davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
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. (NY)

in accordance with the fair credit reporters act. convergent account # 's below 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. 

choice XXXX XXXX day XXXX account : XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX account : XXXX XXXX XXXX account : XXXX
Consumer complaint received 2022-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

EQUIFAX has made it very difficult to submit any documentation and has even acknowledged that documentation they have received was exactly what they asked for, they still will not remove my unauthorized inquiries. I have 14 inquiries listed on my consumer file. This is inaccurate information.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

US DEPT ED # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  DP OF EDUC : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DP OF EDUC : # XXXX, XXXX : # XXXX, XXXX : # XXXX, DP OF EDUC : # XXXX, 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 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts / freezes Without my phone number these are useless. Please sent me proof the I requested the alerts / freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Consumer complaint received 2022-04-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp. (NY)

Absolute Solution has harassed me by calling my employment and home on a complaint between myself and XXXX XXXX on a lease of 2008. The vehicle was towed around or on the end of the lease to the dealer located on XXXX XXXX in XXXX, the building is no longer there. The towing or any repairs to the vehicle was had insurance coverage ( 6 ) six months after the towing.

Dispatch cleared the car for return and I owned nothing on the lease and never missed a paymen
t or was late. However, a few months ( after the 6-month coverage ) I received a call regarding damages to the bumper. I protested this claim as the leasing company should have a made claim prior to my cancellation of the XXXX XXXX. I never heard back from XXXX. 

This debt is over XXXX XXXX XXXX and without supporting document ( which Absolute has not presented ) I contest that I owe NO MONIES. XXXX is the only credit reporting agency that will not clear this debt from my report. I am sure there is a period of time in which the debt should be deleted and XXXX has far exceeded that time limit.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America 's operating a XXXX XXXX ring. My former manager XXXX XXXX access my personal Bank of America account and removed funds by communicating with XXXX I'm not sure if the funds went to her account but I do know they surely did not go to my I have reported this to Bank of America but they are not taking action XXXX XXXX is a known XXXX XXXX and XXXX in the XXXX XXXX Community she is a danger to herself and to the entire world she is a cruel mean XXXX and she feels that she is superior to Barack Obama and Donald Trump whom she spoke about during a meeting at the bank and said she would joyously XXXX them the XXXX is knowledgeable of this information for one of their attorneys has taken a paycheck so that they will not say anything thank
Consumer complaint received 2022-04-03
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. (OH)

In accordance with the fair credit reporting act XXXX  Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.

15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely.

15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me.
Consumer complaint received 2022-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (IN)

There is a collection amount on XXXX XXXX in the amount of {$1400.00} I believe this is identity theft. They sent me a letter as well in my name and adress. When I contacted them by phone the account was in my name but not my social security number. So im not sure if this is going to be remvoved from my credit or if it is going to affect it in anyway. I also have had a freeze on my credit and also have lifelock on my credit because there have been mutiple attempts of identity theft on my credit.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I have filed multiple disputes with XXXX XXXX  and XXXX about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact lexisnexis a company that is reporting information to them. I called lexis nexis in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from lexisnexis to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and lexisnexis refuse to remove this inaccurate information in my file. Also, XXXX   XXXX XXXX, and Lexis Nexis are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii ) refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

On XX/XX/2019 at XXXX Bayview Loan Servicing again called my work number and I have been fired from my job because of all their calls after XX/XX/XXXX there were suppose to be no more calls and I was told that my number was being removed which it was not and since Bayview continues to break Federal and Colorado Law with calls at work I am now unemployed because of them.
Consumer complaint received 2022-04-03
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 have lease a vehicle in XXXX of XXXX from XXXX XXXX XXXX. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from XXXX XXXX, XXXX XXXX XXXX letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpayment of the deductible. I never recieved a bill after XXXX. I have no idea why this is in collections they should bill the insurance ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NY)

I had to flee a XXXX XXXX situation leaving me with no income, housing or way to provide basis necessities to myself and my XXXX  at the time. I received my taxes in XX/XX/year> and immediately reached out. I made a payment of {$500.00} but was told that made me unqualified for hardship due to financial reasons. I tried to reach out several times with no success. This debt is negatively impacting my credit report even though prior to leaving the XXXX  XXXX situation abruptly I had 100 % payment history.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MO)

