davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-28
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. (PA)

Amount : {$470.00}. Please see attached for proof of claim.

15 U.S. Code 1666b - Timing of payments U.S. Code XXXXXXXX XXXX XXXX XXXX XXXXXXXX is in violation of my federal rights by reporting late payments. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute certain hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Specifically, under 15 U.S.C. 1681b ( c ), hard inquiries can only be conducted with my consent or for permissible purposes. I did not authorize the following inquiries on my credit report : Attach is a list of all inquiry name and date.

These inquiries were not initiated by me and, therefore, are unauthorized. Under 15 U.S.C. 1681i, I am requesting an investigation into these inquiries, as they negatively impact my credit score and overall report accuracy.

Please remove these inquiries from my credit report or provide verification that I authorized them. Additionally, if you find that these inquiries were unauthorized, I request written confirmation of their removal for my records. 

Enclosed with this letter, you will find a copy of, my credit report with the unauthorized inquiries highlighted. 

Please confirm receipt of this request and provide an update within the 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

This debt was set up on me through ilegal or unfair means, I was an employee for XXXX  selling their services over the phone, as an employee they gave me free services including their most expensive package including XXXX and all source of expensive stuff that no one buys because is no feasible to any normal person, since I worked selling their products I know I need to get an verbal agreement from the customer and let them know every single product I'm providing before completing the sale, this process didn't exist for me, because when my employment was over I asked my previous manager about the process and the sense was that since it was a employee account the services will stop with the employment, instead they rollover into a personal account with all services that I didn't even used when they were free without my authorization, never agreed to any price, package or deal, my precious personal account tgat I had with XXXX  only had internet and for them to close that one to create a employee but then rollover the employee into a personal is mind blowing, I feel scammed because is 1 month of services totaling XXXX dollar XXXX dollar is a huge bill for a month, it includes all the fancy stuff without my authorization, the collection office is saying the account is under my name but that is no proof that I agreed to those services, they haven't provided nothing of that mean, I know this info through disputing it with XXXX credit bureau, is the only thing showing as a result, I don't think is fair a consumer have to pay for negligence of employers or services sold in a fraudulent way for the benefit of others, consumers should pay on what they agreed upon.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to inform you that I have been a victim of a data breach, resulting in unauthorized accounts and inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the fraudulent accounts and inquiries listed below from my credit file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
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. (TX)

I previously sent in a letter to Transunion in regard to idenity theft of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account should be removed from my credit report immediatly Transunuion has failed to remove this information from my consumer credit report in a timely manner. I do not belive that transunion has conducted a investigation. I am now demanding that transunion remove these said accounts from my credit report within four business day do to idenity theft. It is from my knowledge of the fair credit reporting act 15 usc 1681c-2 that this fraudlent information be blocked from reporting to my credit report
Consumer complaint received 2018-03-01
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: AES/PHEAA (TX)

I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015.  I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance. It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX, I reported that my Citibank credit card was lost and requested a replacement card. When I reported the card lost, I was informed by the Citibank agent that the credit card account number would change but they did not give me the new account number. Since my payments are made using my bank 's bill pay system, the credit card number is essential to setting up a payment and since I had been informed the account number would change, I waited to send the payment until I received the new card. However, I did not receive the card as promised and contacted Citibank again in XX/XX/XXXX. They gave me the new card number and XXXX 'd the new card to me. I immediately made payment to bring the account current, however, I now find that Citibank reported me as 30 days delinquent for XX/XX/XXXX. 
This delinquency is preventing me from obtaining necessary mortgage financing. 

See attached letter previously sent to Citi, requesting correction of this reporting.
Consumer complaint received 2017-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

Submitted a timely dispute on or about XXXX/XXXX/XXXX for a purchase in the amount of {$180.00} for merchant XXXX. On or about this date, a provisional credit was applied to the account XXXX. PNC Bank sent a dispute questionnaire dated XXXX/XXXX/XXXX with reference number XXXX. The questionnaire was completed and faxed to XXXX on XXXX/XXXX/XXXX at XXXX XXXX and XXXX/XXXX/XXXX at XXXX XXXX. On, XXXX/XXXX/XXXX the same questionnaire was sent by PNC Bank claiming they never received my questionnaire. Obviously, the bank either lost my 2 separate fax documents or this is a way to easily close debit card disputes initiated by consumers at this bank.
Consumer complaint received 2024-11-25
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. (NC)

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 bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( 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 of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$710.00}
Consumer complaint received 2024-10-28
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. (NJ)

I am writing to formally request that you block and delete the account listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2024-11-02
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)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2024-10-28
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)

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, XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-28
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. (MI)

I am not able to pull my credit. the credit reporting agency is not releasing my credit file to me or lenders. I sent in my proof of identity ( birth certificate ), copy of my social security card and proof of address ( lease agreement ) which is attached to this complaint.
Consumer complaint received 2024-10-28
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. (PA)

Amount : {$10000.00}. Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX ( XXXX ) is in violation of my federal rights by reporting late payments. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX )
Consumer complaint received 2024-10-28
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. (MN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

In XX/XX/XXXX, I was notified via letter that my property taxes for the second half of the year hadn't been paid. This was unusual because I pay an escrow fee to my mortgage company ( 5/3 bank ) and they pay my bill. I am never late paying them and they have never been late paying my taxes. I called and spoke with a woman named XXXX ( from XXXX county ) and she told me the story ... XXXX county billed the wrong person for my property taxes, that party paid, then realized there had been a mistake and taken back ( or had the money refunded ). 

Since this date I have made numerous calls to my mortgage company with no resolution. I have also made a number of calls to XXXX County were I have received no help. I have been asking for XXXX County to resubmit to tax paperwork to the correct entity my bank. They refused to do so on a number of occasions. I have asked the county to call my mortgage company. They refuse to do that as well. 

I have also made calls to 5/3 bank. I called on XX/XX/XXXX and spoke with XXXX, wrote a letter via snail mail on XX/XX/XXXX, called on XX/XX/XXXX and spoke with XXXX, wrote a letter on XX/XX/XXXX, and called on XX/XX/XXXX and spoke with XXXX, faxed a letter on XX/XX/XXXX, and called again today on XX/XX/XXXX and spoke with XXXX and this issue hasn't been resolved. Today I finally got a supervisor ( XXXX XXXX ), but she gave me an email address that did not work and has not returned by call. 5/3 claims they have never received any letters including original copies of letters from the county or my fax including a delinquent tax notice. But they do acknowledge that no second half of the year taxes were paid! The money is sitting there in my account making money for the bank. 

This situation is so frustrating to me. In my eyes, a mistake was made by the county and they will not help me correct it. At this point there are several hundred dollars of late fees and interested tacked on top of my loan. If you could be of any help I would greatly appreciate it. If you can steer me toward someone who cares and would be willing to help I would also greatly appreciate it.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU