davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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. (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 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 2022-05-21
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)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate, and the ldate last reported is inaccurate. this is grounds for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. states i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
also the credit bureaus took more than 30 days to investigate
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (CA)

IXXXX XXXX XXXX XXXX  along side XXXX XXXX, Equifax, XXXX and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. You have until XXXX XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.
Consumer complaint received 2024-03-13
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. (TX)

XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX  is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, Transunion and XXXX are not an affiliate of XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2023-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I cancelled XXXX XXXX as I did not get stable internet. I cancelled service within 30 days of signing up and returned equipment. 

I kept getting bills and now I got a collection notice dated XX/XX/23 from XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account no : XXXX Amount {$210.00} I do not owe anything to XXXX XXXX and this is a bogus bill and collection notice.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (CA)

Idaho XXXX XXXX XXXX along side XXXX XXXX, XXXX, XXXX and Experian are all actively reporting incorrect information regarding a balance on an account. 

The balance is for {$6800.00}. This balance was paid in full, and has been for years. 

This needs to be removed, immediately, from my credit. 

This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. 

You have until XX/XX/XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.
Consumer complaint received 2022-05-21
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. (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 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 2024-03-12
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX ) HAVE NEVER SIGNED UP OR PLACED AN APPLICATION FOR A CAR. 

XXXX  XXXXXXXX XXXXXXXX XXXX ( finance ) havent applied for a loan ever XXXX ( bank ) not sure what this is but never applied for that as well XXXX XXXX ( Bank ) again never applied for a bank loan or credit in. a while so this is inaccurate. 

ive reached out to each of these companies and they have not fix this problem i need these unauthorized inquiries off my credit report removed and all.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Ive paid off my car loan more then 60+ days ago, entered dispute, TransUnion says they fixed it, XXXX XXXX XXXX says paid in full. Trans union closed dispute without fixing it. Claim made under FCRA for $ XXXX, TU has not fixed, reported again, $ XXXX, will not resolve. 
TU makes interaction exceedingly difficult and will not comply with federal law. Suggestion is to hold CEO ( and spouse, if any ) privately liable for pattern of activity is violation of fed law like XXXX  execs. Without this these executive officials will not comply or make needed changes to create an atmosphere conducive to protect the innocent. TU is instead, though obfuscation and deliberate infliction of emotional distress, imposing a chilling effect to refuse or fail to comply with federal law
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

I've disputed this account multiple times and it's been previously removed from my credit report but continues to return. After it was removed from my credit report there is no verification sent to me. It's negatively affecting my credit score and not allowing me to gain credit.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the XXXX XXXX  Account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX I disputed with EXPERIAN the accuracy of account XXXX XXXX # XXXX due to inaccurate dates and information. EXPERIAN stated the account was properly investigated. I am disputing the validity of their " investigation '' because the " Date Opened '' and " Date of Last Activity '' are both inaccurate ( please see attached pictures of the XXXX credit bureaus showing different dates. These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

On XX/XX/XXXX I also sent EXPERIAN a certified letter disputing the accuracy of account XXXX BANK # XXXX because of inaccurate information being reported on the account. The " Date Reported '' shows as XX/XX/XXXX which shoul have been updated if they had actually done a reinvestigation as mandated by the FCRA. They are also showing the date of last payment as XX/XX/XXXX yet under the payment history it clearly shows this date should have been XX/XX/XXXX. These are clear violations of the FCRA and the account should be removed from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states that only items that are true, verifiable, and accurate can be reported by the Consumer Reporting agencies - otherwise they must be promptly deleted from the consumer 's credit file.

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have five days to notify me they have received my dispute. I never received any letter or updated credit report from them.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (WA)

Since XX/XX/2022, my checking account has been assessed a - {$25.00} monthly service fee. The account has existed for years and had never been subjected to such a fee. Citibank claims this fee was assessed because the balance in the account was below the " minimum '' requirement and, allegedly, I agreed to such a fee when opening the account. 

The balance in these accounts has remained stable. In other words, there were no withdrawals in the years leading up to such fee assessments. Why did the monthly service fees suddenly start in XX/XX/2022? 

Upon calling and bringing this matter to Citibank 's attention, I learned that Citibank had unilaterally transferred this checking account ( and a savings account of mine ) to inactive status. This was despite my consistent monitoring of the accounts via the Citibank mobile app and Citibank website. 

