davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. (NY)

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 XXXXXXXX, XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, Account number XXXX Account name : XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 2023-11-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (IL)

I am writing to file a formal complaint against CBE Group for engaging in a practice commonly known as debt parking, which, according to the Federal Trade Commission ( FTC ), is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I recently discovered that CBE Group has reported an alleged debt to credit reporting agencies without making a good-faith effort to contact me, the consumer, as required by law. The FTC clearly stipulates that debt collectors are prohibited from reporting an alleged debt to credit reporting agencies without first attempting to reach out to the consumer to discuss and verify the debt. 

The specific details of my complaint are as follows : 1. Alleged Debt Reporting : CBE Group has reported an alleged debt to one or more credit reporting agencies without any prior communication or attempt to contact me regarding this debt. This action not only violates my rights under the FDCPA and FCRA but also undermines the fundamental principles of fair and ethical debt collection. 
2. Lack of Verification : Without any prior contact or attempt to reach me, CBE Group has reported this alleged debt, which raises concerns about the accuracy and validity of the debt in question. By failing to follow proper procedures, they have left me without the opportunity to verify or dispute the debt as allowed by law.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-16
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
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. (CA)

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2023-12-20
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. (FL)

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2023-06-09
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1000.00}, XXXXXXXX XXXX
Consumer complaint received 2023-12-20
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. (NJ)

Everytime I dispute my report that my XXXX Finincial Account balance and payment history is incorrect,, nothing is corrected from the dispute or even when I personally contact them they still don't correct it.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

capital one id number XXXX account lying, improper id patriot act violation unfair practices, discrimination racism this worker closed a credit account without permission due to asking to asking top speak top a higher rank worjker. only reason account was closed, i askeed for mediation whih the person ided says we dont allow mediation and we willclose your account, although i asked it not be done untoil i hads a chancew to mediate with someone whicfh was denied then account closed.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XX/XX/year> DEAR EXPERIAN I XXXX XXXX HAVE WRITTEN THIS LETTER TO DISPUTE A CLAIM THAT IS FALSELY LISTED ON MY CREDIT REPORT WITH YOUR BUREAU. THE AMOUNT ( XXXX ) OWED ARE NO LONGER OUTSTANDING FOR THE FOLLOWING ITEMS : PARTY OWED : XXXX  AMOUNT : {$1000.00} PARTY OWED : XXXX AMOUNT : {$1200.00} PARTY OWED : XXXX XXXX XXXX XXXX  : {$1300.00} PARTY OWED : XXXX XXXX XXXX XXXXXXXX AMOUNT : {$800.00} PARTY OWED : XXXX AMOUNT : {$210.00} PARTY OWED : XXXX XXXX SERVICES AMOUNT : {$120.00} PARTY OWED : XXXX CREDIT AMOUNT : {$13000.00} PARTY OWED : XXXX  AMOUNT : {$2000.00} PARTY OWED : XXXX AMOUNT : {$720.00} PARTY OWED : TD XXXX XXXX AMOUNT : I AM DISPUTING THIS CLAIM DUE TO, I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY THIS IS MY OFFICIAL REQUEST TO HAVE AFOREMENTIONED ITEM TO BE DELETED OFF MY CREDIT REPORT. ENCLOSED MAY BE ADDITIONAL EVIDENCE TO SUPPORT MY CLAIM SSN XXXX
Consumer complaint received 2018-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Van Ru Credit Corporation (TX)

While my accounts are now with XXXX, consolidated and I am making a single payment, the loans were LOST after a XX/XX/XXXX medical bankruptcy. My issue is with Van Ru. I was screamed at, sworn at, had similar issues with XXXX and Van Ru ... nobody could tell me who had which loan, what was in rehab and what was not, and after rehabbing " all my loans '', they hadn't been, and mysteriously 8 into 9 payments of each rehab, " there was a paperwork error in house and your rehab was never signed off on ''. Each time the loans changed hands, THOUSANDS in collections fees were added to the loans, and capitalized. Since XX/XX/XXXX, I've paid the principal, and over, in interest and collections and rehab fees. I have a very enlightening recording of one call with Van Ru attached here, not objectively the worst call, with Van Ru but it highlights the issues with them and how they parse the truth since the objective is to KEEP you in loan purgatory-between default and rehab, and an article in MONEY described the calls I also received from their hit-man collector ( called me a XXXX and so forth, a waste of space and air, a failure, etc. ) XXXX and XXXX also had those calls. Then, you would get a call from someone else saying, sorry about all the horrible calls, but I am the nice person from here, and I can fix this for you ( and you would have the auto-dial calling stop ). I don't owe all of what I have in repayment. I  also have screenshots showing that XXXX can't even get their ( current ) website info together. I complained, they were really annoyed, and they appear to have fixed it ( now ), but still. Fun stuff. So, I would like to negotiate a percentage of what is owed and be done with this loans. The ombudsman took 6 months to retrace what all had happened and said it was one of the worst cases he had ever seen, a huge headache for him, and verified the loans were lost for years in fact. If nobody could find them when I was trying to repay them, and were like " yep, it's paid '', well XXXX. I want to pay it, but not the interest on when it couldn't even be found. I was paying a collector based on a report on my credit that I owed money without any verification that I actually did owe the money, since nobody had the paperwork! That, I think, is telling about the chain of custody issues described in some of the lawsuits.Total chaos with Van Ru. XXXX and XXXX had people call to say horrible things to you, and at XXXX XXXX  and XXXX XXXX, put me on auto-dialer with a fax for weeks. Awful. The one collector from Van Ru, I specifically mentioned to the Ombudsman, had threatened to burn down my house. This is not an exaggeration, this really went on. People overhead the calls on speakerphone, once my employer picked up and was screamed at.
Consumer complaint received 2023-11-08
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (TX)

