davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). TransUnion is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

Please provide information to the following questions When was the dispute started internally at TransUnion? 
When was the dispute sent to the original information furnisher? 
When did TransUnion receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as TransUnion is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX No. XXXX XXXX XXXX XXXX, the judge ruled that TransUnion violated the Fair Credit Reporting Act by failing to compare evidence. TransUnion has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 


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 2024-08-27
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. (FL)

Despite my previous three 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 three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been a victim of XXXX, and now there are fake accounts and debts under my name. I would really appreciate it if you could look over my credit report considering this situation and help fix any mistakes or fraudulent actions that have taken place.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2017-11-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I was placed on a forbearance plan with Wells Fargo for a financial hardship I was going through. I was told to pay {$25.00} a month during this forbearance plan. I paid my XXXX XXXX monthly and on time. At the end of the plan, I was supposed to pay aprx. {$17000.00} to bring my loan current. 

During that time frame, I found a position with a company who paid me {$80000.00} a year. This company ended up laying me off 2.5 months later in XXXX of XXXX. This was the first time I had ever been laid off. I asked Wells Fargo if they would like me to submit the documents for proof and they said " it was n't necessary ''. They told me they would work on finding a way to extend the forbearance. Over the next several months, I cooperated with their Home Preservation team to provide the documentation they asked for. During that time, I was shuffled from one Home Preservation Specialist to the next. There was always some problem and some excuse on their end as to why they did not receive the documents. I faxed them, emailed them, uploaded them and still received the run around. During that time frame, I was assigned to aprx. 5 different specialists. 

I was told by the Home Preservation team to go ahead and pay my full monthly payment until a decision was made on their end, which I did. Then I found out my payments from XXXX XXXX ( checking account ) were getting denied. I called and clarified the routing number ( they claimed they had the wrong one ) and then the payment eventually went through. The next month, the same thing happened. Called them again, confirmed the routing number and yet the payment did not go through. 

So I went to Wells Fargo with cash to pay my full mortgage and they would not take my cash! The bank system at the branches do not talk to the Home Preservation systems. This is a real problem. The bank told me I was in foreclosure status as of XXXX XXXX. This is impossible because XXXX XXXX, I received a letter from the Home Preservation team stating we need to talk about other options available. I WAS NEVER SERVED BY A POLICE OFFICER, NOR WAS I EVER INFORMED VIA FED EX, OR ANY OTHER FORM OF PROCESS / COMMUNICATION, ETC. 

So, I contacted a supervisor at the Home Preservation Team and he told me the following law firm had contacted them : XXXX XXXX XXXX XXXX. Sure enough, I did some research and there are multiple lawsuits against these Ponzi Scheme artists and I have fell a victim of their ongoing criminal activity. I 've posted a link below that discusses their recent ( one of many ) class action lawsuits guilty of doing the same thing they are doing to me. 

XXXX XXXX XXXX I encourage those to come forward who are in this situation. THIS NEEDS TO STOP!!!! 

Now the bank is trying to force me to short sale by XXXX/XXXX/XXXX. I have n't even been served yet! How is this possible????? I 've been in this house 7 years. I have quite a bit of equity in it. This is ridiculous. 

Justice needs to be served against these criminals.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/year> I logged into my Transunion account to see if my credit was frozen ( NOT LOCKED - FROZEN ) I opened this account quite awhile ago and at that time, i set up my user name as the same as my email account. BUT this email account was closed a long time ago and I no longer have access to it. 

When I signed in on XX/XX/year>, my user name ( which as I said was my old email address ) and my password was accepted. However, I was asked to put in a verification code BUT this code had been sent to my OLD and DISCONTINUED email address so I could not access the code The website said that in order to change an email the Website Support Team had to be contacted. I called BOTH website support team numbers ( XXXX and XXXX ). I called BOTH of these numbers MULTIPLE times and EACH time I answered about XXXX or XXXX prompt questions and then EACH TIME I WAS DISCONNECTED. 

I then tried the general phone numbers ( XXXX and XXXX XXXX ) AND THE SAME THING HAPPENED! 

This entire process took me close to XXXX hours between repeating phone calls, answering prompts and finding phone numbers that I could call. 

I NEED TO HAVE ACCESS to my account so that I can freeze/unfreeze my account when I need to. I do NOT want to lock it - I want to use the freeze option. 

I need a human being to talk to me and talk me through this. OR AT LEAST NOT disconnect the phone and let me wait OR call me back. AI Chat boxes do not work for me- they never seem to solve the problem. And as an FYI, I did NOT have any trouble with XXXX or XXXX on the phone - they were both able to tell me ( via a recorded message ) that my accounts were frozen I am hoping that the company will contact me and solve this problem - otherwise, what will I do when I need to have my credit reports opened-???? i THINK lenders need to see all three reports
Consumer complaint received 2024-08-27
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. (IL)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2024-08-26
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. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate employment : XXXX XXXX XXXX XXXX These accounts have resulted in XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-26
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. (PR)

This account appears in XXXX as charge off, it does not indicate when or to whom it was sold and in Transunion it appears as voluntary delivery. By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within 30 days. 


TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/year> someone called in and increased our daily limit on phone transfers then on XX/XX/year> they made a telephone transfer of {$4000.00} from our savings to checking. Then XX/XX/year> they used my atm # to transfer {$9600.00} to XXXX. We have never made telephone transfers or online gambled and WF should know this from our history of banking with them for 29 years. I provided phone records that show no calls made to WF on these days. We always use online banking and receive e-mails that the transactions are processing. We received nothing regarding the telephone transfer & the other fraudulent transactions until after they were all made. We received a letter in the mail. We have been denied twice & 1 claim was filed by our branch manager in XXXX, MN. It is unbelievable someone can get to your money this easy, it is scary.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request validation of several accounts that have been reported on my credit report. Specifically, I am concerned about accounts that are listed as late or closed. I am requesting that you verify the accuracy and legitimacy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-27
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. (NY)

I sent your company a letter disputing account number XXXX with XXXX XXXX  XXXX on XX/XX/year>2024. I received a response from you dated XX/XX/year>2024 where you stated that the item had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

They are the third debt collector to be handling the same debt as mine. I will not pay a debt collector when the original creditor could not provide proof the debt is mine. I do not have a contract with XXXX XXXX and it needs to be removed from all of my credit reports for good.
Consumer complaint received 2017-09-27
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. (LA)

I sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. XXXX replied that it was a fraud dispute. I am not going back and forth with XXXX about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''
Consumer complaint received 2024-09-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC (GA)

Called in and Attorney was very verbally abusive and claimed that I did not over pay for my debt even though I confirmed with payroll from my employer that I over payed on my debt in excess of XXXX and was due to still have my wages garnished on my very next check.