After 2 years of fighting for XXXX I recieved a large backpay. I verified with venmo I can have my deposit sent to my venmo account. At that point I didn't have a bank a count as I have had zero income in 2 years. I have spoke to multiple people in customer service who have stated there is NOTHING wrong with my account. They see no reason why venmo has froze my account. They all have stated that the account specialist has to fix it but they have no way to transfer the call. A venmo account speciality sent an email on XXXX stating my account was completely deactivated and they will hold my money for 6 months until they decide if they will return my {$48000.00}. However they specifically state they can not tell me why and refuse to speak on the phone. They have taken my XXXX money, refuse to give it back, refuse to state why, refuse to speak to you, They want to hold XXXX for 6 months while I loss my house and everything else. They have no right to hold my money, they can see it was deposited by the government.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (NJ)

CKS Prime Investors, LLC said was my debt was paid off they would remove the derogatory mark off my credit report. I paid off the debt I. XXXX of 2024, it is now XX/XX/2024 and they still have not done what was promised on a recorded line.
Consumer complaint received 2022-04-03
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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
Consumer complaint received 2022-04-03
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)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-04-03
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 XXXX XXXXXXXX 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.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (ND)

I applied for a credit card and they approved me, then I used it for online purchase but weeks later they sent me a letter of denial. Then I decided to use another credit card to make the same purchase in another organization. And now they are sending me bills to pay, I never got the product.
Consumer complaint received 2022-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (NC)

I sent a cease and desist letter to Medicredit , Inc that included a debt validation letter as well on XXXX/XXXX/2022. I received noticed that Medicredit , Inc received the letters on XXXX/XXXX/2022. It has been 31 days since I sent the letter and I have not received the information requested to validate the alleged debt pursuant to 15 USC 1692g. I have not received a response to my cease and desist which is a violation of 15 USC 1692c ( c ). I received account summaries in the mail instead with a balance that is due for each account. This does not validate the debt. The documents that were sent are misleading because this is supposed to be a debt that I owe but every account sent is in a positive balance which is a violation 15 USC 1692e ( 2 ) ( A ).
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

I have lease a vehicle in XXXX of XXXX from Mercedes Financial Services. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from MB Financial, Bill of Sale letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.
Consumer complaint received 2021-02-15
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. (TX)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items.
Consumer complaint received 2023-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This is in Reference to Portfolio Recovery. This is a collection account, in which i do not have any knowledge of the company. I have asked Multiple times requesting validation of the debt, as well as copy of the original contract that was signed with my signature. Pursant to usc 1682G ( b ), I am able to see the proof of chain title of ownership. They have refused to send me any documentation. Along with this, it is listed on my credit report as open with past due amount showing. As a collection account it should not be open and not showing late and past due amounts. With this being said i wou7ld like it to be removed as being inaccurate.
Consumer complaint received 2020-12-17
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)

I just got an email telling me that I telling me that I opened up an account, which I didnt. The name of the companys are XXXX XX/XX/20 and the next company is XXXX XXXX on XX/XX/20 I never tried to open any accounts with those company.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I went to Transunion for my free credit report. They are now charging me {$19.00} per month for unwanted credit reporting. Their website has no place to cancel membership and receive a refund. They canceled my membership, but refuse to refund my {$19.00}.
Consumer complaint received 2022-04-03
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: DISCOVER BANK (CA)

Hi my name is XXXX XXXX im a victim of identity theft.I checked my credit report and found account that I didn't recognize and I tried to contact creditors and found out they have wrong or previous address that I resided on.But after dispute the information came as accurate so I went ahead and sent them an rental agreement proving for the date x to date x I was living in different address and by FCRA law 605B they have to stop reporting and bureaus start blocking these account.There is a car loan also on my credit report that was fraudulently taken out under my and my moms name.For XXXX XXXX there are XXXX account all XXXX are fraudulent.
Consumer complaint received 2019-04-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (LA)

When I went in to this dentist office they told me it wouldnt be any out of pocket expense. If they would have told me I wouldnt have gotten anything done. I only originally went to get a tooth pull they offer all the extra stuff that they are trying to make me pay for. Can I get documentation where i agreed to pay them or please remove from credit reports.