davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX  XXXX  XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Consumer complaint received 2024-11-22
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. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to dispute inaccurate information on my credit report for the following XXXX XXXX accounts. I have identified discrepancies that violate Metro 2 compliance standards and request your prompt attention to correct them. 
XXXX. XXXX XXXX Account ( XXXX ) : The high balance is reported as {$600.00} in some bureaus and {$780.00} in others. This inconsistency must be corrected. 
The date of last activity is not uniform across the reports and must be aligned. 
Late payment history ( e.g., 30, 60 days late ) should be reviewed and corrected to ensure accuracy and consistency. 
XXXX. XXXX XXXX Account ( XXXX ) : The high balance is reported as {$3100.00} in one bureau and {$3600.00} in others. Please investigate and correct this discrepancy. 
The late payment status differs across the bureaus. Please ensure it is consistent and accurate. 
Comments regarding dispute resolution are inconsistent and should accurately reflect the current account status.
Consumer complaint received 2024-10-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (IN)

XXXX XXXX XXXX  or a subcontracted version of it using an intimidating sense thing are getting done until I seen a year 's worth of statements, and I had given them XXXX and still have over XXXX in Debt. Global Holdings LLC has withheld all of my funds and were not distributed to my creditors While Soley claiming it is XXXX XXXX XXXX are the ones negotiating the contract.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I sold my home on XX/XX/XXXX. The router was returned via a service visit from XXXX XXXX  on XX/XX/XXXX. On Friday XX/XX/XXXX I applied for a construction loan and the lender noticed a collection on my account. It was the first time I ever heard of it. I called XXXX  and requested information about it and they said that it was due to an unreturned router. I told them we did return it and asked why I was never informed of this nor notified. They said they could not help me. I tried calling the collection agency as well and let them know of the same, and asked why I was never informed of this nor given a chance to explain. why they took 2 years and then posted it on my score without letting me know. They said they could not help me. Out of good will I payed the {$130.00} owed. Please I need this mistake removed form my credit score since I was not at fault for this. Thank you, XXXX. 

company responded : Upon completion of payment, we will request the account be deleted from the credit bureaus. Please let XXXX know when you have made pmt. 
XXXX. 

Then I emailed XXXX XXXX and she decided not to do so. She stated : Eastern Account System is a third-party collection agency that works on our clients behalf. 

XXXX placed an account in collections in XX/XX/XXXX with a {$130.00} balance owed. 

Eastern Account System sent notice allowing time to dispute, pay or validate the debt prior to credit reporting. Calls were also placed without a response as well. The account did not credit report until approximately 60 days later. 
If you have a receipt or proof that can be provided to the original creditor; please forward it to : XXXX. We do have several different payment options, you can pay over the phone ( XXXX ), on line at our website or mailing in the payment. If you opt to pay online the website is www.easternpayments.com I requested these proof of phone calls and notices addresses and dates they were sent since I NEVER received a phone call nor letter. She stopped responding.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$13000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$90000.00}
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. These accounts are fraudulent and must be expunged from my credit report without delay : XXXX XXXX  XXXX & XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-08-16
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$2100.00} 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Telerecovery Corporation (MS)

I need to re-document and refile this grumbling to TELERECOVERY. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of XXXX  days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-08-21
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. (NY)

this company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that's belongs to me.
Consumer complaint received 2024-11-13
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)

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Final Demand with Law Verification and Cease-and-Desist Request XXXX Report Number : XXXX Date of Report : XX/XX/year> Dear Experian Dispute Department, This letter serves as a final demand regarding the ongoing dispute and request for the removal of inaccurate information reported on my XXXX credit report ( Report Number : XXXX ). I am requesting that this issue be handled without the use of e-OSCAR, and that each items accuracy is verified according to the standards set forth in the Fair Credit Reporting Act ( FCRA ) and relevant laws. 

Cease and Desist Request Please cease all reporting and communication of inaccurate information to any third-party entities until this matter is resolved. I request immediate removal of the disputed item ( XXXX ) to prevent further harm to my credit profile. 

XXXX of Dispute Result I request written confirmation of the verification process for each disputed item, along with any documentation or evidence reviewed in making the determination. Additionally, should the disputed information remain on my report, I request a clear explanation of the verification method and results, as required by law. 

Failure to comply with this demand XXXX result in further action, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for damages. 

Please send a formal response to this letter within XXXX business days of receipt. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent XXXX Letters to XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I included my personal identified information to validate that I was the sender of each of these letters, including my photo ID with current address, current copy of my life insurance policy with my current address and a current energy bill with my address. I requested in each letter that they look into each and every instance on all credit card accounts open and closed where a late payment was reported to confirm how they verified those accounts as I believe each and everyone of them is inaccurate and I requested that they update each one to reflect as never late and paid as agreed. 

I informed them according to the law, they and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

On each response to these XXXX letters, I received an automated response from XXXX stating they believe the request was fraudulent and would not be acting on my request even after informing them on my 2nd, 3rd and 4th letter that they are in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits and If they don't process my letters, they are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 

They have not done their investigation and are in violation of my consumer rights.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have two late payments reported on my credit report for XXXX and XXXX XXXX XXXX XXXX XXXX but those payments were made on time. I take my financial responsibilities very seriously, and it's crucial that accurate and correct information is reported. I am requesting a thorough investigation into this matter. Before updating my account, I ask that you provide me with proof of your findings and a detailed explanation of the steps taken to verify this informationrelying on hearsay is not acceptable. I request that these late payments be updated and corrected immediately.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I previously was a victim of identity theft so i had a fraud alert on my profile. While always monitoring my profile i have realized numerous inquiries that were not of my doing i have tried to take them of on line with the respestive bureaus with no sucess. i am in need of great help for thi is a hinder on improving my families quality of life.