davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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)

It has come to my attention that XXXX XXXX  is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to XXXX USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). 

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX  15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$620.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-03
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 sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. Here is my Tracking Number # XXXX XXXX XXXX XXXX XXXX. However the Credit Bureaus said the completed the Investigation and EVERYTHING was 100 % Accurate. 

According to The Law 15 U.S. Code 1681a- Definitions ; Rules of Construction. 

The Term " Investigation Consumer Report " means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to.???? 

How did they complete this INVESTIGATION??????
Consumer complaint received 2019-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I was recently switched from the XXXX  XXXX XXXX XXXX to XXXX loan servicing c/o Loancare for my mortgage. I did not apply for this change but I understand that mortgage servicers can sell loans. 

Since the start of my mortgage, I have auto-paid half on the XXXX of the month ( or close thereafter based on bank availability ), the remaining half on the XXXX of the month ( or immediately thereafter based on bank availability ), for payments that are due the subsequent XXXX of the month. For example, for a mortgage payment that is due XX/XX/19, I paid half on XX/XX/19, the remaining half on XX/XX/19, and the mortgage due XX/XX/19 was paid with those proceeds. 

Loancare recently received a half-payment XX/XX/19, a second half payment XX/XX/19, for a mortgage payment that was due XX/XX/19. Instead of applying the amounts to the payment, they chose to misdirect my first half-payment on XX/XX/19 to unapplied principal, which was not at my request or discretion. This caused the payment due on XX/XX/19 to be listed as " late '', with an additional {$1100.00} still owing. 

I would like you to punish Loancare servicing for making this change that was not in accordance with how my past payments have been processed. I would ask you to force them to reverse whatever the XXXX they did with the XX/XX/19 payment and apply it to the regular mortgage payment. I would ask you to force them to make any corrections with the credit reporting bureaus that might have occurred due to their errors.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern : I recently received a copy of my ( TransUnion ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TN)

I check my credit at least 2 times a month if not more and I noticed there was an account called Affirm that had been opened in my name I contacted XXXX and disputed the said account And told them this needed to be removed from my credit report. And also contacted the company Affirm and told them this wasnt my account and to remove this from my credit report that I didnt open any account with them and never heard of their company and I disputed it with them I also requested they send me documentation verifying this debt, they didnt send anything to me and I have yet to receive anything from them. I disputed the account through both XXXX and Affirm. I also contacted my bank and closed my account so to identity theft.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX 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 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (KY)

Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my XXXX, XXXX XXXX XXXX under the name 1.SBNA LENDER 2.SELF FINICAL These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!
Consumer complaint received 2023-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (VA)

On or about XX/XX/XXXX, I sent a payment to GM Financial via priority mail using the coupon or remittance slip that came attached to the " statement '' for the amount of {$520.00}. 

On XX/XX/XXXX I sent a payment to GM Financial via certified mail # XXXX, it was received by GM Financial on XX/XX/XXXX. The payment was in the form of a coupon or remittance slip that came attached to the " statement '' for the amount of {$1000.00}. 

On XX/XX/XXXX I sent an Affidavit of Truth to GM Financial XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX via certified mail # XXXX and it was received on XX/XX/XXXX. I attached a copy of the payment coupon I mailed that same day in the amount of {$1000.00}. The correspondence explained that I understood the laws and my rights and requested that GM Financial honor my lawful tender of payment. 

On XX/XX/XXXX I sent a Billing Error Dispute to GM Financial via certified mail # XXXX and it was received on XX/XX/XXXX. I still have not received the proper reply required by XXXX CFR XXXX. 

On XX/XX/XXXX I sent a payment to GM Financial via certified mail # XXXX, it was received on XX/XX/XXXX. The payment was in the form of a coupon or remittance slip that came attached to the " statement '' for the amount of {$25000.00}. 

On XX/XX/XXXX I sent a second Affidavit of Truth, Notice XXXX XXXX to GM Financial XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX Suite XXXX, XXXX XXXX, TX XXXX via certified mail # XXXX and was received on XX/XX/XXXX. This correspondence quoted several laws alluding to my rights, the violations that GM Financial was making and the remedy I was requesting. 

On XX/XX/XXXX, GM Financial sent someone to repossess my vehicle even though I had submitted payments on time and technically have overpaid on the account. GM Financial has violated several laws throughout this process. They have continued to submit negative and derogatory information to my consumer report even though they received the billing error dispute and still have not responded to it. I have tried communicating via phone with GM Financial but I am talked down to, treated as I have no clue what I am talking about and threatened that if I want my car back I have to submit the type of payment that they dictate to me rather than the coupon/remittance slip which is still on obligation of the United States the same as federal reserve note or " dollars ''.
Consumer complaint received 2023-06-27
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. (DE)

I am writing to bring to your attention a matter of great concern regarding the re-reporting of an account and the failure to remove a disputed account from my credit report, despite providing proof of its inaccuracy. As per our previous settlement agreement, the account in question was supposed to be suppressed and deleted, and its continued presence on my credit report is a violation of our agreement. 

