davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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. (NC)

I am writing to dispute the presence of collection accounts on my credit report. Upon reviewing my credit report, I discovered that the collection accounts violate consumer protection laws as it pertains to the reporting of income. Here are accounts in violation : XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX Acct # XXXX {$550.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1000.00} The accounts in question stems from a charge-off, which according to the Internal Revenue Service ( IRS ) , is considered as a discharge of indebtedness and is classified as income. As per IRS regulations, this discharged indebtedness is required to be reported as income for tax purposes. However, it is crucial to note that income, including discharged indebtedness, can not be reported on a consumer credit report. 

Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. Income, being a separate entity from credit behavior, is not subject to reporting by consumer reporting agencies. By including this discharged indebtedness on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and subsequently XXXX, XXXX, Transunion are in violation of the FCRA. 

Furthermore, the inclusion of this discharged indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. 

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

This account is reporting inaccurate information. The account was never late. I bought a car unfortunately the car was totaled within the first week of ownership. I paid 2 months payment upfront. I had full coverage insurance on the car also XXXX insurance from the dealership so the car should be paid in full with no balance and list as positive credit.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, XXXX, and Equifax and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly Investigated the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly verified the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I asked them to remove the bankruptcy. However, I pulled my credit report today. XXXX deleted the bankruptcy. But Equifax and XXXX have not deleted it yet. It has been more than 30 days.
Consumer complaint received 2022-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (KS)

I started receiving calls about a payment owed to Monterey financialXXXX and spoke to a rep XX/XX/2022. I was told this would go under investigation as fraud! Promised a call back from management but they never called me back directly. Ive never ordered anything from this company! I asked them for shipping/tracking info on what was supposedly ordered and it couldnt be given to me as they didnt have anything. How am I paying for something Ive never ordered?? I dont have any XXXX to my name! My bank was notified XX/XX/XXXX as well and confirmed no attempted payments have been taken. Monterey says my banks info was on file which their workers removed my bank info and took me off the list for the automated calls due to this fraudulent situation. Their supervisors never called me back and now this huge bills pops up on my credit!
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX, XXXX. XXXX
Consumer complaint received 2016-05-11
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ROC Asset Solutions, LLC (CA)

The law firm that XXXX hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from API and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.
Consumer complaint received 2022-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax refuses to remove an alleged account from my credit report that XXXX XXXX XXXX said was opened in XXXX. That is beyond the 7 years by Federal Statute and Equifax refuses to remove the Specialized Loan Services entry from my credit report, Equifax 's data shows no payments were made on the account and the account is closed but in repayment process, yet no payments have ever been made on the account listed nor did I ever have a loan with XXXX XXXX XXXX. In addition Equifax has locked me out of my account with them to further dispute this false and outdated information. Multiple times I have request proof from Equifax and specialized loan services for proof any payment was ever made to specialized loan services and since they can not provide proof of any payments being made to them from me, and since the alleged account was from XXXX, it is beyond the 7 year statute of limitations for Equifax to report and by law should be removed from my credit report by Equifax. Equifax refuses to remove an item that is over XXXX XXXX XXXX in violation of XXXX law. 
No payment was made to Specialized Loan services in XX/XX/XXXX, XXXX XXXX XXXX just made up this entry without proof of any payment in XX/XX/XXXX to keep the entry on my credit report. This account is over XXXX XXXX XXXX and a zombie debt and I never had a loan with specialized loan services and they refused to provide proof of anything with my signature on it that I ever had a loan with them, and Equifax refuses to remove the entry from my credit report REAL ESTATE LOANS SPECIALIZED LOAN SER Reported : XXXX XXXX, XXXX {$14000.00} Closed Overview You have 100 % left to pay on this real estate loan. 

