davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
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. (KS)

My TransUnion credit report continues to show 2 missed payments for the months of XX/XX/XXXX and XXXX 2016 for XXXX XXXX reporting as XXXX XXXX despite 3 disputes to TransUnion not only by myself but also from XXXX XXXX General Counsel for XXXX XXXX requesting that the reporting reflect no missed payments as this is incorrect information. 

Despite receiving my personal disputes on 3 seperate occasions and 2 faxes from XXXX XXXX General Counsel XXXX XXXX  requesting correction to my credit bureau after 1 year of disputes by both me and the creditor TransUnion has continues to wrongfully report this account to my credit bureau.

Below is a copy of an e-mail from XXXX XXXX General Counsel sent to Transunion for a 2nd time on XXXX-16.

XXXX XXXX 
   Reply all|
Wed XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inbox
Dear Mr. XXXX:
 
I confirmed that we updated your information via XXXX, which should go to all the credit bureaus.
 
Best regards, XXXX
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I purchased a new motorcycle from XXXX with XXXX XXXX for the loan in XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XXXX XXXX. I notified XXXX of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to XXXX, however, XXXX said I was late making a payment. My GAP insurance sent XXXX a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called XXXX. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of XXXX. I have been communicating with XXXX and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.
Consumer complaint received 2024-08-29
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. (FL)

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.

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 2017-12-17
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. (OH)

XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Ripple Labs Inc. (IL)

I purchased a total of {$500.00} US Ripple XRP 'S in XX/XX/2013 From Ripple Labs Inc. in XXXX XXXX, Ca. They were purchased with funds from my personal bank account through XXXX and placed into a Ripple 's Wallet : there were two or three transactions. It amounted to approximately XXXX Ripple XRP 's. XXXX credited extra Ripples for using their service. 

I was never notified of any changes and trusted this company explicitly to store my funds and be accountable. During the Spring of last year I found that the Ripple Wallet no longer existed. They directed Ripple XRP wallet holders to a new Wallet.  It was located overseas, I believe : called XXXX. They permanently shut their old Ripple wallet site down. 

I have followed all the instructions Ripple gave me on their website and have set up a XXXX Wallet. The migration directions do not work for me. I receive an error message that states my username does not exist. It should exist. 

An instructional e-mail stated I should use my secret key, which I have kept secured. I used the secret key as directed. I received an error message stating my secret key was invalid. My secret key should be valid. I never took any Ripples out. My Ripple wallet was never closed. 

Could you please assist me in receiving the Ripple XRP 's that I purchased in 2013. I will be happy to provide my username and password or the secret key or any relevant e-mails I have received from Ripple or XXXX regarding these transactions. 

Ripple has no way to communicate with customers with the exception of e-mail that does not answer the question as to what happened to my Ripple XRP 's. 

Please help me resolve this matter. 

Thank you!
Consumer complaint received 2017-12-17
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: Santander Consumer USA Holdings Inc. (TX)

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Consumer complaint received 2024-10-11
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. (VA)

I disputed inaccurate information related to the XXXX XXXX XXXX XXXX and XXXX accounts on my credit report. The credit reporting agency conducted an investigation but did not provide sufficient documentation to verify the accuracy of the account. They failed to meet the standards outlined in Section 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation and proper verification of disputed information. Simply stating that the account was verified without providing proof or adequately addressing the dispute is a violation of the FCRA. Cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) highlight the credit reporting agency 's obligation to go beyond the original source and ensure that the information is accurate when faced with a dispute. In these cases, the courts ruled that credit reporting agencies must conduct a thorough investigation, and failure to do so can result in liability for noncompliance.
Consumer complaint received 2017-12-17
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. (MD)

I sent certified mail to XXXX, XXXX and TransUnion to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).
Consumer complaint received 2017-12-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (NC)

I am in the process of selling my mobile home. When the closing attorney 's office went to the DMV to do a title search they found out that XXXX ( now Ditech ) had a lien on my title. They tried to contact the company but they would not talk to them because it was my property. Mind you, XXXX was my mortgage company when I first purchased the home in XXXX and I re-financed the home about 10 years ago with XXXX and I 'm not understanding why they did not obtain my title at that time but anyway, I contacted the company and they told me that a lien release letter needed to be sent to an email address ( only contact to this department is via email or fax NO # to call ) and they told me to provide as much information as I could because they could not locate an account in their system and it would need to be researched. So, the closing attorney 's office sent in this information and got an email back stating that the release was in process but NO information about where it was going ... It has been 10 days, numerous attempts from me to find out what the lien-release process is and where the information is being sent to, DMV/Attorney 's office/ME NOTHING!!!  This is holding up closing of my house and now the new buyers are having to pay to extend the loan until this problem is solved. Can someone please intercede here and help me resolve this issue??
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

On XXXX/XXXX/XXXX, I woke up to emails from western union stating two large sum transfers were initiated and picked up totaling {$5000.00}. I did not make these transfers nor did I authorize them. I called western union to report the fraud and was told all they could do was close my account. They did not give me a fraud file claim number or any additional information and are unwilling to help investigate or recover the funds
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have send Transunion several letters and filed several complaints disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX. 2. XXXX. 3. XXXX  XXXX 4. XXXX. XXXX. XXXXIn which transunion have ignored my letters. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is under my social security number.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (IL)

Equifax has done zero investigations on my credit file ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Escalation Department XXXX XXXX XXXX XXXX GA XXXX XXXX/XXXX/XXXX RE :  Confirmation # XXXX To Equifax Escalation Department : I have contacted the following company / companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following item / items can not be verified, please delete it / them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( see enclosed XXXX report ) XXXX XXXX XXXX ( see enclosed XXXX  report ) XXXX XXXX PUBLIC FILINGS XXXX ( this item has no information pertaining to me ) COLLECTIONS NO COLLECTOR NAME XXXX {$400.00} ( see enclosed XXXX  report ) How is Equifax able to verify these items when other agencies can not?
621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please send a complete updated copy of the credit report. 

