davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (NC)

I filed a previous CFPB complaint ( XXXX ) describing both a potential FDCPA violation and a realized FDCPA violation. Rent Recovery Solution 's response to this complaint only addressed the lesser, potential violation. I am repeating the complaint to get a response to the actual FDCPA violation which occurred on XXXX XXXX, XXXX. 

I received initial communication from Rent Recovery Solutions in the form a letter dated XXXX XXXX, XXXX XXXX no postmark present ). This letter did not include verification of the debt. On XXXX XXXX, XXXX, I replied via certified mail with return receipt asking for verification of the debt and to consider the debt in dispute. Per the return receipt, my dispute letter was received by Rent Recovery Solutions on XXXX XXXX, XXXX. I was called by Rent Recovery Solutions on XXXX XXXX, XXXX. I did not receive a verification letter until XXXX XXXX, XXXX. The verification letter is dated XXXX XXXX, XXXX and postmarked XXXX XXXX, XXXX. Because Rent Recovery Solutions knew the debt was in dispute and had not even sent verification, the phone call on XXXX XXXX, XXXX was in violation of FDCPA.
Consumer complaint received 2023-07-31
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 
15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consume reporting agency can not furnish a section without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2 ( a ) ( 1 ) : states 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 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (IL)

I wasnt able to make payments during the months of XXXX ( XXXX, XXXX, XX/XX/XXXX ). I contacted Wells Fargo and they said they would postpone the payments and would even put the payments at the end of the loan. In XXXX Wells Fargo repossessed the car with out notice, they demanded the 3 months of XXXX payments plus an additional 2 months. I was forced to pay the towing of the car and storage of the car. The car was also damaged by the tow truck company. In total I paid for {$10000.00} to retrieve the car for {$2400.00} in Covid Payments.
Consumer complaint received 2017-04-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA BANK is not an average bank, its an average insurance company, no they are above average ; meaning they XXXX, liars, sinners, and work closely with all the XXXX of theivery, I am building a huge case against them, i have several letters from regulators agreeing with my finding after USAA BANK Was investigated. They can not be trusted, they buy their BBB credit rating and no doubt pay for their positive feedback cause I never met ONE PERSON who has not had same issues as me, they are disgusting and I refuse to let go of what they did to me, I hate them. After being robbed of all personal belongings, and idenity theft several times, and even with police reports and witnesses, the bank and insurance company USAA, closed XXXX of my savings accounts with {$7500.00} and kept the money, they also in over XXXX areas never paid out on insurance claims. They also illegally reported credit card to collections. I have proof that I put a lot of time in to trying to work with them with no effort on their end as well as I have phone messages by them that go against what CALIFORNIA and LAS VEGAS INSURANCE investigated. As well as many other issues.
Consumer complaint received 2024-03-28
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. (CA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts
Consumer complaint received 2024-03-28
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. (NV)

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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TRANSUNION CREDIT REPORT SHOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX THAT WAS PAID OFF VIA REFINANCE WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STILL SHOWING ~ {$28000.00} BALANCE. 

THIS IS NEGATIVELY EFFECTING MY DEBT TO INCOME RATIO. 

PREVIOUSLY DISPUTED AND REQUESTED CORRECTION HOWEVER NOT CORRECTED DESPITE PAYOFF LETTER SUBMITTED. 


ATTACHED : PAYOFF LETTER FROM XXXX XXXX XXXX XXXX XXXX XXXX  STATEMENT SHOWING XXXX BALANCE REFINANCE LETTER VIA XXXX XXXX ATTACHED
Consumer complaint received 2022-11-29
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. 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 Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2023-06-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-10-31
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: The Savings Group, Inc. (MA)

On Monday XX/XX/XXXX, I saw two credit checks on my credit report that I did not recognize but it was too late to do anything. On XXXX morning I received a call stating that I applied for an auto loan refinance with 'rategenius ' and that they had pulled my report and were calling me to follow up. I informed them that it was not me and they said that the info came from rate genius and I would have to follow up with them. I followed up with Rate Genius and informed them that my identity was stolen and asked them to provide me the authorization they claim they received from me to give my social out to different companies. They claim that this is proprietary information and they are unable to share it with me. They refuse to take the credit checks off my report and refuse to provide me with any evidence that I provided authorization.
Consumer complaint received 2016-04-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NAM National Arbitration and Mediation (TX)

a person from a company called ADR called and said they were trying to collect a debt on behalf of health management associates in the amount of XXXX. I said I didn t have a problem paying this but I wanted more information because I did n't know if they were scamming me. they I asked for the name of the original debt he said he did n't have that info and it was against the hippa law to give that info out. he said I was sent several notices and I said they were sending them to the wrong address and would they send me something to the correct address and he said no if I did n't pay this today they would be moving forward and sueing me for the full amount of over XXXX so I used my cc card and paid them. I asked him to tell me what doctor or hospital this was for he said he did n't have this information. I called them back and tried to get the name of the company and the woman hung up on me. I think I got scammed and I 'm in the process of disputing the charge.
Consumer complaint received 2024-03-28
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LK Manley, Inc (VA)

