davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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 disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.
Consumer complaint received 2018-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Drew Eckl & Farnham, LLP (GA)

This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules. 

They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.
Consumer complaint received 2024-10-22
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. (GA)

After reviewing my credit report I noticed accounts that werent authorized by me in the result of identity theft. None of these accounts are legit and should be blocked and removed according to the 605 B fair credit reporting act
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC (IA)

MRS BPO out of no where caused my credit to go way down. I have never even been contact by them, unless all the fake bill collectors that have harrased me such as XXXXXXXX XXXX XXXX The XXXX XXXX or XXXX, which have all threatned me in one way shape or form. Anyway I was under the impression by XXXX XXXX XXXX like about 6 years ago that they were investigating somethings and said they would be in touch. They said they would validate the bill, and they had all my info including my email, so when I never heard back I thought it was taken care of and then 6 years later bang, out of no where my credit gets attacked. 

I never heard back but today out of no where MRS BPO files something with the credit bureaus going against my credit. I had no idea of their involvement, the bill was never validated and now all my hard work on my credit has suffered. Is n't a company supposed to validate a bill and contact you before taking such measures? I believe my credit right have been violated, please do something about it and make the take that off my report. I have filed a dispute with experian and asked them to send it to the other credit agencies.
Consumer complaint received 2018-01-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I MOVED OUT OF XXXX XXXX XXXX IN 2004 BUT I AM STILL HALF OWNER OF THE PROPERTY AND ON THE MORTGAGE. I HAVE RECEIVED ABSOLUTELY NOTHING REGARDING THE PAST DUE ACCOUNT. I HAD RECEIVED NO NOTIFICATIONS OF THE IMPENDING FORECLOSURE I WAS NEVER SERVED ANYTHING DESPITE THE FACT THAT I HAVE WORKED AT THE SAME PLACE OF EMPLOYMENT FOR 15YRS. DESPITE THE FACT THAT WHEN THE SECOND MORTGAGE WHICH WAS ALSO WITH XXXX WAS IN FORECLOSURE THEY HAD NO PROBLEM FINDING ME TO SERVE ME AND I WAS ABLE TO SETTLE THAT. I HAD ABSOLUTELY NO IDEA THAT THE HOME WAS IN FORECLOSURE I WAS DENIED MY RIGHTS TO STOP THE FORECLOSURE SALE OR TO REMEDY THE PAST DUE ACCOUNT I WAS DENIED THE RIGHT TO DUE PROCESS I WAS DENIED THE RIGHT TO ANY MORTGAGE CONFERENCE. I HAVE BEEN REMARRIED AND LIVED AT A DIFFERENT ADDRESS SINCE 2004
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (LA)

I ( Consumer/Creditor ) applied for a line of credit in good faith. I've taken the time to respond and contact the credit company American Express regarding being denied the right to increase my credit limit/access.

15 US Code 1602n, clearly stats that I am the creditor whom initiates the use of the device ( SSN # ) to grant access for said securities to be used. The security interest in the property order has not been met for the transaction.

Adverse Action under, 15 US Code 1691a, does not define grounds of denial. This is by law stating I the Creditor am granting American Express the right to extend credit. Based upon, 15 US Code 1602f, it is by my knowledge of my rights that I have not received but yet denied my rights.

The application is a security bond that is granted to American Express, although I ( Creditor ) have not received benefits or the services for granting access of application through my SSN #, which violates the rules through Truth and Lending and the Federal Reserve Act, in which the establishment ( American Express ) has failed to honor.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$560.00} XXXX XXXX  Account number : XXXX Balance : {$2600.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$0.00} XXXX  XXXX XXXX  Account number : XXXX Balance : {$0.00}
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank charged me {$100.00} in overdraft fees fraudulently in one day, on XXXX XXXX, 2018. What they say was my balance was not my balance at the time and I have documents to prove it. I contacted their customer service, they refused to reverse the charges.
Consumer complaint received 2024-10-06
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: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls undeXXXX XXXX according to XXXX XXXX XXXX XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : Please delete the following 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
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/year> XXXX XXXX from Kohl 's responded to my original complaint ( # XXXX ), however she grossly misunderstood my complaint. 

It appears she thinks my complaint is that I was not notified that I had a balance due, however the issue was not that I was not notified that I had a late payment, the issue is that I was that I was NOT NOTIFIED that a negative report would be made to my credit. 

According to the CFPG : " A debt collector MUST use at least one of the following ways to contact you about your debt BEFORE it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered '' NONE of these occurred. 

According to a statement from Consumer Attorneys ( XXXX XXXX XXXX/ ) : A federal law called the Fair Debt Collection Practices ACT ( FDCPA ), requires collection agencies to send WRITTEN NOTICE to debtors within five days of their very first contact with the debtor. The notice must include the amount of debt, the name the notice must include the amount of debt, the name of the creditor, and a notice that the recipient has the right to dispute the debt within 30 days. If a collection agency fails to send this notice to the debtor, they can face legal penalties. 

In my situation, a negative report was placed on my credit BEFORE I was ever contacted by Kohls. 

Due to these reasons, I am requesting the negative report be removed from my credit.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.
Consumer complaint received 2024-10-27
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)

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/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : Dispute of Account [ Account Number ] : XXXXXXXX XXXX XXXX XXXXXXXX Inaccurate and Unvalidated Debt Reporting** Dear TransUnion Dispute Department XXXX I am formally disputing the accuracy of account XXXXXXXX XXXX XXXX XXXXXXXX XXXX reporting a balance of {$49000.00} and 32 late payments, as of XX/XX/XXXX. I believe this reporting violates the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ) due to a lack of proper documentation and significant inconsistencies. 