Balance {$14000.00} Highest Balance $ 0 Monthly payment {$200.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term No Info Payment History Youve made 96 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Home Equity Line of Credit Responsibility Individual Account. 
Remarks Account previously in dispute - Now resolved by data furnisher Credit line no longer available - in repayment phase Times XX/XX/XXXX days late XX/XX/XXXX Closed XXXX XXXX, XXXX You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Collection Partners, Inc. (IN)

Complaint XXXX submitted XX/XX/21 Never received reply Company told you they would on XX/XX/21 You closed this complaint without it ever being resolved. I never received the response from the Company, but you stated they sent you a response on XX/XX/21
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have automatic payments set up to pay XXXX to my credit card every month on the XXXX nd of the month, for the month of XXXX it did not automatically draft I called the credit card company and they said that I had canceled the payment, which I never did, I made the payment and the credit card company refunded the XXXX dollars for the payment, the next month I was charged XXXX dollars late payment because I allegedly was XXXX dollars short on my payment even though I had never paid more than a XXXX dollars minimum payment even with the card maxed out. To change someone XXXX dollars for an alleged XXXX dollars is downright criminal I dont think that happens even in XXXX XXXX
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (MD)

I was mislead by the debt that occurred in this consumer transaction. My consumer protection rights were violated by Santander when Santander approved me for an auto loan knowing I would have a high probability of defaulting on that loan. I defaulted on that loan within the first 3 months of having the car. Twice within a year. My second time defaulting on the loan, I reached out to Santander on XX/XX/2022. Santander stated I had to pay the full auto loan balance of XXXX XXXX XXXX  in order to receive my consumer goods. Santander stated if I did not remit payment of XXXX XXXX dollars my vehicle would be sold. This loan was a high level risk and Santander only required proof of insurance from XXXX dealership to approve of my auto loan. I have proof from XXXX that shows each lender that approved my application. The other lenders such as XXXX required proof of income, proof of residence, proof of bank statements etc. While Santander only requirement for auto loan approval was documentation of car insurance. I provided this documentation to XXXX, and a XXXX XXXX dollar down payment and was approved for my vehicle. This documentation shows Santanders subprime unfair and deceptive auto lending practices violating protected consumer rights. 
Santander should provide me with Loan forgiveness and the title to my vehicle, along with my vehicle being released. This would be the only fair resolution due to the XXXX  anguish this situation has caused me, and the lost of income due to me not having a vehicle. My family is now struggling to keep a roof over our heads because of this.
Consumer complaint received 2022-12-30
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

XXXX, XXXX, XXXX have incorrect information on my Credit Report that that needs to be deleted within 30 days, The Information belongs to someone else with a similar name i mailed them many time about this. The following info is the claim numbers that were givien to me when we filed the claim. They promised me it would be deleted in 30 days and gave me the following confirmation, they have not removed it within 30 days so thats what this complaint is for. 

DELETE THE FOLLOWING ACCOUNT, IT IS NOT MINE, IT BELONGS TO SOMEONE ELSE RASH CURTIS AND ASSOCIAT Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX ( Finance ) XX/XX/XXXX Credit file # XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Dispute reference # XXXX
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (TX)

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

XXXX XXXX XXXX XXXX, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

currently trying to secure a home loan for my family, I have reached out to the company in XXXX to go over some things that were inaccurate on my credit. I have sent multiple letters now and have yet to receive any kind of response
Consumer complaint received 2022-12-30
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. (IL)

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 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00}
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Asked Experian to follow suit by writing a dispute letter to delete an incorrect account and they didnt. Both XXXX and XXXX  have deleted the account. Its against the law to report inaccurate information on my report. It had to be the same across all XXXX bureaus
Consumer complaint received 2023-02-15
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. (NC)

I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To XXXX TRANSUNION XXXX : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. 
This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I received several monitoring notifications, stating that I have XXXX late payment with XXXX XXXX, even though I am current on all of my accounts. I had a credit balance a year ago, and I have not been using the card. This was a secured account that I paid {$1000.00} to open. The card that I have expired in XX/XX/XXXX, it has not been used, and I never got a new card.I also never received any statements or warnings about late payments. After getting the alert of a late payment, I logged into my online account and found this : RECENT STATEMENTS Date Description Amount XX/XX/XXXX LATE CHARGE FEE {$41.00} XX/XX/XXXX LATE CHARGE FEE {$30.00} XX/XX/XXXX MEMBERSHIP FEE {$49.00} XX/XX/XXXX XXXX XXXX  REFUND DEBIT {$21.00} XXXX XXXX is charging late fees on a membership fee that I was never billed for, on a card that is expired and can not be used. My last balance on this card was a {$21.00} XXXX  XXXX year ago. They charged a membership fee for a card that I can not use, and for which I never received a bill or late warning.