davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Name is XXXX XXXX XXXX XXXX is XXXX XXXX And Im The Only One Involved in this CFPB complaint and FTC Report Number Is XXXX TransUnion Block Me From Viewing My Report Online, I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called TransUnion Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I  Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With TransUnion..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called TransUnion Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way TransUnion Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX, & XXXX continue to report incorrect information although they claim to update the information on my consumer report. The credit bureaus have not done as they stated they would, there are name variations that are incorrect and several addresses that do not belong to me. 

The only name I go by is XXXX XXXX and there should be no other name on my report it is inaccurate and causing identity theft issues because its not accurately reporting. My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other address is incorrect and should be immediately deleted. 

Failure to comply I will immediately sue each credit bureau for lying about updates that they are not doing this is a violation of my federally protected consumer.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX is reporting incorrect information onto my consumer report. My name is listed incorrectly and the addresses that are listed are incorrect. My name is XXXX XXXX this is the only name that should be listed and this is the correct spelling anything else is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX  XXXX there should be no other address listed on my consumer report. 

XXXX XXXX XXXX XXXX Experian 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-04-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance Owed : {$55.00} ; XXXX XXXXXXXX Balance Owed : {$74000.00}.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (TX)

I have been sending inquires for over 3 years now to XXXX, XXXX and XXXX disputing credit inquires and to get original contracts from creditors who claimed I either owe them or the amount owed was wrong and all they keep telling me its been verified but none of the bureaus are sending me anything with my signature that I open or signed any contracts or documents. My identity was comprised since XXXX someone has used my information in XXXX and XXXX. None of the bureaus are taking the time to send me sign documents on how it was verified.at my request.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax are reporting incorrect information on my consumer report on the account listed as XXXX XXXX there are several inconsistencies yet each credit bureau responded that the information was validated and verified. I would like the evidence used to make this determination. Under FCRA I have a right to dispute this information if it is deemed incorrect which it is. Neither credit bureau has provided me with the information that I have requested. 

The inconsistencies are : High Balance {$29000.00} {$29000.00} {$33000.00} Last Verified : XX/XX/XXXX - - - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - - - Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies listed with the account which leads me to believe this account has not been properly validated or verified as accurate. 

The information that I am disputing is : Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Rating : Derogatory Open Derogatory Creditor Type : Savings and Loan Companies Auto Financing Auto Financing Account Status : Open Open Closed Creditor Remarks : Repossession ; redeemed Redeemed repossession Auto Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments that are being reported are also inaccurate. How can a late payment be late 60 days consistently? What information did you receive to determine I was indeed late with these payments? Please forward this information to me immediately.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX, & XXXX are reporting incorrect information on my consumer report on the account listed as XXXX XXXX there are several inconsistencies yet each credit bureau responded that the information was validated and verified. I would like the evidence used to make this determination. Under FCRA I have a right to dispute this information if it is deemed incorrect which it is. Neither credit bureau has provided me with the information that I have requested. 

The inconsistencies are : High Balance {$29000.00} {$29000.00} {$33000.00} Last Verified : XX/XX/XXXX - - - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - - - Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report even with all my repeated attempts to get this information deleted from my reports. The account listed as XXXX XXXX XXXX  has a lot of inconsistencies like High Balance : {$20000.00} {$20000.00} {$12000.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as Fixed rate a loss by the credit grantor. 
Charged off account XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore an account can not report as a collection and have late payments. The credit bureaus are purposely failing to provide adequate information to reflect my credit worthiness which is causing me significant damages and they lie to the CFPB stating they have fixed the account and its information but they did not.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (OH)

1.

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out 15 USC 6802 ( b ).
Consumer complaint received 2020-05-18
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)

You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC Regional Office for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When Tates confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX  Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when XXXX  didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (PA)

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NY)

The company LVNV FUNDING ALSO KNOW AS Resurgent Capital Services has been calling multiple times consistently. I requested a contract or a agreement signed by all parties involved and they were not able to provide. but continue to call. I've ask for it to be removed. under federal regulation they should not be harassing me with multiple calls or threats. the amount on my report {$1400.00}
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I tried requesting a forbearance as I am unable to make payment on account due to financial hardship. The servicer is requesting that I make payment on account to " possibly '' receive a forbearance. 


ECSI responded with the excerpt below : This is an outgoing email only, please do not reply. See below for ECSI contact information. 


Thank you for your recent application for Forbearance. The following information is needed to make a decision on your application : You need to contact Customer Service to pay the past due interest. Once the payment is made, you may resubmit the application Please send this information to the following address : Heartland ECSI XXXX XXXX XXXX XXXX XXXX, PA XXXX You can also update your documents under your account. Please sign in and go to the Account Overview to find your entitlement status under your loan and update documents there.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i XXXX XXXX XXXX Who resides at XXXX XXXX XXXX XXXX Ny XXXX and no other additional addresses, I am asserting my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. Per the FCRA, I am now opting out of any and all authorization the consumer may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in 15 U.S. Code 6802. 
According to the FCRA, consumer reporting agencies like XXXX and XXXX are obligated to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in 15 USC 1681 section 602a. As the consumer, I have the right to ensure that my private information isn't shared, supported by 15 USC 6801. 
Furthermore, as a financial institution, the furnisher of information to credit agencies falls under the definition provided by 15 USC 1681 section 604a ( 2 ), and they do not have my consent to furnish this information, as I have not provided written consent. 
Additionally, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise their nondisclosure option, which the furnisher of information to credit agencies failed to do. 
Moreover, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a consumer report without authorization, yet they continue to report adverse items without my permission, violating the law. 
It is also worth noting that under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are required to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specific purposes, which they are failing to do. 
Lastly, as per 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time. Therefore, I am officially opting out of your reporting services.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (CA)

Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. 

On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ) ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 )  Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. 

To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX  on XX/XX/XXXX and did not receive a satisfactory dispute response.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

Chase bank ohio applay Credit Cards. Chase freedom in the Bank and online. 2 years ago XXXX XXXX. NO PERSONAL CHECKING AND SAVINGS. ONLY CHASE LIQUID. FOR THIS CARD PAID FEES. XXXX XXXX 3 MONTH AGO NO CHECK ACCOUNT PAID YOURS RENT FOR MONEY ORDER. WHY?. THE XXXX REPORT INJURY IN MY CREDIT SCORE.WHY?