davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-14
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)

XXXX was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, XXXX removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.
Consumer complaint received 2018-02-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (NJ)

This company has been calling me incessantly for months now. They call and as soon as the call connects to a representative, they hang up ... as though they are trying to force you to call them back. I spoke with an agent on XX/XX/XXXX and asked who they were. They advised me that they were calling regarding a debt from XXXX where I owed {$130.00}. I advised them that their claim was fraudulent as I have been insured for the past 15 years through the same company and my maximum co-pay amount is {$100.00}. I further advised them that this debt was settled through another company XXXX XXXX. They hung up on me and have proceeded to call me multiple times daily since. I contacted XXXX regarding they debtor. XXXX  conducted an investigation and found their claims to be fraudlent and deleted the collection from my credit report. Today, XX/XX/XXXX, the same thing happened. I spoke with a representative and advised her that I was going to report them to the XXXX XXXX XXXX and the representative told me to go ahead and hung up on me. I am tired of being harrassed by this agency, who clearly does not own this debt!!! They are scammers who are trying to bully me into paying a false debt ... and damaging my credit to make matters worse!
Consumer complaint received 2022-10-27
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. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}
Consumer complaint received 2022-10-27
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: CCF Intermediate Holdings LLC (CA)

XXXX XXXX has continued to make contact with me via mail after I have asked them to cease and desist any communication with me. This is a direct violation of the FDCPA. Communication is defined as conveying information regarding a debt directly or indirectly to any person through any medium. I never asked XXXX XXXX to obtain copies of any contract or related documents and mail them to me, I have never asked for validation or verification of this alleged debt. 
This company is making an effort to collect off of an extension of credit by extortionate means by furnishing negative information to my credit report in an effort to coerce payment from me, 18 USC 894. My social security number was used in connection with this transaction and I am aware that my SSN belongs to the Social Security Administration. Anything obtained with that number is the obligation of the United States. Being that XXXX XXXX is attempting to collect this alleged debt makes you guilty and in violation of the false claims act ( FCA ) 31 USC 3729-3733. In accordance with USC 15 1641, civil action can be brought against an assignee of a creditor. By XXXX XXXX continuing to make false claims that I am obligated to pay a debt and ruining my credit, you will be held civilly liable for tarnishing my credit reputation. I have never signed any paperwork with XXXX XXXX stating that I ever agreed to pay them anything. Whether this alleged debt was assigned to them or not does not make me liable to pay XXXX XXXX for something I never agreed to pay them. This company has used my personal and private information and has furnished this to credit reporting agencies which they never had my consent, written or otherwise to do. I DID NOT AND DO NOT CONSENT to this company furnishing this information to my consumer report. This by definition is considered identity theft 18 USC 1028A. They are also using my personal identifying information to try to collect an extension of credit by reporting my stolen information to a credit reporting agency to receive payment for an account that I never had with them. This is fraudulent and unlawful in nature. Any continued negative reporting of this account will result in legal action in Federal Court. XXXX XXXX has 15 days to delete the negative reporting or they will be sued for Defamation and for not complying with the FDCPA or FCRA. In addition, I will also be reporting this company to the FTC for aggravated identity theft and fraud.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

XXXX has now defamed my character saying that I doctored paperwork which is completely against my character I have been a victim of Identity theft I sent over all the necessary documents the payment obviously didnt got to them so of course the email reciept would be from the " XXXX '' company that received the payment I proved that my bank issued the payment and my proof that I recieved in my compromised email I should neot be held accountable for being a victim of Idendity theft. My deferment stared in XXXX of XXXX so there is no reason why rhey are charging me for a late payment on my consumer report it has caused me severe harm and injury and when the XXXX 'S UPDATE IT XXXX  GOES BACK AND REPORTS IT WHIC HAS DEVASTATED MY CONSUEMER REPORT.
Consumer complaint received 2023-12-08
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. (FL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2019-07-14
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)