The clients contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX CC : FTC ( Electronic complaint )
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho) (ID)

I was contacted in XX/XX/XXXX at work by Advantage Financial a debt collection agency.  I told her I had never heard of them and asked what it was for. She told me she had my signature on file for a document saying I would pay it I told her I 'd never signed anything and I do n't know anything about what she 's talking about. I asked for a copy of these I never receive them I called week later asking for them they said they would send them I still have n't received them. Two days ago I was served paperwork by their attorney. I called Advantage Financial to find out why I had never received the paperwork. The lady who works there told me they sent them to an address when she told me the address I told her I had never lived at that address and do you know what she was talking about. When I told her I still had no idea about this debt and I did n't know what she was talking about she proceeded to tell me it was medical bills for my daughter. I told her I do not have a daughter and this was not my debt. She then said she needed to speak with her supervisor and to call her back. When I called her back she said she was no longer able to speak with me about this and I needed to speak with her attorney. When I spoke with the attorney she threatened if I did not pay this they were going to garnish my wages. I told her I do n't have a daughter and she said yes I do this is my step daughter 's Bill and  they have witnesses and me signing it. However I 've never been married and I do n't have a stepdaughter I do n't even have a daughter. I have since then ask for a copies of this debt and I still have not received it.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (TN)

XXXX Mortgage servicer : XXXX, XXXX I requested to be mailed a paper statement each month since their website does not allow me to see any information regarding my account. They also do not report my mortgage to any of the three major credit bureaus. I made the request for the above two items. They stated because I had filed for bankruptcy in XXXX ( XXXX XXXX ) and the home was never included in bankruptcy, that they will not mail me a paper statement or report my mortgage to the credit bureaus. They told me to send a letter to their correspondence Dept which I will do. They will not talk to me however, but only through mail. And it will take 30 days to respond to me. I do not understand why they cant do these two requests since I have had other mortgage service companies prior and our bankruptcy never prevented my ability to obtain a monthly statement or for them to report to the credit bureaus. Please advise what recourse I have. I deserve to be able to receive a paper statement from XXXX and for my payments and payment history to be reported to the credit bureaus. 

Their correspondence department address : XXXX XXXX Correspondence Dept XXXX XXXX XXXX XXXX, CT XXXX Thank you.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 


ACCOUNTS : XXXX NUMBER AccountXXXX XXXX XXXX XXXX XXXX, NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (IN)

I mailed certified letters addressing credit reports had a wrong social security and laws and statues for reporting under TILA. 

Ceritifed mail letter number XXXX XXXX Sent to XXXX XXXX at XXXX
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (NY)

On XX/XX/XXXX a letter was sent to my address along with a bill. On XX/XX/XXXX @ XXXX I faxed a validation letter to afni asking them to provide validation of said debt. I also included the XX/XX/XXXX letter and bill that the sent. I asked for validation. Then a few weeks later I received another letter, that they did not have enough information to verify ( which I asked for validation ) and they wanted me to provide my information to them. On XX/XX/XXXX I responded to that letter and told them it is not my job to validate, it was theirs since they were collecting debt. I told them if they could not validate said debt, cease communications with me about this said debt and remove from all remarks of this debt from all my credit reports. After doing some more research on this company I found out that they re age ( as per bill AFNI sent me was dated XX/XX/XXXX-XX/XX/XXXX ) the said debt. I also found out that as of XX/XX/XXXX in New York State there was a new law passed. Statue CLRP 202 if the company that your originally owe said debt to is not based out of New York the statue of limitations on collections will be based on the original creditor Home state. According to the bill that AFNI has sent me, XXXX XXXX XXXX the creditors head quarters is in Texas. Texas SOL is 4 years. 4 years is XX/XX/XXXX. Because the home state SOL is 4 years in Texas where the head quarters is, I would like AFNI to stop reporting to credit bureaus and remove all negative remarks and their account from all my credit reports. I have not heard back from AFNI regarding my second letter dated XX/XX/XXXX. Again I did ask if debt could not be validate by them, then to remove account from credit reports and cease and desist with attempts of collection of said that they can not validate. As of XX/XX/XXXX, their  accounts and remarks are still on my credit reports.
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (NV)

XXXX XXXX XXXX XXXX. c/o Resurgent Capital Services is reporting an old debt from XXXX XXXX XXXX  XXXX in the amount of {$590.00} to the three Collection Bureaus. This company is not a licensed collection agency in Nevada and I have learned that they have no right to attempt collection on this debt. I have re-established credit with XXXX XXXX XXXX and currently hold 2 accounts with them. I would like to request that this debt be disputed and removed from all three of the Credit Bureaus as soon as possible. As of XXXX/XXXX/XXXX, the debt is still showing on my credit reports and is bringing my credit scores down. Thank you for your time!