davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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)

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. 

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 2023-02-10
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: OneMain Finance Corporation (FL)

I received a credit inquiry om my XXXX file on XX/XX/2023 from Onemain Finacial Servives. This is a fraudulent loan attempt for bill consolidation in the amount of {$1000.00}. I did not request this loan and believe that someone has made an unauthorized attempt to obtain a loan utilizing my credentials. The contact email the requester submitted was XXXX.
Consumer complaint received 2017-07-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I am a XXXX XXXX XXXX veteran. As of XXXX, the state of Illinois approved tax exemptions of primary residences to XXXX veterans. 8 months ago, Loancare, a XXXX XXXX. NMLS # XXXX purchased my loan. In XXXX, I informed them that I was tax exempt and filed the appropriate paperwork. They have me on file as tax exempt with {$0.00} due. They have {$8100.00} of mine in an escrow account. The only thing due for the rest of the year is {$2000.00} for insurance. They will not give me the {$6000.00} that belongs to me! Furthermore, they keep making me pay them an extra {$820.00} per month toward taxes that is n't due. When I attempted to pay them the correct amount, they charged me a service fee of {$92.00} ( which they allowed a " one time '' forgiveness on. ) I 've been trying for 5 months now and they WILL NOT stop this activity nor give me my money. Please help! Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (AR)

An account was placed with Spring Oaks Capital LLC for collection, they contacted me first in XX/XX/XXXX with a dunning letter, not recognizing the debt I immediately sent a validation letter. They failed to respond until XX/XX/XXXX and the validation was a copy of a single card statement, no proof of ownership of the debt by myself, and no proof that the account t had been transferred to their company. I wrote again requesting the information and received correspondence indicating it was the same matter already investigated and they wouldnt investigate it. I sent another email clarifying what I was requesting and that a card statement does not prove ownership, application for the card, or that their company is authorized to collect the debt. They once again responded that the dispute was the same and had already been investigated.
Consumer complaint received 2021-07-21
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. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$200.00} Account Name : XXXX & XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$110.00} Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account was Opened : XX/XX/XXXX Account Balance : {$490.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$1100.00}
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson Cruz & Associates LLC (OH)

The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full. 

Now, this collection agency : Nelson Cruz,XXXX  XXXX XXXX , XXXX XXXX XXXX , TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home. 
I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.
Consumer complaint received 2021-07-22
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. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1100.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$62.00}
Consumer complaint received 2019-09-29
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)

Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.
Consumer complaint received 2019-09-26
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. (MD)

i have been trying to have a collection account removed from my file. XXXX  and XXXX have corrected the issue but i can get a final resolution with equifax. i have been trying for at least 6 months. the person i dispute i owe the money to agreed to remove it from my file. however, my disputes with equifax have not resolved the issue. the most recent dispute went over 30 days without a response from XXXX XXXX and i requested that it be removed for both reasons ( the originator agreed to remove and the collection company did not respond within the limits defined by the fair credit reporting act ) last month, equifax did remove it from my file but immediately re-added it back to my file???? 

below is information from equifax files that confirm they removed the disputed item then added it back to my file. by law, once it has been removed for collections non compliance with the fcra - it may not be added back. i need equifax to resolve this problem and not allow it to occur again. 

Based on Equifax data Credit changes Current score XXXX XX/XX/XXXX No score change We found 4 changes to your Equifax credit report. 

New Accounts In Collection XXXX XXXX New Account in Collections {$99.00} Accounts In Collection Removed XXXX   XXXX Collections Account Removed {$99.00} Credit Limit Increase XXXX/XXXX  Limit Increased by {$400.00} Balance Decrease XXXX/XXXX  Balance Decreased by {$14.00} Expecting a change that you dont see? Equifax may not have updated your report yet.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) been reporting inaccurate information on my credit report for a long time and TransUnion failed to conduct a thorough investigation on the information being report. I do not recognize this account nor do I recall opening an account with the furnisher/credit. The following are missing/inaccurate informations being report as follow... 

" Account type, Account credit type, Incorrect date opened, loan/credit amount, payment status, past due amount, date of last activity, and date of last payment, incorrect and incomplete reporting 2-years payment history '' I demand these informations be investigated for accuracy and corrected as immediately.
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I am a victim of Credit Acceptance ( CAC ) deceptive loan practices. Their deceptive practices include their algorithmic determination for loans, how that algorithm is then used to incentivize dealers to overly inflate vehicle prices, how the true cost of CAC credit is higher than disclosed on the CAC loan agreements and they are quick to reposes a vehicle once they hear from you that you will have difficulties with the loan payments. 