I have on several occasion disputed this collection debt with Valley Credit Service Inc. I have asked for documents with my signature via a debt validation twice and they have only supplied me with a bill that was {$480.00} and now they want {$690.00}. They have reported this to the credit bureaus and failed each time to submit docs with a valid signature of mine showing that this debt was mine. We are military and they cover my XXXX so I know this was bogus.
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (KS)

I scheduled a payment for my Chase credit card on XX/XX/XXXX. The next payment was due in XX/XX/XXXX. Please refer to my attached statement and screen prints. On XX/XX/XXXX, I received a notification that the account was past due. So my wife called Chase. 
My wife spoke to a representative named XXXX around XXXX on XX/XX/XXXX. He stated that although the account bills on XX/XX/XXXX, the statement is not mailed until XX/XX/XXXX. Therefore, the payment was processed for the prior month. He waived the late fee and confirmed our 0 % interest rate was still good until XX/XX/XXXX. 
The main reason why I am filing the complaint is the date on the statement. Their system clearly shows the billing date as XX/XX/XXXX and the statement also reflects XX/XX/XXXX. The statement history also shows it comes out on the XX/XX/XXXX. Therefore, when a customer is scheduling a payment, he or she would assume the payment would be applied to current statement if the date paid coincides with the date on the bill and their online system. I should not have needed to make a second payment in the same month to prevent it from appearing like it was past due. Going with a statement mailing date, XX/XX/XXXX, rather than what is printed on the bill and listed on their online system seems like a pretty archaic way and incorrect way to process payments, specifically because customers rely on online data to schedule payments on accounts. I am sure lots of customers have received late fees for this reason and have needed to make two payments in a month to rectify the situation. 
I am attaching the statement and screen shots of the account for your records.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to formally contest a series of errors, discrepancies, and unfamiliar accounts that have emerged on my credit report. After a thorough examination of the information provided by your agency, I have identified the some inaccuracies. 

See attached letters for the details :
Consumer complaint received 2022-12-21
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies still that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to correct this misinformation on my file XXXX XXXXXXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NV)

Please see complaint XXXX. 

XXXX XXXX reported collection owed to the credit reporting agencies for myself and my wife, XXXX XXXX XXXX, even after we previously complained that their collection is without merit or evidence. 

As stated in the prior complaint. There was no evidence of smoking and receipts were provided for cleaning. Again the home was left in better condition than it was given to us. We have photographic evidence and yet XXXX XXXX ignored the evidence through their " resolution '' system. They also ignored the previous complain and went forward and ruined our credit.
Consumer complaint received 2016-01-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Niagara Credit Recovery (NY)

I was contacted by a company called Niagra Capital Recovery and they gave a phone number of XXXX. They left a message stating that they went to my house to serve me papers and since I was not there the suing party was going to take action without my knowledge ( which I think is illegal - I think you must be served papers and that they make multiple attempts to do so ). If I did not call today they would get my wages garnished without my knowledge and it could result in jail time. They gave me a case number. I called the number and got voicemail which is very strange since I called XXXX and most debt recovery places are open until at least XXXX XXXX. I explained I wanted proof of the debt before anything happened but no one called back. I keep getting phone calls ( from what I think are the same people ) at my job and once they find out it is me on the line they just hang up. It 's kinda scary. I looked them up online and no legit business website exists and many have reported them as a scam. I pulled my credit report after and did not see them listed on there.
Consumer complaint received 2024-03-28
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. (GA)

I recently pulled my credit report and realized that someone was using my personal information to apply for credit/loans in my name. I have filed my FTC report for identity theft and have notified all the credit reporting agencies of this matter, including sending verification documents to XXXX and they have yet to block the creditors that are in my FTC report from showing up on my report while this is in investigation PURSUANT15 U.S. Code 1681c2 ; 15 U.S. Code 1681e ; 15 U.S.C 1681 section 602 A. 

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 2022-11-29
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. (MS)

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 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