davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : XXXX XXXX ( trans union ) and XXXX XXXX XXXX XXXX XXXX XXXX *15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C 1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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 2023-02-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX 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 instructions.
Consumer complaint received 2020-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Danco Financial Services, LLC (GA)

On XX/XX/2020 I sent in a tender of payment for the full satisfaction to pay off the alleged loan with Danco Financial Auto, located in XXXX, Georgia XXXX. They refused the payment, which they felt in default in dishonor. Now, they're refusing to give up the title to my car. This family owned business is doing shady business as well as Fraudulent. According to FDCPA laws and Title 15 U.S. Code 1692g I  have a right to asked for a debt validation letter, I asked them to validate this alleged debt as well as to verify and send me a certified copy of the " Accounting Statements ''. Danco Financial didn't do either. They sent me a payment history. A payment history is not an accounting statement, these are two different documents. After, they couldn't vertify my request, they manual from their office turn my car off so I wouldn't start. They have some kind of wires, that's hooked up to my starter that's in my car and if I missed a payment, they turned it off. I don't mind owing up to an obligation I have to pay, as long as Danco Financial can furnished an " Accounting Statements '' which they haven't. 
Next, they been harassing me about this debt, causing so much mental stress to my health, headaches, worry about if they gone turn off my car or not, how am I supposed to make it to work or not. According to the Declaration of Human Rights, Article 4 there shall be no slavery. It's a form of slavery when you're using Federal Reserve Notes to try and play off a debt using a debt, knowing you're never going to pay off this war debt. This is a violation that's goes against The Declaration of Human Rights & Danco Financial is in violation of my Human Rights.

Furthermore, According to the State of Georgia Constitution, Section 1, Paragraph 1, I have a right to Life, liberty, and property. No person shall be deprived of life, liberty, or property except by due process of law. This is my right. Danco Financial never gave me ANY DUE PROCESS OF LAW. In the declaration of Independence 1776, I have unalienable rights from My Creator, which man can not and will not take them away from me. You didn't give them so you will not take them away from me.

Section 1 Paragraph 7 in the State of Georgia Constitution says, such laws as will protect them in the full enjoyment of the rights, privileges, and immunities due to such citizenship. So Danco Financial stop with the fraud and the breaking of the laws.

Finally, Danco Financial can not take any of my intangible property rights nor my tangible property without just compensation by law. This private company is in so many violations, breaking the laws and are getting away with it. I am reporting them of the Fraudulent they're doing. They're doing extortion, which is a felony in the State of Georgia, shady business in the State of Georgia, as well as over the phone. They aren't staying in honor but dishonor. What you do in the dark, will come to the light. Learn how to handle things and act accordingly.
Consumer complaint received 2018-10-16
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. (PA)

I have made several attempts in the past 3 years requesting the removal of these collection accounts directly with all 3 credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.
Consumer complaint received 2023-08-09
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-31
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CT)

XX/XX/XXXX expecting a deposit from netspend/XXXX and did not receive called them only to be told they are having a problem with ACH and are holding payments, XX/XX/XXXX still havent received my hard earned money ( some customers were complaining they havent received theres in over 5 days ) I couldnt imagine, they have no further details they cant even give me a Estimated time I am a single mom with kids I have bills to pay and they are holding my payments! There is a whole forum of a group of people also complaining and they get no response or reason for this hold and how long they will be holding our direct deposits this is completely unacceptable, people are talking about suing, I need reasons for this issue and when netspend/XXXX customers will be getting their money
Consumer complaint received 2022-12-09
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. (GA)

RE : Account with XXXX XXXX XXXX XXXXisted on my credit report. 
Equifax maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX. While the burden of proof lies with XXXX XXXX XXXX XXXX XXXX XXXX have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor Equifax has provided rebuttal. If Equifax maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have attached an Affadavit of Fact in rebuttal for Equifax to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.
Consumer complaint received 2017-04-18
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I paid off the mortgage to Champion mortgage in  XXXX  for the estate of my uncle. They sent me written affirmation that it was paid off on  XXXX   XXXX . The forced place insurance company settled with me for {$150000.00} in damages to the property which had the mortgage in  XXXX  but the mortgage company insisted it receive the check. On  XXXX   XXXX  Champion mortgage informed me that it had received the check from the insurance company but was holding it pending a showing that the repairs had been made. I have tried to convince the mortgage company to send me the check, since  Champion no  longer had any interest or was owed anything on the mortgage, and have received numerous reasons why it could not do so including saying the check was in the mail, though it had not reached me 14 days after their saying so. Ironically,  Champion ap plied an earlier insurance check that was issued in  XXXX    XXXX   to the unpaid balance of the mortgage, without asking my permission. I would like the money with interest ASAP. I am the legally appointed administrator for the property.
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (HI)

The company is Gemini ( cryptocurrency exchange ) Federal ID number : XXXX. 

Company name is : Gemini XXXX XXXX In XXXX of 2024, I deposited {$20000.00} into Gemini to trade cryptocurrency. On XX/XX/2024, I tried sending the currency to another wallet. It required 2 Factor Authentication and upon successful completion, It tells me I failed to respond to the request, which is a lie. I end up sending a support ticket confirming my identity. The ticket closes and I tried again, but still it said I failed to respond. 

