davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-16
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. (MI)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts XXXX XXXX XXXX Account # XXXX DEPTEDXXXX Account # XXXX DEPTEDXXXX  Account # XXXX DEPTEDXXXX Account # XXXX DEPTEDXXXX Account # XXXX
Consumer complaint received 2022-08-16
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. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 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 # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-01-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

XXXX became the more friendlier XXXX XXXX about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became XXXX XXXX. I have been trying to get the more friendlier XXXX XXXX to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES (NV)

There is an old debt from 2011 that Zwicker and Associates, P.C. ( XXXX. XXXX XXXX XXXX, MN XXXX ) had filed and sued me in another State without my knowledge to complaint. The debt is too old for law to allow for any sued to be done now. They constantly send people to my ex-wife 's house or call my number or my ex-wife 's house threatening with wage garnishment or collections. I have had nemours conversation with them to stop harassing my kids and my ex-wife but the harassment continues. I just want the daily calls to my family to stop.
Consumer complaint received 2019-01-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

I returned my XXXX XXXX on XX/XX/XXXX, due to lease end. I returned the car to XXXX XXXX at XXXX XXXX, CA, where the car was inspected and the only problem was reported was front bumper and I agreed to pay {$400.00} to resolve this. Other than that there was not damages to the car as of XX/XX/XXXX. ( see inspection report attached ). On XX/XX/XXXX, I received a bill from BMW Financial, that I owe {$1600.00} due to the crack of one monitor. According to BMW Financial this was discover on the auction house that the car was transferred on XX/XX/XXXX. 

I do not accept this charges because at the time of the return ( XX/XX/XXXX ) there was no damages to the car. I insist that the damage was done after I left the car at the dealer.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have expressed this situation to my attorney and TransUnion is violating the FCRA laws pertaining to bankruptcy. All of the " account statuses '' should state " CLOSED ''. The account statuses says derogatory. I have contacted XXXX XXXX XXXX and they will be representing me on this dispute. I have requested numerous times to put the correct information on my credit report and they refuse too. This is the final attempt before involving the courts. Most of the accounts were opened due to fraud and the companies refuse to send the documentation I requested. TransUnion, XXXX, and XXXX  are all violating the FCRA Bankruptcy consumer laws. No one should have to endure this and it is utterly ridiculous that these 3rd party companies would rather be sued than to do the correct thing. Law states if the companies do not respond in 30 days the accounts are to be removed. I have repeatedly gotten emails stating 60 days and that is definitely not the laws. Also, my name is not XXXX XXXX nor has it ever been XXXX XXXX!
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am a natural person a living being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
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: AMERICAN EXPRESS COMPANY (GA)

I was re-billed by American Express for a charge for ticket concerts that was postponed due to COVID19. I never received the tickets for the transaction and I redisputed the charge with American Express since I never received what I paid for. They mentioned on a recorded line that the charge would be removed from my account ( the same as last time ) and it would reflect a {$0.00}. They mentioned it would take 48 hours. I asked were they sure because I am in the process of buying a house and as a first time minority homebuyer, I don't want this to impact my ability to secure a home with a rate that is favorable to me based on the fact that I have paid off all of my credit card debt and its reported to the credit bureaus that way. After 48 hours, it still showed up and I called in again on a recorded line. The rep mentioned this time that because it was re-disputed, it would show up but because the dispute was pending, it would report to the bureau that I still owe {$0.00}. I woke up and saw that they reported that I owe almost {$400.00} which was reported to the credit bureau. I can't pay it now because I'm not able to spend anything until closing, but my rate will higher because of this when I've explained my concerns and was flat out lied to by given misinformation on a recorded line twice.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TFS FINANCIAL CORPORATION (CA)

My compliant is against Third Federal Loan and savings, account # XXXX. I disputed with this company a wrong payment that they included in my reports. The letter was sent XX/XX/2019 and this company failure to mark my account as disputed, failure to dispute my account, breach my contract by reporting wrong information, failure to provide notice of late payment and the list of violations goes on. They have on my reports a 30-day late payment for an estimated amount of {$40.00} that they say they receive that adjustable payment. I receive a phone call from them and I paid them by the phone the amount that they were requesting. Not only did they place the late payment ( even though it was pay ) but they reported it in the month of XXXX instead of XXXX. Im attaching here the letter I sent back on the XXXX of XXXX with a copy of an SC-100 that will filed through the secretary of state of California since they dont have a serving agent in California even though they make business here. Im respectfully requesting you as a loyal costumer that I have been with you to remove late payment from all 3 reports as soon as possible. In the event that this does not happen legal actions would be taken here. I dont want a XXXX from XXXX XXXX  I just want them to fix their error as soon as possible because its affecting my finances. Thank you!
Consumer complaint received 2022-08-16
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. (OK)