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2024-02-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (NJ)

On XX/XX/XXXX I had to go on XXXX because when I walk I was off balance. I work at a XXXX XXXX and you always have to be steady on your feet at all times. For eight hours in a day my duties consist of walking the unit to to keep track of the patients every fifteen or five minutes, I have to be with a patient for and hour if a one to one monitoring is required and during that one hour I may have to help the patient on to the toilet, patients need to go to have lab work done so now I have to get them there in a wheelchair, I have to bend to put on the patient shoes and carry heavy items when needed. I called my mortgage company to let them know I was not working and I was told they would research and see what I qualified for and not to worry. I received a Mortgage Assistance Application filled it out and mailed it on XXXX XXXX I was advised the process took about thirty days for the team to review. Each time I was requested to submit something else they needed and each time it was another thirty day for review the understanding was PHH Mortgage was going to see if my back due mortgage payments could be put to the back of my account so the account can be current. However I received notification from them dated XX/XX/XXXX that I didn't qualify because I was ninety days past due. I did pay my mortgage for XXXX and XXXX. So I was denied the program called Helping Homeowners Modification and Streamline Modification. So I just received documentation from PHH Mortgage dated XX/XX/XXXX the documents is Understanding Net Present Value ( NPV ) I don't understand it and I must get help from someone who does. Also, if I don't agree with their decision I have XXXX days to appeal ( I received this packet on XX/XX/XXXX, plus according to their records, the owner of the loan is XXXX XXXX XXXX XXXX XXXX. I feel that PHH Mortgage is trying to prolong the process so they can foreclose on my property. I worked on one job for eighteen years in XXXX the company decided to move out of NJ so what was invested I had to put it in a IRA Roth account, meanwhile trying to get another job bills had to be paid including my mortgage and over time I ended up spending what was suppose to be my retirement in the future. I've had my home for over twenty years and I've put my retirement investment into my home to keep a roof over my me and my children 's heads. I've called programs for mortgage assistance and no one seems to be able to help me. I'm trying to get assistance from my job I've submitted and application XX/XX/XXXX, however I will not know if I've been approved until thirty days from the date of XX/XX/XXXX. I'm also waiting to be approved for XXXX XXXX XXXX. I can not lose my home, please I hope someone can help me.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I came back from being XXXX in XXXX for about 10 months to find that when I would try to apply for apartments I would constantly get denied although I thought my credit report was locked, I spent over {$900.00} consistently putting in application after application and I was ultimately denied, I have tried to dispute some of these negative items with TransUnion but was unsuccessful, During my XXXX there was a strange glitch In the TransUnion app in XXXX showing that I was consumer deceased making my credit score drop to XXXX everything was deleted from my report then refurnished without me being notified certified mail which ruined my credit further. In turn losing my XXXX XXXX to keep my job as a XXXX XXXX in the XXXX I will be terminated as of XX/XX/2024 XX/XX/2024
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (MO)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX # XXXX. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (LA)

I am filing a complaint against XXXX XXXX XXXXXXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). The situation involves the unauthorized authorizations with XXXX. 

I formally requested the cessation of any and all authorization-related activities concerning my credit card and auto loan accounts with XXXX, in accordance with the FCRA ( 15 USC 6802 ). This includes written, unwritten, verbal, or non-verbal authorizations that may have been given. As of XX/XX/, I have not received any acknowledgment of resolution. 

Enclosed with this letter is my original correspondence to XXXX, dated XX/XX/, outlining my requests and seeking confirmation in writing that my concerns have been addressed. 

I seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected and that XXXX XXXX XXXXXXXX XXXX complies with the provisions of the act. I believe third-party intervention is necessary to facilitate a resolution. 

If additional information is required or if you have any questions, please contact me at the provided contact information. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.