davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (OK)

BERLIN WHEELER INC WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM.

ALSO STATED : BERLIN WHEELER INXXXX IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE THAT I SIGNED A CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX. 

BERLIN WHEELER INC ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES.

FURTHER STATED : BERLIN WHEELER , INC FURNISHED THE CREDIT REPORTING AGENCIES WITH FALSE, FRAUDULENT, AND MISLEADING INFORMATION, RESULTING IN A MAJOR DECLINE OF MY CREDIT SCORE, AND DENIALS FOR CREDIT. THIS IS A DIRECT VIOLATION OF THE FDCPA AND [ FCRA 1681b ] WITH REMEDY UNDER [ FCRA 1681n ].

ACCORDING TO THE PUBLIC ACCESS TO COURT ELECTRONIC RECORDS ( PACER ), BERLIN WHEELER , INC. HAS BEEN SUED SEVEN PLUS TIMES OVER THE LAST TWO YEARS FOR DEBT COLLECTION HARASSMENT. 

THIS IS PRIMA FACIA EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). 

THERE IS NO PROOF TO THE CONTRARY.
Consumer complaint received 2021-02-13
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. (VA)

I was checking my credit report, and I had no idea about the accounts and multiple inquiries, that I am disputing. I have never had any contracts or I have never agreed to any of these accounts with my signature.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement.

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

Several months ago Capital One sent me a letter saying they were closing my account because I had not used it in 24 months. I owe no money - I always pay my cards off each month. I asked if I could go use it and keep the account and they said no. I got the card for travel and have not traveled in a while. Now I keep getting statements from them ( somehow, they owe me {$0.00} ). I called to completely delete my account and erase all my personal and financial information with the company. I spoke to XXXX, ID XXXX associated with their customer service number of XXXX. The phone connection was horrible ( I was using a land line so it was not me ) and I could not understand much of what she said, but the gist is that I can " change my preferences '', but can not delete my personal information. I do not, and do not wish to have an account with them. I do not want them to retain information about me, because I do not have an account with them. I want them to delete my account fully and delete any personal or financial information about me that they have. Why can't they do that? I can only tell you the last 4 digits of my account ( XXXX ) because I cut up and threw away my card months ago, and these statements I keep getting have only the last 4 digits. It strikes me as very wrong that this company can keep personal and financial information about me when I have no association with them. It is not right!!
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (KY)

On or about XXXX through XX/XX/2019, I filed a complaint to the CFPB, XXXX  and Theft identity about an unknown debt from XXXX  XXXX, LVNV Funding, under the name of Resurgent Capital Services. This company replied back to CFPB and the XXXX  stating that I was not responsible for this debt. This debt was taken off of my credit report. I reviewed my credit report under XXXX  and this debt is again on my credit report but under the name of XXXX XXXX XXXX XXXX. I am also getting repeated calls from this company. It appears to me that once the new Company, XXXX XXXX XXXX XXXX, bought out this debt from Resurgent Capital Services, that they are reopening this case. I have letters from Resurgent to both the CFPB and XXXX  stating the XXXX XXXX is not the responsible on this account. I want the calls to stop and this off of my credit reports.
Consumer complaint received 2021-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have an FHA Loan, the investor is XXXX XXXX and its serviced by the Mortgage Servicer Specialized Loan Servicing LLC ( owned by XXXX ). I was economically impacted by COVID-19 and I requested Forbearance before XX/XX/XXXX. Then extended it twice. 

My Forbearance is about to end in XX/XX/XXXX and I have communicated with the Mortage Servicer about 12 times in writing, and by call, to go over my options at the end of Forbearance. The total Forbearance amount is around {$30000.00}. Which I'm unable to afford. 

I specifically asked for deferral of the owned amount to the end of the Loan or putting them in a subordinate lien payable when I refinance, and I spoke with several people about this at SLS, they all replied that the Loan Owner / Investor ( which is XXXX XXXX ) does not offer that option. And the only option I have right now is to pay it all in a Lump Sum or apply for a Loan modification which is inevitably hurt my credit. 

The Mortgage Servicer is not approving a repayment plan, either. So I'm left without options. They should be able to offer more options than just Lump Sum re-payment. 

I hope you can help, thank you.
Consumer complaint received 2021-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A letter was sent asking for the proof of accuracy for information on my credit profile XX/XX/2020. A 609 letter was sent asking for an investigation into the accuracy of my address, name, social security number, and a late payment on my credit profile. A notarized copy of my drivers license and social security was sent along as well with the 609 letter for verification purposes. It was asked for my profile to be corrected and updated within the 30 day window allowed by the Section 611 of the FCRA as well as the accuracy of the late payment verified, but this request was not honored.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (MI)

I have a Fortiva Credit Card with a {$500.00} limit. The card has not been working due to unannounced freezes in which I never received any sort of heads up. Currently, XX/XX/2021 when you call the number XXXX XXXX XXXX it says that there is some sort of update in progress. I have not received any emails or literature about the update and received no notices about updates via WEB portal or mail. I believe it is a scam so I wanted to close my account because I have a card that I can not unfreeze or close. 