Recently, i requested an investigation from all three bureaus of my credit report, and they all said the accounts were verified and 100 % accurate. So I ordered my credit report and found alot of inaccurate, mis dated, invalidated, unverifable and questionable items that your agency didnt make sure it was reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit bureaus reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681 ( 7 ) method of verification- Description of reinvestigated procedure
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called the XXXX and TransUnion after I purchased a credit report with XXXX on XXXXAfter receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX and TransUnion on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-30
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. (NM)

XXXX XXXX- XXXX is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.
Consumer complaint received 2022-08-16
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-30
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. (MI)

I have a derogatory account reporting on my credit for a credit card that was XXXX in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was XXXX
Consumer complaint received 2019-01-30
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. (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TRANSUNION AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, TRANSUNION AND XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Dear Sirs This is the company that has sent me letters regarding three different debts Resurgent Capital Services it states original creditor XXXX XXXX XXXX XXXX Current Owner LVNV Funding LLC Account # XXXX reference XXXX Balance {$2800.00} Account holder name XXXX XXXX XXXX XXXX The second is XXXX XXXX XXXX XXXX  current owner LVNV Funding LLC Reference ID XXXX Balance {$630.00} Account # XXXX Account holder XXXX XXXX The dates they are claiming are from XXXX They are not my accounts Thank you XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

SLS uploaded their Broker 's Price Opinion on XX/XX/XXXX stating that our home was valued at {$510000.00} after we paid for a new appraisal to have the PMI for this property removed. That means we have over {$110000.00} of equity versus the current loan amount of {$390000.00}, which results in well over 20 % of equity in relation to both the current loan and original purchase price. We have the regulatory right to have the PMI removed. 

However, just two days later on XX/XX/XXXX SLS did a new escrow analysis saying they expected us to pay PMI for another year. 

The process of having this PMI removed has been onerous and taking months, including having to battle against the lender just to have the appraisal done in the first place.
Consumer complaint received 2019-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Optima Advocates (OR)

This is about a company Optima Advocates. They told me they could help me with my private student loans. After 10 years of paying my private loans, I still owed a lot of money. ( The original loan amount was XXXX. I paid XXXXroughly XXXX $ a month on time every month, but still owed XXXX . ) This company told me it was because I had bad loans and because of that I could get my loans fully dismissed. The catch was I had to pay a huge fee upfront to this companyXXXX . This was suppose to go into a holding account and only paid to the company when my case was resolved. And they pointed to my contract that said if they didnt do what they said, I would get a full 100 % guaranteed refund of all my money. I also had to stop paying my private student loan money, which has completely ruined my credit. 

I have already made one complaint to the CFPB about this company not returning my calls or getting back with information. They did get back to me at the XXXX of XXXX but with not much information and then promised more information. I was told in XXXX and XXXX that they would answer my questions about why they charged me with such a high fee, and to clear up conflicting information about what is going on in my case. I still have not been able to get any answers. They said it could take a year to resolve my case. It has been over a year ( I signed my contract XX/XX/2017 ). And I cant get any proof that my loans have been dismissed or any proof that much has been done to justify their huge fee. They wont discuss refunding my money or answer any direct question as to why and what is going on. I spoke with a lawyer about what my rights are and if it is possible to sue them. I told them so, and Optima Advocates said their lawyer would get back to me. But no one has. I call them regularly. And so far have not been able to speak to anyone who has any information other than, I will get back to you or I will have this person call you back. Again, I have no proof that this company is doing what I paid them XXXX to do, meanwhile my credit is still ruined.
Consumer complaint received 2018-05-19
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. (PA)

Transunion : inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) I have contact the company to see if they can provide proof that these inquiries where authorized by me they claim it will get resolved I explain to them to send me all the proof they have none I havent see anything removed nor proof that I authorized my information to be used.
Consumer complaint received 2022-08-16
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. (AR)

I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX  Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor {$130.00} Open balance XXXXXXXX XXXX XXXX Original creditor
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Hello my name is XXXX XXXX and this is my 3rd attempt trying to obtain my consumer file & report from equifax and XXXX. I have uploaded a screen shot of this last attempt as well as proof of my identity. I am using the cfpb in hopes of obtaining my consumer file & report from equifax and XXXX
Consumer complaint received 2022-08-28
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: WAKEFIELD & ASSOCIATES, INC. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.