted and there is no communication from any of the main three bureaus within the last 45 days. I am being denied the right to dispute inaccurate information.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Mr Cooper transferred a negative escrow balance to my new servicer, XXXX. Please review all prior escrow complaints. I understood the escrow to be corrected, and there should not have been a negative balance. I want Mr Cooper to correct the balance to the correct amount.
Consumer complaint received 2023-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (LA)

To begin, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. 
I, a federally protected consumer, have never conducted business with a Jefferson Capital. I have contacted this company by mail requesting proof of a contract containing my wet-ink signature with no response or recourse. 

I have conducted a UCC-1 search in the states that I have lived in the past 10 years. My search produced zero liens from any person or organization. 

Just because this company purchased a debt, XXXX does not have the right to continuously violate my federally protected consumer rights which have a severely negative impact on my livelihood. 

Furthermore, I have disputed this fraudulent activity on both XXXX and XXXX and both have admitted to their faults and removed this item from my reports. 

I will request one additional time that you remove this item and update my report accordingly. 

I will be seeking remedy for no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

I reached out to the company requesting validation of debt being owed to them. I never received any mailings, which I shouldn't have because they were never authorized to obtain my personal nonpublic information. I asked for all accounting history related to this alleged debt, as it relates to IRS publication 508, to include any signed contract with this company. 

I was never given this information, failing multiple requirements of the FCRA. Furthermore, I never authorized XXXX XXXX, whom they claim they are collecting for, to furnish my information. In the company 's terms and conditions, it strictly states that they will not sell any of my information, which they did when they sold Caine and Weiner my information. Since Caine and Weiner has decided to include themselves in this matter, they are just as much bound by XXXX 's XXXX clause, as the XXXX. Caine and Weiner along with XXXX XXXX has violated my federally protected consumer rights and will be dealt with accordingly, if they do not remove this information from my consumer credit file within 7 days.
Consumer complaint received 2023-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I reached out to the company requesting validation of debt being owed to them. I never received any mailings, which I shouldn't have because they were never authorized to obtain my personal nonpublic information. I asked for all accounting history related to this alleged debt, as it relates to IRS publication 508, to include any signed contract with this company. 


I was never given this information, failing multiple requirements of the FCRA. Furthermore, I never authorized XXXX XXXX XXXX, whom they claim they are collecting for, to furnish my information. In the company 's terms and conditions, it strictly states that they will not sell any of my information, which they did when they sold Midland Credit Management my personal financial information. Since Midland Credit Management has decided to include themselves in this matter, they are just as much bound by XXXX XXXX 's Arbitration clause, as XXXX  XXXX. Midland Credit Management along with XXXX XXXX has violated my federally protected consumer rights and will be dealt with accordingly, if they do not remove this information from my consumer credit file within 7 days.
Consumer complaint received 2023-05-06
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)

HI 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 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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

Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

On XX/XX/XXXX I received an alert from XXXX stating that I had a delinquent account and that because of it, my credit score dropped XXXX points. I looked at the account and realized it was for a phone I'd gotten through XXXX financed through TD Bank. I have a long standing account with TD Bank as I have financed plenty of things through them, paying them all off early, and NEVER missing a payment. I went straight to my email to see if maybe I'd gotten a bill from them that slipped my mind and I had nothing. I had not had any correspondence from them since XXXX. 

I called TD bank to ask them to remove this from my credit and they declined several times. I've talked to XXXX different people, the last who noted the account as to what happened and could not explain why I hadn't had a bill. They reversed XXXX of the XXXX late fee charges but said they did not have authorization to reverse the other. They told me to dispute the credit update, which I did, but would not put me in touch with the department who handles credit reporting. 

Today I see the conclusion of the dispute and they have put ANOTHER late report. This is after I have paid more than half of the account off. These people are destroying my credit and won't even talk to me to get it resolved.
Consumer complaint received 2023-05-06
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. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX 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 state a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (PA)

The company gave me a car note amount and came back with a different company with a larger car note amount after we agreed on which company would lend the loan. The company gave the loan paperwork to sign on the computer for XXXX. XXXX is the loan holder for the loan signed. Carmax is not the loan holder but has reported on my credit at a charge off for a car that was loaned from XXXX. I signed a pay off with another company to get the car loan removed from my name and Carmax stated the car is still under XXXX and can not be paid off because it registered to XXXX. A loan pay off expired after I went to a title company and the company would not release the registration information because the paperwork is fraudulent. I never received any contact from XXXX after signing the loan paperwork for them to be the lien holder. I have the paperwork that I signed with Carmax as XXXX as the lean holder. However, Carmax is the company reporting on my report. I do not owe Carmax. This company also sold me a car the year before and within two days the computer electric system began to stall and freeze inside a XXXX XXXX. Carmax also collected {$500.00} downpayment which is also fraudulent and against the law to accept down payments on cars. Carmax need to remove the account from credit report in its entirety or be sued. I have reached out to Carmax several times about the lemon selling cars and fraudulent paperwork. The only response received is that XXXX will not respond or remove XXXX will not remove their name as the lien holder. Car was returned for complaints and rechecked by XXXX XXXX  and returned with the same problems and no mechanical issues were fixed although the car has a warranty for 90 days or 400 miles and the car was driven for seven days before returned for further inspection with no results.