Firstly, I would like to address the issue of the re-reporting of an account. According to our settlement agreement, which was reached in XX/XX/2022, the account in question, XXXX XXXX, was to be suppressed and deleted from my credit report. However, to my dismay, I recently discovered that this account has been re-reported, despite our explicit agreement to remove it permanently. This re-reporting not only violates the terms of our settlement but also negatively impacts my creditworthiness, which has already suffered due to the presence of this account. 

I request that you take immediate action to rectify this situation by ensuring the immediate removal of the re-reported account, XXXX XXXX Acct # XXXX, from my credit report. Please provide confirmation once this action has been taken, as it is crucial to my ongoing efforts to rebuild my credit and financial standing. 

Secondly, I want to address a separate issue involving a disputed account on my credit report. I have submitted a dispute regarding an account attributed to XXXX XXXX XXXX, which I have never had any affiliation with. I provided substantial evidence, including documentation proving that I do not hold an account with the reporting creditor. Despite my efforts, this disputed account remains on my credit report, and it is imperative that it be removed promptly. 

I kindly request that you thoroughly investigate this matter and take the necessary steps to delete the disputed account from my credit report immediately. I have attached copies of the relevant supporting documents for your reference. Furthermore, I would appreciate timely communication from your department to inform me of the progress and resolution of this dispute. 

Failure to address these concerns and resolve the aforementioned issues in a timely manner would leave me with no choice but to seek legal remedies to protect my rights as a consumer. I trust that TransUnion, as a reputable credit reporting agency, will handle this matter with the utmost seriousness and urgency it deserves. 

I look forward to a prompt response and a swift resolution to this matter. Please find enclosed copies of the relevant documentation supporting my claims. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have been dealing with the bureaus for a while now. All through out these process, my life has been so much affected, my job, my livelihood. These items are not verified otherwise, the bureaus showed me how they verified these. I have been asking for the method of verification from them, but to no avail. 

I feel that my rights have been violated over and over again. I need these items reviewed and removed from my report.
Consumer complaint received 2023-02-11
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. (FL)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been dealing with the bureaus for a while now. All through out these process, my life has been so much affected, my job, my livelihood. These items are not verified otherwise, the bureaus showed me how they verified these. I have been asking for the method of verification from them, but to no avail. 

I feel that my rights have been violated over and over again. I need these items reviewed and removed from my report.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received my consumer report and all my personal information is wrong Correct Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-11-30
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

Between XX/XX/XXXX and XX/XX/XXXX I filed a dispute on blue tooth wireless headphones and a gaming controller that are both defective, Order date for headphones is : XXXX XXXX oder # XXXX - XXXX - XXXX dollar amount {$24.00}. The gaming controller was ordered on XXXX XXXX order # XXXX - XXXX - XXXX dollar amount is {$30.00}, I received the headphones on XXXXXXXX XXXX  received the gaming controller on XXXX XXXX,, The issues with both items occurred between XX/XX/year> & XX/XX/year>, also between those times, after speaking with representatives with Chase Visa concerning the defective products ordered from. Amazon I was told I would receive a temporary credit within 48 hrs to 7 buisness days, after speaking with a Chase Visa Card supervisor on XX/XX/year> at XXXX I was told I have to wait 15 calender days for the merchant to refund the funds back onto the Chase Visa Card, if the Merchant refuses, then I will receive a temporary credit for the disputed amount, but according to Chase Visa Online information It states the account holder will receive a temporary credit within 48 hour to 10 days, which equates to the Supervisor Lying to me, also the disputed merchandise is no longer in my possession, and all contents inside the package was mailed to the address associated with the transaction activity details concerning both disputed charges, the address both disputed items were mailed to is XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX, I paid for shipping at a XXXX Store in XXXX GA in the amountof {$21.00} with my Chase Visa Card , tracking # is XXXX On XX/XX/year>, the impression that I'm receiving from Chase Visa leads me to believe that since the card is also associated with Amazon Prime Chase Visa Bank jas obligated itself to better accommodate the Merchant in an fraudulent and manipulative way, bottom line I no longer have the merchandise being disputed, based on Chase Visa, own, information the temporary credit shouldn't take 15 days.
Consumer complaint received 2022-04-17
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. (FL)

n accordance with the Fair Credit Reporting act 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