In order to switch the account back to " active '' status, I was told to mail a signed declaration to Citibank 's service center requesting they " update my date of last contact ''. I followed these directions and the accounts are now active ; however, requests for reimbursement of those monthly service fees assessed while my accounts were in " inactive status '' have been repeatedly denied.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I did not consent to nor authorize, nor benefit from the account XXXX of Midland Credit Management , Inc.. Block and Remove account XXXX. 
XXXX XXXX President/CEO and XXXX XXXX Division Manager of Midland Credit Management , Inc . is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me for an alleged debt that has not been validated. All of Midland Credit Management , Inc. management, supervisors, and employees are in violation of a Cease-and-Desist order and are continuing to invade my individual privacy despite not validating this alleged debt per Federal Law. Pursuant 15 USC 1692g ( c ). I have not validated this alleged debt and my failure to dispute the validity of this debt shall not be construed as an admission of liability. Midland Credit Management , Inc. are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing these alleged debts to my consumer report that has not been validated.

As in violation to 15 U.S.C. Section 1692 ( a ), Midland Credit Management has no right to commit fraud and send my information to debt collectors. My request is immediate removal of all Midland Credit Management from my personal credit report. Thanks!
Consumer complaint received 2022-05-21
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: Southwest Recovery Services, Inc. (OH)

I have come to the conclusion that Southwest Recovery is not a legit company. I called and spoke to a lady named XXXX back in XXXX. I explained to her that the amount they are reporting to the credit bureaus are incorrect. The email they sent me of what the property management sent them that I owed I already had. We went over the statement, and I told her what I owed. She said she would call the property management and get back with me. She never did so I called back and talked to the owne, r XXXX who is very unprofessional. 

At first, he tried to tell me he didn't have an account with XXXX XXXX. He tried to argue me down. I told him I talked to a lady named XXXX and to look at the notes in the system. He checked and seen that I indeed talked to her. I asked what was the status of her talking to the property management? Of course, he was clueless. I told him how I'm willing to pay what I owe but the amount is wrong. He flat out told me there was nothing he could do, and I would have to pay the whole amount. I said no. I also asked if we came to an agreement can I get something in writing saying they would delete the account from my credit report, he claimed they don't send letters out like that, but when I called back and talked to another guy he claimed once the debt was paid he would send a letter out saying the debt was paid. 

XX/XX/2022, I get a settlement email out the blue saying they would take 25 % off the debt. The original amount is {$3600.00}. They know I'm desperate because I am trying to rent a house. I was willing to take the settlement so they could remove the debt off my credit reports but then when I called they said the offer was only good for that day and I have to pay it in full. 

How they don't want to listen to me and hear what I do owe but want to settle for an amount that they pulled out the air knowing they bought my debt for pennies on the dollar? I'm not about to pay for debt I know for a fact I don't owe. I'm going to keep disputing this to all credit bureaus until this issue is rectified.
Consumer complaint received 2022-05-21
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. (PA)

On XX/XX/22 I sent a certified letter to TRANSUNION disputing the accuracy of account XXXX XXXX # XXXX due to inaccurate dates on the account and a blatant attempt by the collection agency to try to re-age the account which is a clear violation of the FCRA XXXX TRANSUNION stated the account was properly investigated. I am disputing the validity of their " investigation '' because the " Date Opened '' is still inaccurate, and the " Date of Last Activity '' is also innacurate ( please see attached pictures of the XXXX credit bureaus showing different dates for " Date Opened and Date of Last Activity. '' These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. 

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have XXXX days to notify me they have received my dispute- they did not.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (NJ)

Hi, I had a gym membership with XXXX XXXX. Their payment processor is XXXX XXXX XXXX. I had this membership since XXXX. On my contract, it states that the membership expires on XXXX, but I have been paying literally for 3 years since. Over XXXX XXXX I stopped paying because I sent a letter of cancellation which they refused delivery of and it was returned to me. The contract states that it is void 36 months after its inception which would be XXXX. They sold my debt to First Credit Services in XXXX. This would not be valid because my contract is void and I already cancelled it by certified letter Therefore, I do not owe them a thing. In addition, First Credit Services has never attempted to contact me. I just found out about the debt this week when the gym emailed me when they emailed me and stated that if i paid, they would remove this from my credit. That is not how this works. I believe they breached my contract and are violating my rights.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Complaint : Both the Accounts shown below were settled in NJ XXXX order in XXXX XXXX, I made the final payment of ( approx {$4300.00} ) as ruled by NJ XXXX XXXX, this collection should be settled based on that court settlement and reported as settled. The court case was filed by the Apartment company, with who I had a dispute about XXXX terms. The name of the Apartments company is : they have 2 names : XXXX XXXX XXXX XXXX XXXX 1. 
Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date Opened XXXX/XXXX/XXXX Status Collection account. {$4300.00} past due as of XXXX XXXX. 


2. 
General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. 

This specific Apartments company called XXXX XXXX XXXX XXXX XXXX A O XXXX ) is notorious for cases and claims in Northern New Jersey they have multiple consumer complaints going on against them. 
They are crooked and very unethical Apartments rental company. when I was living there multiple cases with tenants were ongoing.