davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: States Recovery Systems, Inc. (CA)

This is a follow up to the case # XXXX which was closed and the response from the Company is this : " States Recovery Systems, Inc considers this matter closed. '' I just received another letter from the States Recovery System requesting payment of the same matter or else they will turn over the debt to the California State Franchise Board for interagency intercept collection. 

They are yet again threatening me with something I do not owe.
Consumer complaint received 2022-11-09
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. (GA)

Upon reviewing my credit file, incorrect items were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 %. For several months, I have been trying to dispute negative accounts from my credit report, several times. 

In accordance to Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when several inaccuracies are shown on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are the negative accounts XXXX XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX  XXXX {$170.00} I attached the latest dispute letter I have filed a complaint against bureaus and creditors.
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (TX)

This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. 

This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2023-07-07
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. (AL)

I am a victim of identity theft. I have been dealing with identity theft for YEARS. The following information is not mine and should be removed off of my credit file immediately. I am also including my photo Identification, police report and fraud report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (AZ)

I contacted Ally on XX/XX/2022 regarding their misleading and false interest rate emails. I decided to move my account to XXXX Bank on that date and filled out the on line form per the CS rep 's instructions. On XX/XX/2022 I learned that my account of {>= $1,000,000} had NOT been wired to XXXX. I called Ally on XXXX and spoke to XXXX and she asked me some detailed questions to verify it was me and she stated that my account would be wired that day. I learned on XX/XX/2022 my funds still have not be wired. I called and talked to XXXX at Ally and she NOW wanted a statement from XXXX emailed to her. After much effort I was able to obtain a statement and emailed it to her on XX/XX/2022. I learned today XX/XX/2022 that my funds of now {>= $1,000,000} have still NOT been wired to XXXX!!!!! I even paid their {$20.00} wire fee two weeks ago!!!! Ally is converting my funds and and I am losing interest every day from Ally 's intentional acts. You need to fine them millions and force them to pay me my lost interest and wire fee!!!! 
I first filed my Complaint to the XXXX and they sent to it to the Federal Reserve who NOW tell today that it goes to your agency!!!!! Please do something ASAP as I needed this money wired to XXXX Bank on XX/XX/2022 2022
Consumer complaint received 2023-04-18
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. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 604 A States A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-11
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. (TN)

Currently reporting the following : XXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX XXXX account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX XXXX account # XXXX ) as 120 days late and transferred/sold XXXX XXXX XXXX XXXX account # XXXX ) as collection/charge-off.
Consumer complaint received 2023-11-12
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. (TX)

Child Support should not be on my credit report. Equifax, XXXX, and XXXX sent a notice to child support enforcement/OAG over 20 years ago stating that it is unlawful for Child Support to be on my credit report. This has been unlawful for over 20 years. This did not start from a credit transaction.
Consumer complaint received 2023-01-19
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. (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 U.S.C 1681. 

XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, ACCT # XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX XXXX XXXXXXXX, ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-10
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. (SC)

in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (SC)

Family Educational Rights and Privacy Act ( FERA ) is a federal law enacted in XXXX that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school remove all student education records. XXXX XXXX XXXX ( b ) Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I have requested to remove the educational records from the consumer report.
Consumer complaint received 2020-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

Paying every two weeks XXXX dollars. The original loan was XXXX. Total amount I have to repay is XXXX, XXXX. I just feel that it is unfair lending practices. I have rent that is XXXX dollars a month. I am basically living off one paycheck which I have to pay this company out of.
Consumer complaint received 2024-08-16
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: Experian Information Solutions Inc. (PA)

XXXX incorrectly reported several late payments on my student loan account during the periods my loan was in forbearance. I contacted XXXX and was told to contact the consumer reporting agencies directly. I disputed the incorrect late payments with XXXX and Experian. I sent them my account history that was received from XXXX which shows the dates of forbearance. However, the dispute results from both companies continues to show multiple inaccurate late payments. They have not resolved my dispute and continue to report incorrect information despite having correct information. They are willfully harming my credit score and ability to obtain credit and fair interest rates.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Experian violated my rights.
Consumer complaint received 2023-09-11
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. (NY)

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! 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. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (GA)

This is about XXXX XXXX XXXX XXXX sending a wrongful debt of XXXX XXXX on my name to the debt collector Prince Parker. I an ex XXXX XXXX XXXX XXXX. I had closed down my XXXX XXXX XXXX internet and wireless account more than 2 months ago & I moved to another provider for better services. Before closing down XXXX XXXX XXXX, I paid all my due bills for internet & wireless account. I did not owe anything to XXXX XXXX XXXX. I moved my home internet and mobile provider to another provider and now I am not even an XXXX XXXX XXXX customer. I checked my online account & also spoke with the XXXX XXXX XXXX Customer service and I was told that I do not owe anything to XXXX XXXX XXXX and my balance is XXXX. Then why did XXXX XXXX XXXX wrongfully report this to Prince Parker Debt collector when I do not owe anything to XXXX XXXX XXXX. Again, I am not even an XXXX XXXX XXXX XXXX XXXX XXXX customer.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

Claimed XXXX, did reaffirmation of loan made all payments on time paid off early and they they report to credit bureaus all three as a charge off. Sent my XXXX XXXX into the tank, lowered my XXXX XXXX lower than when I claimed XXXX. This credit union is out for a very unfair vengeance. Other creditors did proper reporting but not this credit union. You get absolutely no help at all.
Consumer complaint received 2022-12-06
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)

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. 

Accounts name : ( XXXX ) XXXX/XXXX, ( XXXX ) XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX, ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX, ( XXXX XXXX DEP OF ED/XXXX, ( XXXX ) XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 ITEAMS OF INFORMATION ANY OTHER ADVERSE ITEAM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION 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 CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.