To whom it may concern : written you three time already about accounts in my credit that do not belong to me, you have refused to remove from my credit. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/2018 I received a message from my banking institutions loss prevention services regarding an attempted transaction for {$150.00}. I flagged the transaction as unauthorized and my XXXX debit card was deactivated. When I called the bank in the morning, they cleared the transaction and deducted {$150.00} from my checking account. I then contacted the company that initiated the transaction and found out that they use a service offered by XXXX called XXXX XXXX XXXX  and that if your billing information is out of date, they receive your current bank account information so that they can continue to charge your account. I then called my banking institution and asked to opt out of their updating services as I am very concerned that they willfully provide my banking information to XXXX and/or merchants without my knowledge or consent. The customer service representative said there is no way to opt out of this service and nothing can be done to prevent my bank or XXXX from providing my current account information to merchants. This is very alarming that my banking institution will provide my account information to anyone other than myself but then to tell me there is nothing I can do to protect my financial information is absolutely ridiculous. Banks need to protect my information, not freely distribute it like they are doing with this so-called service.
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Capital Eleven Auto, LLC dba Capital Auto Loan (UT)

I got refered to them by my my son and they approved me but didnt no it was such high interest I had never got one before so at XXXX percent my payments of XXXX dollars was going all to interest never the veihicle and Im a single mom I XXXX my job because this vehicle is a lemon and engine blew on it 52 days after I got it I kept having problems took it in 2 times before engine went out when I got it back my check engine light was on and they said they dont no why and I needed my car to get to work and kids to school thats why I went and got it because I was in awreck that totaled my old one and so after replacement of engine because I did pay for service contract but they wanted me to pay for it to be towed and I could not afford that I did pay for it once and it was free from my insurance once and it broke down again after I had engine replaced power steering went out speed sensors on tires was broken traction control broken eqaust had holes in them I could not pay payment and mantaninse on it to I XXXX  my job then I couldnt pay payments with no way to work I put maybe 1500 miles on it at most
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

2013 I filed for bankruptcy on my business in chapter XXXX bankruptcy, my house in it and my mortgage lender sold it to Ditech, telephone number XXXX. Loan # XXXX. I did not included my home in the payment to the court and pay it directly to the Ditech, during the course of the bankruptcy they failed to contact me or my attorney of any changes to my loan as far as the escrow changes etc, the never want to talk to me even when my attorney gave the okay to deal with me directly. The fixed amount that was transferred from the old lender was changed immediately my bankruptcy was over and they are claiming I missed payments which they can not prove. I have tried so many times to resolve this but we never reached anywhere.. please intervene to resolve this on my behalf.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2022-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

In XX/XX/2021, I opened a checking account with Citibank. I had did a transfer of {$5000.00} from my previous bank to Citibank. Soon after Citibank chose to close my account towards the end of XX/XX/2021. They advised me that they will be sending me a check for my remaining balance which is {$5000.00} within 90 days. After 90 days I did not receive any check from Citibank I have called them almost 3 times a week, leading up to today. They have given me the run around, Ive been hung up on multiple occasions, I have been promised that they will be mailing out a replacement check but to no avail. Its been XXXX XXXX yr since they closed my account and I have not received my money of {$5000.00}.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Months ago, I sent the XXXXhree credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-03-15
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. (NC)

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.
Consumer complaint received 2022-10-27
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. (CA)

I visited XXXX to apply for phone service and I was asked to pay a down payment. I was confused because two weeks prior I was approved for a XXXX credit line with XXXX. I went on line to check my XXXX and noticed it dropped 94 points. My credit history has been improving. I have been paying my accounts on time but for some reason XXXX dropped my credit score 94 points. I will be disputing it directly with XXXX but because the company is outsource there is a severe language barrier. Before the drastic drop in my score without warning my score was gradually going up and stopped at 666. Now I'm at 572. The reasons for the drastic drop does not add up. I read that Experian is going through some legal issues regarding a glitch in their system and Prior to this I also notice XXXX was removing things from my credit report that were not being disputed like my name and business history. When I questioned it and tried to dispute it it was not resolved. They also kept adding and removing the same two accounts that I did dispute XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX when they should have been deleted permanently and not re-added. I also notice lots of inquiries on my report from XXXX and unsure why?
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.