davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am submitting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below are the list of accounts need to fix : XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX XXXX Owed : {$7100.00} ; XXXX XXXXXXXX Balance XXXX : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} XXXX XXXX XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-03-27
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. (AL)

I have new & updated information on XXXX, Equifax, & XXXX ( The CRAs or Consumer Reporting Agencies. ) On XXXX XXXX XXXX XXXX the consumer, sent Equifax, XXXX, & XXXX certified mail stating Im a victim of identity theft with an attached identity theft report. The CRAs must honor my request to remove fraudulent information from my consumer report. The CRAs failed to block the items from reporting pursuant to 15 USC 1681c-2. They instead made it a 30 day dispute. Its now XXXX over 30 days later and passed the deadline of the investigation. The unauthorized items must be deleted immediately. If the CRAs fail to delete the items from my consumer report, theyll be willfully noncompliant and will be on record for certifying the accuracy and completeness of the unvalidated items. ( see attached files )
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX
Consumer complaint received 2022-04-12
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. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TN)

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Enhanced Recovery Company ) for committing identity theft. I have never given ( Enhanced Recovery Company ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( Enhanced Recovery Company ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Enhanced Recovery Company ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovery Company ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Enhanced Recovery Company ) continues its collection efforts, I will file for litigation for actual damages caused and ( Enhanced Recovery Company ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-27
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: MECHANICS BANK (TX)

in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) XXXX XXXX last four account number # XXXX 2 ) XXXX  XXXX XXXX  last four account number # XXXX 3 ) XXXX XXXX last four of account number # XXXX XXXX XXXX XXXX  last four of account number # XXXX 15 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

ON XX/XX/2022 I mailed XXXX, Experian, and XXXX about inaccurate information they are report to my consumer report. They have failed to provide with validation of these alleged debt. I need proof that an investigation was done. I asked for them to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt.
Consumer complaint received 2022-03-27
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 — Problem with personal statement of dispute
Company: Real Time Group, Inc. (SC)

On XX/XX/22 Real Time Solutions also known as XXXX XXXX XXXX XXXX XXXX XXXX  ''. Sent a response through the Cfpb Portal saying that they " do not believe that they have committed any violations '' which is a false statement because the law is not what you believe it is what you abide by I showed proof of all violations that they have committed and it is {$6000.00} worth of violations. They also uploaded a fraudulent contract that has a " consumer '' installment contract but has me listed as a " borrower '' under the The Truth in lending disclosure. I am a consumer and under Truth in lending there is no such term as " borrower '', " loan, or " debt ''. This debt collector is using false and misleading business practices to commit fraud.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Medical XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} TRANSUNION : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}
Consumer complaint received 2022-03-27
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: NAVY FEDERAL CREDIT UNION (LA)

My credit card account from Navy Federal credit union is not reported to XXXX and XXXX credit bureau as XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified Navy Federal on letter dated XX/XX/XXXX. 

I notified XXXX and XXXX on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.
Consumer complaint received 2022-10-26
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. 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. These were already included in my prior complaint and I'm including them 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
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS is attempting to collect a debt of XXXX to replace carpeting in XXXX XXXX unit XXXX. I responded on XX/XX/22 with the following : " I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' On XXXX they responded with a copy of the lease and a picture of subsurface stains in a small section of the carpet. I responded with the following on the same day : " I do not have any responsibility for the debt youre trying to collect for carpet replacement. Unit XXXX was professionally cleaned on the move-out day and contained no noticeable surface damage. Under-surface stains are likely from previous tenants. The lease agreement contains no liability for carpet replacement. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. '' With no further response of proof, they submitted a collections event on my credit report.
Consumer complaint received 2022-03-31
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)

I looked up my consumer report and noticed a couple of items on there that should not be on there. I sent several letter to consumer reporting agency over the past year and they refuse to rectify their reporting. They keep saying they verified the items with a third party consumer reporting agency. Last i checked, they are suppose to conduct an investigation that consist of interviewing my neighbors, family, and friends. None of that took place. I also read in the permissible purposes section that ANY consumer reporting agency has to have my written consent in order to furnish my consumer report. I did not give my written consent to ANY consumer reporting agency. Therefore, they are violating my rights as a federally protected consumer. 

The accounts in question are : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I received the attached letter from XXXX Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX. There is no account On XXXX and therefore should be removed from all three bureaus.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit management has not validated this debt validation letter has been sent over 90 days midland has not responded my Identity has been compromise on dark web from XXXX XXXX midland credit has been calling my personal number the FTC has been notified of harassing my personal life I have never did any business with midland credit management or any affiliate my SSN has an freeze with all three credit Agency I would like this debt be removed from my credit profile
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (CA)

I received this business debit card from Square issued by XXXX Bank with my name and under business name Lab Barbershop which I am not affiliated with during the week of XX/XX/XXXX to XXXX. I have no business of any sort nor I applied to attain this card. I called XXXX different numbers for XXXX and attained XXXX different case numbers. The first number I called ( XXXX ) XXXX seems really suspicious cause the person I spoke to XXXX can not provide me information on when i can find out if my account was closed or not. He does not have the understanding of the urgency to close my account right away. The XXXX number ( XXXX ) XXXX seems more legit cause XXXX can verify if the card is real and she was able to help me to make sure that my concern to close this account immediately was addressed. I am going to follow-up on the status of the card to be closed immediately as this is not opened under my consent and with the business name I am not affiliated nor own.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries appearing on my credit report. I request that the following inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) .Fraudulent 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 XXXXXX/XX/year>
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IL)

On XX/XX/XXXX I have opened an account with US Bank which was initially funded with {$200.00}. I have opened an account reacting to the {$300.00} bonus offer sent to me by the bank ( XXXX XXXXXXXX ) as the local branch in XXXX XXXX XXXX, IL refused to open it. I was told that this is online offer only and to get the bonus I must do it online. At the account opening I have explained that I work overseas and the payment for my work coming from XXXX will be in form of international wire. I was told that is acceptable as long as the payment is made for a payroll purpose ( which it was ). Subsequently I was provided with a US Bank routing info which was incorrect ( XXXX ) along with the XXXX XXXX which was incorrect as well which delayed the payment processing to more than 30 days funding scenario after account opening. I have had a conversation with person name XXXX who was a supervisor at the US Bank who informed me that the notes will be left on the account to explain the situation and bonus being provided after the {$3000.00} plus balance held for more than 30 days will be fulfilled. On XX/XX/XXXX I called as the bonus was not credited and found out that my account was not credited since the " international wire '' is not a direct deposit, contrary to what I was told at the account opening. Also the person assisting me, XXXX made a representation that she can address the issue of bonus right then when I called and after a while into the conversation it became an evident she lied to me as she was actually not qualified/authorized to address it. Question to the US Bank I have is this : 1 ) Why is the US Bancorp so unprofessional as to misrepresent the financial products requirements to obtain the bonus and when the funding requirement is actually met to deny it?

2 ) What does it say for the bank to send wrong routing/swift numbers to consumer and was it done on purpose to delay the funding of the account thus make it ineligible for the bonus?

I think it is reprehensible that the US Bank is allowed to do business this way and the CFPB should investigate whether the issue is systemic thus warranting regulatory action. In my opinion it is.
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX Dates XXXX