Fast forward to XX/XX/2024, I try once again to send my cryptocurrency, but I get the same error message : " Failure to respond ''. I open another support ticket demanding that they give me full access to my funds are I will file a complaint with the FTC. They make me jump through several hoops all listed here : " Please provide us with : Your current occupation and employer, and/or your current source of income ; Your estimated net worth and a detailed description of your source of wealth Is your source of wealth derived solely from employment income, or is it also derived from other sources such as investment returns and/or inheritance? For any stated sources of wealth, please also provide supporting documentation such as a pay slip, bank statement, tax return, or other relevant documentation. 
A description of your expected account activity How much do you expect to fund your account initially? How often do you plan on funding your account and at what volume? What are your anticipated transaction patterns? For example, do you envision buying and holding your digital assets or will you be actively trading? 
Lastly, Gemini offers a variety of products and services including our Exchange, OTC Desk, and the Gemini Credit Card. Which products and services do you plan on using? '' TICKET ID : XXXX I end up complying with all of their requests and answering all of their questions sufficiently, but still they lock down my account. Mind you, each response I get takes days if not weeks to get a response. 

They request even more information after this. 

" Please provide us with : bank statement crypto statement from the exchnage crypto funds are coming from. " They cant even take to time to correct the typos in their email. 

I'm out here risking getting my identity stolen by digitizing all of my personal information ( social security card, birth certificates, paystubs, bank statements, drivers license, etc. ) while the customer support at Gemini gets to sit in their chairs and not move a finger. 

After complying with all of their requests, my account is still locked.
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (VA)

The following accounts have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (MA)

Checkr company ran my background check report with incorrect information under the County Searches part with criminal search, and I have contacted them many times over a month. they still have not corrected this issue for me which caused me to lose my rideshare driver eligibility with my XXXX account. It should be showing Clear, not Consider status on my report. 
Also, there is a search regarding " Driver Provided Driver Identification to Another Transportation Network, First Offense '' information incorrect as well. I did my court search last time and it has nothing found on the dates between XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX when I entered the case number XXXX XXXX into the XXXX XXXX  website. 
Thank you!
Consumer complaint received 2023-08-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX accounts XXXX XXXX  has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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 r

eporting 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 re
asonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have disputed a collection account that was added to my credit report in XXXX. Both times they are stating they have verified as accurate. I have not received any verification or validation from the collection company XXXX XXXX that I owe XXXX. There is no contact information for them on my credit report for me to contact them directly. I have requested proof of my signature that I have a contract with XXXX XXXX and have not received that documentation from Transunion. Transunion is not verifying properly. They are using a computerized system instead of contacting this collection agency by phone and getting the proper documentation that I owe them money. I am requesting this be removed from my credit report. This does not belong to me and they have to provide me with verification/validation with my signature that I have a contract with this company and owe them money. To date this has not happened.
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

The borrower applied for a modification in  XXXX   2016  and was denied because " There was an irreconcilable discrepancy in the application ''. That was the only statement. The borrower had to have a law firm write a letter to learn what the discrepancies were. The borrower applied for another modification with letters of explanation for the discrepancy. The borrowers were denied in a letter with the exact same sentence, " There was an irreconcilable discrepancy in the application ''. The borrowers used this attorney to speak with the banks ' foreclosing attorney via a lengthy email chain to determine what those discrepancies were. They were the same discrepancies addressed in the letters of explanation that were submitted by this law firm to the bank.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Several items on my credit report do not belong to me. I do not recognize them ; I had to file an identity theft report due to unauthorized accounts and charges on my credit report dating back a few years. I have tried to contact the creditors and the companies on several occasions. They have not removed or tried helping me at ALL. I can't do anything, and it has ruined my life up to this point. I need help. These Ceridtiors are not trying to help and keep giving me the runaround. Here is a List of items. Someone or multiple someone using my identity have managed to rack up. It shows on my report that one of my addresses is in NEVADA. I have never lived in Nevada, XXXX XXXX, or anywhere. I have only lived in one state and it's south. Please HELP XXXX XXXX : OPENED on XX/XX/XXXX. They marked it over 120 days late. {$700.00} XXXX Bank : Opened on XX/XX/XXXX Collection/Chargeoff {$2500.00} XXXX Opened on XX/XX/XXXX Collections/Chargeoff {$460.00} XXXX XXXX : Opened on XX/XX/XXXX marked a Derogatory {$450.00} XXXX  Opened on XX/XX/XXXX {$380.00} XXXX XXXX XXXX Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collections/ Charge off {$170.00} XXXX XX/XX/XXXX Collection/Charge off {$940.00} XXXX XXXX XX/XX/XXXX Collection/Chargeoff XXXX
Consumer complaint received 2023-01-25
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. (CA)

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 with out my written instructions 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-25
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)

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 with out my written instructions 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (PA)

When looking for a used car to lease, I chose the cheapest car on the lot, thinking I can pay it off faster and my student loans wont affect the debt to income ratio much. Well XXXX became XXXX from Credit Acceptance after signing the loan to lease! Im about to hit a year in XXXX and Ive paid off XXXX of my XXXX ( I put a XXXX deposit. ) Its projected that I would pay XXXX XXXX XXXX at the end of the loan in 4.8 years! Thats insane!!
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I found an item on my credit file from FAMILY SUPPORT XXXX XXXX XXXX  # XXXX feel it is best to release/delete reporting this disputed information at once I will have no choice but to commence the unpleasantness of a Sections XXXX ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or elsewise deficient proof of full reporting compliance ( be it FCPB, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. There is missing information and details that are requirements for any data furnisher and they have not been met to the standard and this is causing me a financial hardship.