davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2023-07-30
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. (LA)

ACCORDING TO CONSUMERS LAW I NEVER GIVEN ANY COMPANY PERMISSION OR SIGN-UP FOR ANY REPORTING TO MY CREDIT REPORT NEVER EVER!!! 

THIS IS THE LAW
Consumer complaint received 2019-06-20
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. (FL)

XXXX, TRANSUNION AND XXXX IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX   XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX INQUIRIES THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-11
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Consumer complaint received 2023-05-01
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. (GA)

I have already sent a method of verification to the credit Bureaus asking them to verify the debt. They have already said that these items were verified correctly. My credit report Are still showing inaccuracies. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnished 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 2023-07-31
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. (NY)

Months ago, I sent the three 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 delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-20
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. (NV)

I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XX/XX/XXXX, my son opened a XXXX XXXX credit card account and added me as an authorized user to help boost my score so that I can pursue the purchase of my first home. XXXX XXXX has reported this account on all 3 credit bureaus since it has been open and after more than 3 years, my score was finally where it needed to be to start the mortgage process. However, in XX/XX/XXXX, Transunion failed to report this account and stated that it was removed. My FICO score immediately dropped 46 points, leaving me with a score that no longer qualified for a mortgage. The first action I took was a call to XXXX  XXXX on XX/XX/XXXX to inquire about why my account was removed from Transunion ( it still shows on XXXX  and XXXX to this day ). No one had an answer for me, but the customer service rep was able to verify that I was still an authorized user on the account and that is was in good standing. She told me to contact Transunion to have them pull up the information they had sent for reporting. I then called Transunion as directed and they said to call XXXX XXXX back again and tell them to resend the information because they were not showing anything. Still, no one can tell me why it was removed in the first place and I can't dispute something that is missing. I called XXXX XXXX back and told them what Transunion told me and XXXX XXXX assured me that they have submitted my account information to them already and that it may take a few days after the statement closing date ( the XXXX of each month ) to appear. I gave it some time to see if that would happen. And of course, it did not. On XX/XX/XXXX I called XXXX XXXX back to inform them that it still has not been reported on Transunion. Again, they verified my account in good standing as an authorized user and assured me that they have submitted my account information to all 3 credit bureaus. Due to the lag time it takes the bureaus to update the information it should show up a few days after the XX/XX/XXXX statement closing date. As of XX/XX/XXXX it is still missing from Transunion, but currently reports on the other 2 bureaus. Documents and statements are being submitted with this complaint against Transunion to support my claim. I have worked diligently to improve my credit so that I can finally become a homeowner. But Transunion 's gross negligence of not reporting this vital information that has been furnished by XXXX XXXX on my behalf has prevented me from qualifying for a mortgage. Someone wrongfully removed my account and the devastating effects were immediate. I should not have to wait 45 - 90 days for it to be fixed.
Consumer complaint received 2016-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (AZ)

I attended XXXX XXXX XXXX XXXX in XXXX in XXXX. FirstMark Services is currently the debt collector .XXXX is the entity that controls FirstMark . They are unable to verify the balance and it is completely wrong. They are unable to explain where or how the interest is calculated. I have asked for a breakdown over and over again. What they have sent me is insufficient because the numbers do n't add up. I have made numerous payments that I have not gotten credit for or been itemized. I wrote a check for {$62000.00} which I doubt was credited correctly. I have not gotten credit for any payments made between XXXX which is impossible. I would have been in default and I never defaulted. I have forensic accountants to prove that FirstMark/XXXX is simply making a number up and can not prove it. I believe they are in violation of the FDCPA as their actions are unconscionable and I expect to be compensated. I want them to answer the forensic accountants questions. 

