davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This company reported to my credit reports with not authorization on doing so. Never contacted me regarding this debt and now my credit score dropped due to this collection that I'm not responsible of. 

I need this to be removed immediately from my credit reports. 

Name of Company : XXXX XXXX XXXX Account # : XXXX Balance : {$1700.00}
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Integrated Recovery Services (GA)

XX/XX/2018 Calls came to my mothers cell phone and also my work phone pertaining to a debt that I am unaware of and is not listed on my credit report. The company never offers information of the original lender or company. They just call and leave very aggressive messages.
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MO)

On XX/XX/ I sent to credenence resource management a request for a debt validation pursuant to 15 USC 169g to them by certified mail. 
I went to check the status of the delivery and it said that the address was unknown and the letter would be returned back to me. So I checked the address again on my credit report and that was the right Address they had listed on my credit report. This company is reporting this on my credit report and the companys address to contact them is wrong.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

On XX/XX/2009 I got behind on my payments at which time I contacted my mortgage company, which was XXXX. I requested a modification. I filled out the necessary paperwork and did receive the modification. However, I feel that the modification was not a way to help me but for my mortgage company to get more money in the long run from my misfortune. I feel this action is reflective of predatory lending and that I, being a senior citizen, have been taken advantage of. Due to time constraints, facing foreclosure, the mortgage company extended my loan to a 40 year long and attached a {$44000.00}. lien. Now, years 1-5 at a payment of {$1500.00} I paid {$95000.00}. Year 6 I paid {$21000.00}, year 7 I paid {$23000.00}, year 8 to date I paid {$17000.00}. This is a total of {$150000.00} give or take a few small adjustments. Now having said that I am not even close in time to where I started at when I recd this modification. I still owe 32 years and 4 months at {$2200.00} per month. I am now XXXX years old. At time of maturity I will be XXXX years old and I will have paid back {>= $1,000,000}. All for a {$350000.00}. loan and for a house that is now worth approximately {$280000.00}. I would say I am stuck. The principal balance still remains at {$320000.00} after paying for 8 years and 8 months the sum of {$150000.00}. I have contacted Nationstar and ask for a breakdown of the {$44000.00}. and have not recd that breakdown. At this point I would love to get out from under this nightmare but as you can see I am pretty much stuck. I am requesting an adjustment of the {$44000.00}. Nationstar has already more than tripled their profit and I am drowning. Please help me with this issue and I am not getting younger and this is affecting my health. Thank you for your help.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (IL)

I have tried repeatedly to resolve an issue with Credit Karma for over a year. I have emailed them to let them know that I am not able to access my account because my phone number associated with the account when I set it up over a year ago ( XXXX ) XXXX was puned or taken over by someone else. Credit Karma ignored my requests to help change the number associated with the account and then to close the account. I received numerous emails from them that say things like someone added you as an authorized user on their credit card and that they received the information from XXXX XXXX. When I contacted XXXX XXXX they said that they did not have any information about me being added as an authorized user on someone's credit card. I have had a lot of issues with identity theft and the fact that Credit Karma continues to keep my account open and I do not have access to it is very concerning to me. I would appreciate any help that you could give me as Credit Karma ignores my request to close this account.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Credit Corporation (GA)

US Auto Cr of JXXXX, Fl keeps reporting that I had an auto Loan with them I do not. I every time I dispute it with the credit bureau it comes back as verified and they will change the amount and they type of loan.I have requested the loan documentation numerous times over last XXXX  years and they have failed to respond. I repeatedly told them that I didnt request and auto loan and that I want the loan documents so that I can file a report but they have not responded. I bought a car XXXX XXXX of XXXX, Fl. On XX/XX/2015 it was a buy here pay here lot .USAuto Cr was supposed to be a payment processor. I never agreed to any third party financing nor did I authorize any one to enter into a loan agreement on my behalf.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

My father is an elderly XXXX XXXX XXXX man who moved out of his apartment due to his partner 's XXXX XXXX When he moved out he delivered his last rent check by hand to the front desk. He thought he was done with the apartment. 

