davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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. (SC)

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor. 
3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX XXXX UNVERIFIED ACCOUNT
Consumer complaint received 2023-02-17
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. (SC)

To whom it may concern : Please be advised this is my second request that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED ACCOUNT
Consumer complaint received 2023-02-17
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. (TN)

These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXXXXXX XXXX All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX
Consumer complaint received 2016-05-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I had my home mortgage with green tree. I unfortunately had financial difficulties I tried to explain to green tree but they would not listen. They call all hours to get payment when I tried to explain they would belittle me, or tell me to borrow money. They came to the house to get payment and threaten me. They would call my work. I tried to get a modification they said no. I eventually lost the house. I no longer have my house, it was very difficult.
Consumer complaint received 2023-02-17
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. (GA)

I received a copy of my credit report and noticed inquiries from companies that I did not apply for an account with, nor did I give permission for them to access my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I reached out to these companies to inform them that I hadn't applied for an account with them and to make sure an account wasn't opened. All advised me that no account was established in my name. I then reached out to notify the credit bureau Transunion of the fraudulent inquiries that appeared on my credit report as a result of this attempted fraud. They asked me to mail my dispute in by mail along with a report from the FTC, which I did. I have made multiple attempts to fix this issue with Transunion to no avail. I have explained the situation to multiple agents, I've sent letters ( per their request ), and I have filed a fraud complaint with the Federal Trade Commision and submitted this documentation to Transunion. In accordance with the Fair Credit Reporting Act this violates my rights. It is unlawful to knowingly report inaccurate or fraudulent information on a credit report.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-02-17
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy XXXX XXXX have two fraudulent accounts reporting to my consumer report. Im placing my police report for the 3 consumer reporting companies to block this account at once I wasted to much time trying to have this frozen that account removed from my consumer report. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
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. (LA)

15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines i.e. last verified, date of last activity, date reported, date opened, dispute status, account status. EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT!! The account is in charge off status but it is still reporting I have a balanced owed that is not possible if the account has been charged off on the companies profit/loss statement. This is also another FCRA violation and also tax fraud in the eyes of the IRS.
Consumer complaint received 2023-02-14
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these items : XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (TX)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX//23, I submitted a credit application to XXXX XXXX. I was denied and told a freeze was in place on my Transunion credit report. Contacted Transunion XXXX/XXXX/23 three times in a row on that same day and was told that the freeze had been lifted. Contacted XXXX XXXX in between those 3 times and had them attempt to pull again. Each time the report kept coming back as frozen. On XXXX/XXXX/23 ; I logged into the XXXX XXXX prequalification website that does a soft pull on the Transunion report. I received the same message that the credit report was frozen ( I attached a picture of the message ). I contacted Transunion and asked to be escalated to an authority and was told by a supervisor ( XXXX XXXX ) there was nothing he could do since the report showed the freeze was lifted from the Transunion side. I iterated that I am unable to proceed with any credit apps or mortgages because two independent lenders keep showing my credit report as frozen, despite Transunion reps saying that the freeze is lifted. He then told me to have the lender reach out to the Transunion Marketing departing to resolve the disconnect. That sounded very fishy to me and made no sense, so when I asked for the phone number to the Marketing department to pass along to my lendor, he told me he was unable to give out the number and that the lender had the number and could call in. I called XXXX XXXX once again and conveyed this information and XXXX XXXX did not know what he was talking about, and also tried once more to pull me Transunion credit report and told me once again the file was frozen and they could not proceed forward with my credit approval.
Consumer complaint received 2023-02-13
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. (NV)

XXXX XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I have disputed this bankruptcy with each bureau which has used some type of excuse or explanation to go around removing this inaccurate information from my credit report, disregarding the fact that I documentation from the Bankruptcy Court stating they didnt verify this court record with any third party. 
My letter of verification comes from the court directly listed. 
Your information is coming from a third party and not the actual court listed. No re investigation is needed due to you fail to provide accurate information from the source listed in the last 30days. 


Also there is no way I can be a resident residing at XXXX XXXX in XXXX, Tn you stated as verified in XXXX XXXX and filing a bankruptcy in XXXX, Tn in XXXX XXXX .you must be a resident of the city. so your information is mismatched .my last 4 of ssn could be the same of a similar individual because you did not use my full social as you stated. 
Please stop stalling to remove this bankruptcy before attorney XXXX XXXX is notified to file a lawsuit against all credit bureaus and third parties for listing information the court states on letterhead they have not verified
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The company closed the account after conditional payment was made according to the policy of the company. This is a blatan violation of my rights as a consumer in regards to the handling of the account. No consent was given to close the account and non acceptance of the instrument sent for payment is interfering with commerce and is also a cause for discharge of the obligation. 

This is a direct discrimination against me from this company. It is imperative that actions like this from financial institutions do not go unpunished.
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have had both the original creditor, XXXX XXXX  XXXX XXXX XXXX, and now a medical debt collection agency, HRRG, contact me regarding debt owed on a medical procedure from XX/XX/2021. I have reached out to my health insurance, XXXX XXXX XXXX XXXX XXXX Illinois, which states that they were billed, and I should owe nothing. The amount owed was written off under contract with my insurance company, and I shouldn't owe anything.
Consumer complaint received 2023-02-14
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. (NH)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-14
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2023-02-14
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. (IL)

In accordance with the fair credit reporting act " XXXX XXXX XXXX/ account # XXXX has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : XXXX XXXX Account # XXXX Hard Pull : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Soft Pull : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry XXXX : XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date Inquiry Dates:XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C 1681n ( A ) ( 1 ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.