I purchased a vehicle through CAC in XXXX and made timely payments until I fell on financial hardship. In XXXX I reached out to CAC to attempt to resolve or lower my payments to no avail. I reached out again in XXXX to try to turn the vehicle in but received no feedback or assistance and repossessed the vehicle within 24 hours of me trying to turn it in.
Consumer complaint received 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Recoveries, Inc. (NY)

I am currently in a Department of Education Rehabilitation Program. I feel I had successfully completed the required amount and number of payments to be off the program and back to the regularly scheduled payments with a modification to my credit report noting this as such. The service indicated that a " problem with paperwork '' resulted in " having to start over. '' Now I am back in a new rehabilitation program and they are threatening to garnish my wages! I am a United States XXXX XXXX XXXX XXXX XXXX XXXX member and I need assistance resolving this matter please. 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company is in violation of 15 USC 1666b and 15 USC 1681b. they are reporting inaccurate information on my consumer report, one, without any written instructions from i, the consumer, second this inaccuracy is hindering my ability to obtain credit and its also defaming my character,. this is embarrassing and damaging my livelihood. Ive put the company on notice already and i would like them to properly do their job and stop violating consumer rights.
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (IN)

Jefferson capital systems has XXXX debts in my name one I paid them for after they sued me with out informing me properly and forced me to go into a financial hardship I am now barely making rent or anything else. The second is a debt for phone bill from an account I never opened I have disputed it several times and they refuse to remove the debt as mine and as a result I have no choice but to put it in a debt management program and report them to you to get this resolved.
Consumer complaint received 2022-12-01
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: I.C. System, Inc. (LA)

XXXX did not appropriately investigate a falsely reported collections account from XXXX XXXX I do not owe any balance to the original creditor. I asked XXXX to have the original creditor provide the original contract and proof of balance owed. I have attempted to dispute this twice through the XXXX dispute process online. In addition, I have called XXXX to inquire about the investigation. I was told by the XXXX representative XXXX, that the collections company only verified that that I was the account holder by my name, date of birth, etc. They weren't asked to provide any other proof of the balance owed. I was told by the XXXX representative that they do not ask for any documents from the collections agency to prove the debt reported on the credit report. This collection attempt has already been removed from another Credit Bureau successfully.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act ( DEPT OF EDUCATION/ XXXX ), ( XXXX XXXX XXXX  ), ( XXXX XXXX ) has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy. 



15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Please delete the following accounts : ( DEPT OF EDUCATION/ XXXX ), ( XXXX XXXX XXXX ), ( XXXX  XXXX XXXX )
Consumer complaint received 2021-07-22
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: EQUIFAX, INC. (FL)

I filed a dispute 5 times with Equifax so they remove a charge from a merchant that was not supposed to be there, but they have done nothing after 5 attempts. Every time I call they say ''dispute not found, try again '' or their fax machine is trash and they can not get a new one to be able to read documents they requested, so their final decision is that ''merchant is right '' because they could not read my supporting documents, and they never request information from the merchant. Their automated system is trash as well because to get to an agent you have to go through a 30 minutes interview asking the same exact thing over and over. Some of the agents are very incompetent. This company should be better than that since they are dealing with people 's credit information but is just like trash in all aspects.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (LA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2021-07-21
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. (NY)

I disputed the " late payment '' markings on my credit report multiple times in writing including in a letter dated XX/XX/2021, these are unverified and incorrect. I have contacted Exquifax more than once about this issue and ask that they please removed these " late payments ''. Thank you.
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

On XX/XX/XXXX, I noticed this collection on my credit report. I called the company that placed the collection. they contacted the the company that place the debt with them. They reported to them that the bill was paid and that I do not owe them any money. I called IC System that the collection is still showing on my credit reports. I received a letter dated XX/XX/XXXX from I C Systems that the debt was paid and that they will no longer pursue collections and the information they reported to the credit agencies ( XXXX, XXXX, XXXX ) will be deleted. I have a copy of the letter. This collection was not removed and I disputed this collection with the credit agency. The credit agency updated the information from IC Systems as accurate. I contacted IC Systems about the collections still showing and verified as accurate. They stated there is nothing they will do or can do to correct this. Please help me resolve this issue. 

Thank you,
Consumer complaint received 2021-06-15
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. (NY)

To whom it may concern, I have looked at credit report back around XXXX 2021 and noticed I had a hard inquiry from XXXX XXXX Inquiry date : XX/XX/2021. I had called chase and the credit reporting agency companies. Both XXXX  and XXXX  removed this from my credit report as I never applied or gave anyone authorization to apply for anything under my name. I never signed any paperwork and have no knowledge of applying for anything that is new. I have 2 credit cards with that company so I would have no reason to do anything else credit with them. It seems that only experian still shows it on the report and for some reason it is still on there. I have tried to call experian XXXX & XXXX of 2021 and was told it would be removed from there customer service team.