I have been trying to close my account now for 3 days and have been placed on hold excessively ( +15 minutes ) multiple times throughout the last 3 days. Each of the 9 different people I have spoken to have said different things about my account and why it is frozen, or why they cant help. I even tried texting them and chatting with them about closing my account and they do not respond after I say I want my account closed ( they ask for my email but never respond and I received no emails ).

At this point, they are stalling to earn interest and charging monthly maintenance fees and yearly fees for an unusable credit card account. They make it virtually impossible to close accounts. Impossible to use the card while they charge fees and accrues interest.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX 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 2021-06-23
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. (DC)

My vehicle loan with XXXX XXXX XXXX became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. XXXX  reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if XXXX took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (FL)

CREDIT COLLECTION SVCS XXXX XXXX XXXX XXXXXXXX, MA XXXX. Has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with company. The Company does not have a contract with my signature.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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  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 2020-04-08
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)

Transunion is re-aging and reporting incorrect data on my credit report.According to my credit report dated XX/XX/XXXX, collection account XXXX XXXX XXXX reporting an open date of XXXX XXXX. As of XX/XX/XXXX, the open date is now reporting XX/XX/XXXX. I have attached copies of my identity and information requested that the debt is actually mine for your review. Thank you for your time and assistance
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a mortgage application on XX/XX/2024 and had my credit pulled. On a mortgage application it is required to pull credit from all 3 agencies : XXXX, Transunion and XXXX. I DID NOT GIVE CONSENT TO SELL MY INFORMATION and My mortgage broker did not sell my information but the credit agencies did! XXXX, TRANSUNION, XXXX. How is it legal for them to do sell my information without my consent? How can other lenders/broker BUY LEADS from you without gettting the consent from the Mortgage Broker that I hired to represent me?! 

I received 40 phone calls in 1 day from other lenders and mortgage brokers offering their services and although i appreciate the opportunity to shop around for the best loan product for my situation, If I choose to shop around that is my choice and should be under my control. I do not want nor did I approve selling my contact information to these other lenders and brokers! I continued to get at least 20 calls and text messages every day for a week.

Please help protect consumers with this illegal activity. Thank you!
Consumer complaint received 2021-06-23
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: Phoenix Financial Services LLC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Mitigation Services, LLC (TX)

Debt Collector- Revenue Reporting XXXX XX/XX/21, called a relative not listed as a reference to address debt. 
On XX/XX/21, called a minor relative to address debt. 


Neither person have they been authorized to contact. When I called back, the rep ( XXXX XXXX ) threatened me with legal action and said it would be a forcible collection and I would be responsible for attorney fees. Threatened to call my husband to force him to pay and verify his employment.
Consumer complaint received 2021-06-23
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. (FL)

No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted immediately
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (IL)

Twice when I applied for a refinance on my home I was contacted by a debt collector about some emergency balance supposedly from 8 years ago in a city I do not live anymore and it went to credit bureaus delaying my mortgage process. When I asked for for detail of charges I was provided a name like XXXX XXXX XXXX XXXX, I checked on line it does not exist. There was a lot of back and forth. I disputed and finally it got off my credit report. 
Couple months ago I had to apply for a mortgage as I was moving due to job change, another debt collector reached out with the same thing, same story they did not know where the debt was originated, they got it from previous collector. It went to my credit report I disputed it got off After couple more months third time same thing this time from dynamic recovery solutions as soon as I bought my new house. This time I did not bother with disputing etc.. just settled and paid some money I supposedly owed to a doctor I have not seen, in a city I was not 9 years ago. I hope that is the end of the story but I also hope you can do something about it so no one has to go through same thing
Consumer complaint received 2023-03-31
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX & XXXX Account Number XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX Account 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. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-03-31
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2021-02-14
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: Experian Information Solutions Inc. (CA)

As of today, Experian has continue to leave inaccurate credit information on my credit report as reviewed on my credit report online. Several disputes have been taken but the request to remove an delete inaccurate information has continue remain my credit file. I have submitted a certified letter to Experian about the inaccurate information that is on my credit file from item XXXX XXXX. Experian can clearly see the information is not a match but has continue to leave fed loan on my credit report this is against the FTC. In result the inaccurate information does not match and a request to remove and delete this off from my credit report.