XXXX1. Insufficient Verification : ** In response to my request for debt verification, you provided an unsigned court document [ XXXX, XXXX Received ]. This document lacks the necessary signatures to constitute a legally binding court order, failing to meet the requirements for debt validation under 15 U.S.C. 1692g ( FDCPA ) and California XXXX XXXX XXXX ( XXXX XXXX ). An unsigned document is insufficient proof of a legally valid debt. And I attached the court document and highlighted where the signatures will go to show clearly that there is no signature on this document from neither parent or non-custodial parent. 

**2. Inconsistent Payment History : ** The reported payment history indicates consistent 120+ day late payments for years, despite the account balance supposedly being updated to {$0.00} on XX/XX/XXXX. This discrepancy demonstrates a failure to accurately reflect the payment history and account status as required by 15 U.S.C. 1681e ( b ) ( FCRA ) and California Civil Code 1785.14 ( b ) ( CCCRAA ). 

XXXX. Discrepancy in Reported Balance : ** The reported balance fluctuates significantly without explanation. This lack of transparency and clarity violates the FCRA 's requirement for accurate and complete reporting ( 15 U.S.C. 1681g ( a ) ( 1 ) ).

**4. Other Credit Bureaus : ** XXXX and XXXX have already removed this account from my credit report due to the lack of verifiable documentation. TransUnion 's continued reporting based on an unsigned document highlights a clear discrepancy and further supports the invalidity of this account. 

I demand the immediate removal of this inaccurate account from my credit report. I request that TransUnion provide a certified copy of a *signed* court order and other legally sufficient documentation that validates this debt. Without such evidence, the continued reporting of this debt constitutes a violation of the FCRA and CCCRAA.

I have attached a copy of the unsigned document you provided. I look forward to your prompt response and correction of this inaccurate reporting within 15 days Sincerely,
Consumer complaint received 2024-10-06
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian Consumer Dispute Center po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX  XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C. (FL)

THIS IS NOW MY SECOND COMPLAINT ABOUT THIS COMPANY AND THEIR ILLEGAL THREATS AND TACTICS, THIS COMPANY HAS CONTACTED ME AND THREATENED ME NUMEROUS TIMES OVER THE PHONE STATING THEY WERE GOING TO HAVE MY LICENSE SUSPENDED IF I DO NOT PAY THEM, ON NUMEROUS PHONE CALLS YOU WILL HEAR EMPLOYEES YELLING AND SCREAMING AT ME AND EMPLOYEES TELLING ME THAT THEY WOULD NOT BE TREATING ME WITH RESPECT BECAUSE I AM NOT THEIR CLIENT, I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS BUSINESS AND THE TACTICS CONTINUE I CONTACTED THE COMPANY STATING I AM REQUESTING THAT THEY SEND ME PROOF OF THE DEBT AND THE EMPLOYEE REFUSED TO PROVIDE ME VALID PROOF OF THE DEBT. THE EMPLOYEE STATED THEY ALREADY SENT IT AND I RECEIVED IT AND I HAVE NOT IN FACT RECEIVED ANY WRITTEN CORRESPONDENCE FROM THIS COMPANY, THIS IS NOW A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES AND IM DEMANDING THIS ACCOUNT BE CLOSED DUE TO NUMEROUS ILLEGAL VIOLATIONS IF THEY DO NOT CLOSE THE ACCOUNT OUT WITH A {$0.00} BALANCE I WILL PROCEED WITH LEGAL ACTION.
Consumer complaint received 2024-10-27
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. (OH)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2018-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (NJ)

I have called GSMR multiple times over the last year regarding my loan payments. I have been enrolled in autopay for a number of years and noticed in XX/XX/XXXX my payments stopped being collected for no apparent reason. I was informed by GSMR that this was because I entered a graduate program and the loans were in deferment. I requested that my loans not be placed in deferment, and that I wished to continue making payments on my account. I was informed by a customer service representative that I would occasionally miss one month, as their process was automatic, but there were notes made on my account and the autopay would pick up the following month. Whereas I didnt fully approve of this explanation, I went with it as I didnt feel like fighting. I notice today that apparently they have not pulled a payment since XX/XX/XXXX. I feel this is an unethical business practice, as they cancel my autopay, with no notice to me, and continue to rack up interest on a loan that I have been attempting to pay. This organization makes it so difficult to repay your loan in hopes that they can continue to collect interest from you.
Consumer complaint received 2018-01-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

Im trying to link my TD BANK checking account to XXXX XXXX XXXX XXXX ( US ) and TD Bank is for some unexplainable reason NOT allowing it and when I call customer service they pretend they dont know what Im talking about Please make them comply
Consumer complaint received 2018-01-12
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: Experian Information Solutions Inc. (FL)

I contacted experian via letter and ask that they verify and validate public record aka a bankruptcy that listed on my credit report, they returned the item as verified, I requested a method of verification by phone with a agent on XX/2018 at XXXX eastern standard time, she said the courts verified it, when I told her that the court did not verify anything I have a letter she claimed XXXX XXXX a third part runner verified it, I said thats a violation of the FCRA guidelines and XXXX XXXX need to be listed as the furnisher of this information and a contact information, I requested they tell me who at XXXX XXXX verified it the date it was verified by them so I can contact them, she then stated that she is not sure if XXXX XXXX verified this information ... now she says she dont know who verified it.. well by law you have to know who verified it or else its not verified that means your computer verified it and thats invalid and inaccurate ....