Months later, we discovered on our credit report that we have an outstanding balance with our old apartment building. Well, we never got any notices about this. How would we know to pay this? 

It was apparently sent to collections, who also did not notify us. They claim they did not know our current address and sent the notices to the same address for the apartment we had just moved out of! Obviously that is not going to work and we would not have received that notice. Our credit report clearly shows our current address and they also could have called us, but nobody called or contacted us. 

Thus we never received fair notice that we could pay or dispute the debt. The debt is apparently for all sorts of move-out charges we were not made aware of ( and would have been happy to pay ). 

This should never have been sent to collections. We called the collections agency to explain this but they refused to assist and keep insisting that they provided sufficient required notice. They also lied to us and told us it would be illegal to remove the information from the credit report in error and that our only option was to pay it.
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. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX  # XXXX XXXXXXXX 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 right to privacy.

15 U.S.C 1681 section 604 A : 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 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This Consumer Credit Reporting Agency received a letters from me demanding them to remove a bankruptcy and other accounts related to that bankruptcy from consumer credit report. In the letters I advised them that they are violating 15 usc 1681 by not respecting my right to privacy and also violating 15 usc 1681b by reporting those item with out having the written instructions of the consumer to whom it relates. They did a " investigation '' and updated the files on my consumer credit report. In the conclusion of that " investigation '' I did not receive any paperwork from the credit reporting agency to prove that they did a accurate investigation ( 15 usc 1681g ( a ) ( 1 ) ).
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (MN)

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 XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

Good Afternoon, My name is   XXXX   XXXX   I have been working on my credit for the pass few months. I notice a new change on my credit report from Credit Management, LP   XXXX   XXXX   XXXX    XXXX , TX  XXXX . I have never received a letters from them indicating where and how I owe them or when did I start services with them. I have disputed this with the Complaint ID # :  XXXX  Business Name : Credit Management, LP on   XXXX   XXXX   as well. I had a Fraud Alert on my credit since 2008 I want this company to resolve this matter as soon as possible if they provide proof that I owe them with a valid contract this is effecting my credit report.
Thanks
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-11-24
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX
Consumer complaint received 2017-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both Trans Union and XXXX show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.
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: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

As Company previously stated they sent validation on XX/XX/2023 I still have yet to receive any information regarding my dispute with the company as the 30 day period has ended and it is still reporting to my consumer report UNDER THE ( FDCPA ) A COMPANY HAS 30 DAYS TO RESPOND WHICH MEANS THE LETTER MUST BE IN MY HANDS WITHIN 30 DAYS THE XXXX WAS A FRIDAY NO MAIL WAS SENT SATURDAY MAIL DOESNT GET DELIVERED SUNDAY SO MONDAY THE XXXX NO MAIL CAME STILL AND IF THE COMPANY MAILED IT OVERNIGHT TO BE DELIVERED ON SATURDAY THE XXXX I NEED TO SEE PROOF IF THIS ACCOUNT IS NOT REMOVED IN 4 DAYS THIS OPENS THE ACCOUNT UP FOR LITIGATION
Consumer complaint received 2023-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc. (MD)

I was not aware of the debt and it does not belong to me.I was not provided a contract with American Collections of the debt as requested. I have ask for many times for the information of the contract I have with them. I never signed one. 
American Collections has been in violation of code 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

I have a right to privacy and never been verified accordingly with a contract. Please have this medical items deleted for the XXXX medical account from all the credit beauru for being inaccurate.
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: EQUIFAX, 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 2023-07-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (CO)

in XX/XX/2023 I went a concert I parking my car in a spot available, I saw a XXXX XXXX for pay XXXX dollars for the parking, but the online service dose n't work I waiting for 45 minutes and nothing happen I was late for the concert I pay a good amount of money. After this I receive a collection note for XXXX dollars and threats. I want to pay the parking spot, but I coulde n't. For me is a form a theft because their system dose n't work I have to pay extra money for a parking spot.
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: EQUIFAX, INC. (IL)

To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX
Consumer complaint received 2023-02-02
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. (VA)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX