davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (TX)

ACCOUNTS INQUIRES XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  .... 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ..... 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX ..... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have now been not only placed on my XXXX but has now been placed on my XXXX and Transunion not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account. 

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN. 

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

I request that RICHLAND BUREAU OF CREDIT # XXXXformally substantiate account data RICHLAND BUREAU OF CREDIT conferred to the major credit bureaus for me, XXXX XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak RICHLAND BUREAU OF CREDIT desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery is trying to collect a debt with innacurate information. the address for the XXXX XXXX they want is XXXX XXXX. I do not live there and never have. I reside at XXXX please delete immediately
Consumer complaint received 2022-08-18
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. (GA)

Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-08-18
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. (TX)

In accordance with 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. State I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : its also state 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 may make any consumer report containing any of the of the following items of information any other adverse item of information, other than record of conviction of crimes with antedates the report by more then seven years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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. (VA)

I have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX XXXX XXXX -- {$21000.00} XXXX XXXX XXXX  XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.
Consumer complaint received 2019-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (MI)

I applied for a small loan for under {$1000.00}. I was approved for {$700.00} from XXXX XXXX XXXX I was not told that there was an interest rate of 780 % before accepting the loan. I received the loan on XX/XX/XXXX, the loan balance has increased to {$910.00} as of XX/XX/XXXX. The first due date is XX/XX/XXXX in the amount of {$240.00}, and the second payment is due on XX/XX/XXXX for {$230.00}. In the span of the loan, it will cost {$2900.00} with payments due every 15 days. This clearly is not affordable.
Consumer complaint received 2022-08-18
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. (NC)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX stone, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights 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 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (PA)

The Simple online bank has merged with BBVA USA, and since the merger I can not access my funds online. My money is in a protected fund that can not be access outside of an application or online banking, thus leaving me completely without any money while they refuse to fix the issues for millions of customers in a timely manner.
Consumer complaint received 2022-12-29
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)

Equifax experienced a data breach in XX/XX/2017. This breach compromised my personal private information. I have NEVER given Equifax Expressed or Written permission to report or obtain ANY information about my consumer. 
Since the breach, Multiple attempts have been made to open bank accounts and credit cards using my information without my consent aka identity theft. It has led to my detriment, injury, and harm to my consumer rights. 
This breach has also compromised the integrity and accuracy of my consumer report impacting my financial health and my ability to obtain additional credit. 
Equifax has negligently violated the FCRA, Gramm-Leach-Bliley Act, and my rights to privacy. 
This has caused me undue stress, financial loss, and injury. 

VIOLATIONS : 602-15 U.S.C. 1681. Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I applied for credit and it said I had too many inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-18
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, 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. 

The following Account ( s ) : Debt Collector : XXXX : Collection Amount : {$2000.00} -Account. # XXXX -Debt Collector : XXXX  XXXX XXXXcollection Amount {$2700.00} -Account # XXXX -Debt collector : XXXX XXXX XXXX : -collection amount {$2600.00}
Consumer complaint received 2022-08-18
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: World Acceptance Corporation (NM)

World Finance is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: New Century Financial Services, Inc. (FL)

I got a letter from a company new century financial services inc saying was sending a subpoena duces tectum without deposition to my credit union for a credit card that was fraudulently open in my name in XX/XX/2007. Learning this from the letter I put in a motion to vacate and set a hearing describing this is fraud. I never had a credit card, still DONT unless I can just put money on it to spend. This motion was denied, still do not have a date for this. Someone was using my identity apparently in 2007 and I am now paying for this. I need this to stop so I am putting in this hoping the person that did this is found. I am not paying for someone else stuff! I. Dont even know how I was not notified about this fraud until almost 20 years later!
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting inaccurate, incomplete, and/or inaccurate and incomplete information in consumer reports concerning me that you have compiles and published to third parties. The following Tradelines item is inaccurate, incomplete, and/or inaccurate and incomplete because its currently reporting as a collection when it was charged off since XX/XX/2017 : XXXX XXXX XXXX XXXX Account number XXXX The inaccurate, incomplete, and/ or inaccurate and incomplete that you are reporting concerning me is harming me personally, emotionally and financially, and causing me damage. I request that you promptly delete the above- listed account and send me an updated copy of my credit report within 30 days of your receipt of this letter. I am aware that I have rights under the FCRA and request that you fully comply with the law in my request. Should you fail to make the requested deletion, I request that you provide me with the name and the address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.
Consumer complaint received 2019-09-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XX/XX/2019 I was overcharged by a taxi for a fare of approximately 50 SGD that processed as {$390.00}. I was not provided with a receipt and I was unaware of the overcharge when the transaction was conducted. After reviewing my credit card statement, I filed a dispute for the transaction. However, the investigation concluded that no billing error occurred. I subsequently requested that the investigation be reopened and for more documentation detailing the results of the investigation, but I received no response.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (FL)

I have a debt of {$740.00} for medical debts with the health department of XXXX in the city of XXXX, New York, which is being collected by an agency known as the Simon Agency, with which I have already made a payment arrangement. {$61.00} per month, but I have never received a check of the payments and it has only been reflected in my credit report once, which worries me because I am committed to pay without any problem
Consumer complaint received 2019-04-04
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. (SC)

I have contacted Transunion countless of times and was not successful with getting erroneous bankruptcies removed. They have verified a bankruptcy as Mine when it is not mine at all. It needs to be removed asap. No other bureaus are reporting this to credit other than Transunion. I contacted the bankruptcy court as well and they stated that they do not report the records of the court to any credit bureau. Contacting a third party is not sufficient evidence as it can be erroneous and is a violation of the FCRA. I will be contacting my consumer attorney if this is not resolved immediately.