Further, they have called me numerous times before XXXX Again, a violation of the FDCPA that I expect to be compensated for. This is a sloppy organization that ignores the FDCPA .They do n't know what my balance is based on. They are unable to accurately itemize past payments made. They call me at unreasonable hours. I want a breakdown that shows every single payment that I ever made to FirstMark/XXXX as well as how every single charge was made. If they are unable to do so, I expect to be compensated.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$22000.00}.
Consumer complaint received 2023-07-31
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX , GA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXXXXXX  XX/XX/XXXX.
Consumer complaint received 2023-07-31
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. (MI)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TN)

I received a letter in the mail on the XX/XX/XXXX from XXXX offering a settlement on title loan whichhad me puzzled. I had gone to XXXX shortly after getting loan on car and had informed company I was in XXXX   and would be there for a long length of time and to please pick up car due to my inability to pay. I called and was informed that XXXX never pick up vehicle after my request but instead after car sat on property for almost a year and apartment building was being remodeled landlords had car towed. Company informed me paperwork and documentation was sent to myself and XXXX but was never pick up by me due to being in XXXX.XXXX did npt pick up car.fast forward XX/XX/XXXX I call said company 3 times the first time to try to get a clear understanding of what was going on. The second was discuss possible payment but I needed more information which was meet with hostility. The third time I just attempted to pay then I was informed that the offer supposedly expired XX/XX/XXXX.I informed agent that letter was printed on XX/XX/XXXX and that it was mailed from Texas and XXXXhat I had received it on XX/XX/XXXX and  that the next business day was Tuesday since XXXX XXXX was Monday and the letter did not list a expiration date. Again agent got hostile which made me angry and need to end the call
Consumer complaint received 2019-06-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Thunderbird Collection Specialists, Inc. (AZ)

XX/XX/2019 - Statement date from original provider XXXX XXXX with a 30 day payment expiration notice, amount owed/balance of account on statement {$300.00}. 

XX/XX/2019 - Notice of collection from Thunderbird Collection specialists ( TCS )  demanding payment for {$8200.00} Notice of collection dated three weeks prior to payment due date from original provider. 

The original provider was contacted and I was told that I had no choice but to talk to collection agency, despite the statement notice did not expire until XX/XX/2019. 

XX/XX/2019 - Validation letter was sent to collection agency, ( TCS ) requesting validation of the account. Validation requests included itemized account of charges, ledger, proof of services, my signed authorization for this specific account. I have not now nor have I ever sought medical services from the provider and am confident that no such medical agreement exists. I have requested this documentation and the provider and now collection agency will not comply with my request. 

XX/XX/2019 - TCS responded to validation letter and only provided a statement balance. The did not provide any of the debt/account validation documents requested. 

XX/XX/2019 - I was contact by a representative XXXX by phone at XXXX XXXX, XXXX phone no. XXXX. XXXX identified her self as Calling with " TCS representing their client XXXX XXXX. TCD did not identify themselves as a collection agency. TCS representative stated if you do not pay this we will move forward with this case in favor of our client. When asked for clarification on what she meant by this statement, she replied again that they will move forward with this case in favor of their client. I responded that I will send corresponded in writing. Representative XXXX then began to ask me multiple times over and over again have you ever been sued for debt you owe I asked her what she trying to imply, and she continued to threaten to sue me. 

She specifically referred to XXXX XXXX as her " client '' and that they would mover forward with the " case favorable to their client '' then threatened multiple times to sue me. 

Attached is all that I have received and the dates are inconsistent and the actual services/account unfounded.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid 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: CITIBANK, N.A. (HI)

I hav e the Citibank Double c ash back credit card. From  XXXX   XXXX , there were unauthized charges to my account. I disputed the charges on or about  XXXX   XXXX . I was told I was not going to be charged for these amounts. On or around  XXXX   XXXX , I was credited approxim ately 1/4th o f the fraud charges. On  XXXX   XXXX , my automatic bill pay took a large sum from my bank account, which included {$1400.00} in fraud charges.   
Citibank will not release this money back to my bank account until they " do a full investigation which could take 2 billing cycl  es. '' I want my money back immediately. I 'm prejudiced by not having this money.
Consumer complaint received 2023-07-31
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. (TX)

In accordance with the Fair Credit Reporting act 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 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 2023-07-31
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. (AR)

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2019 XXXX deleted 2 Public Records (  Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 XXXX turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my  XXXX   Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

I am requesting the same request, from TransUnion as well. TransUnion did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my TransUnion  Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY!

XXXX  has removed both of the Public Records ( Bankruptcies ), from my XXXX Credit Report, due to inaccuracies. Thank you XXXX. 

XXXX  and TransUnion has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.