davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY (NJ)

I would like to file a complaint against TD Bank , NA Loss Mitigation Support. I have submitted not once but XXXX XXXX pages for an application for assistance in order to save my home from foreclosure due to my exhusband not paying after being court ordered and filing for bankrupcty relieving him of all obligations and authorizing me to modify the payments to keep my home. The first time I submitted the paperwork they sent a letter of denial to my exhusband instead of me which I would not have known about if I did not contact TD directly. I also missed the appeal deadline as well because I did not receive the notification. My exhusband signed everything over to me and TD insists they do not have his authorization when in fact I sent it both fax and regular mail certified. Because of the mistake they made my home is now up for Sheriff sale XXXX/XXXX/15. I stressed to them that they are sending any and all information to the wrong address and I was finally able to get a representative to correct the address since the rep I spoke to prior to this would not do so! I want to work with TD and start paying them what is owed and what my exhusband failed to do so I can remain in my home and not on the street! I have submitted more than enough information to them to help me in my situation. They seem to constantly lose paperwork and tell me I 'm missing information when in fact it has been submitted. The more they keep doing this, the more I am pressed for time and I am running out of options!
Consumer complaint received 2024-09-02
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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. (CA)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The accounts that need verification are still in my credit report, I need the accounts to be verified and repaired for they are misleading and erroneous. 

Please verify these accounts : XXXXXXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXXXXXX Balance : {$4100.00}
Consumer complaint received 2024-09-02
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 you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
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 2015-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Receivables Performance Management, LLC (GA)

These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had XXXX insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while on active duty. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX ( XXXX ) XXXX XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Data Breach and Erroneous XXXX  Reporting on Credit Report Dear XXXX XXXX XXXX am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly XXXX XXXX individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. 

In addition to the breach, I have discovered an erroneous XXXX  entry on my credit report. This entry is not only inaccurate but is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information XXXX have been used maliciously, leading to this erroneous reporting. 

Please find below the details of my situation : Description of the Issue : Nature of the Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. 
Erroneous XXXX  XXXX : An incorrect XXXX  entry has been reported on my credit report. This entry does not reflect any financial activity or XXXX  on my part. 
Actions Taken : I have contacted the credit reporting agencies to dispute the erroneous XXXX  entry and requested a fraud alert be placed on my credit file. 
I have also monitored my financial statements for any signs of identity theft or fraudulent activity. 
Requested Action : I kindly request the FTCs assistance in investigating the potential misuse of my personal information resulting from the breach. 
I also seek guidance on additional steps I should take to rectify the erroneous XXXX  reporting on my credit report. 
I appreciate your prompt attention to this matter and any assistance you can provide in resolving these issues. Please feel free to contact me if you require further information or documentation to support my case. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (MI)

I submitted this complaint to update this suspicious information. Experian Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2023-02-17
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. (OH)

It has come to my attention that you are reporting With your company to my consumer report that is illegal according to the fair debt collection practice act Delete those transactions or delete payments from my consumer report Affidavit of business information for credit purposes It is come to my attention that your company and organization Have reported several inaccurate accounts on my business credit profile. According to the fair debt collection practice act, 3rd party creditors must provide Proof and accurate documentation of a contract between a consumer and said company. 
XXXX XXXX XXXX XXXX for the record This company has no agreements with any 3rd party debtors and Majority of consumer debt It's accurate and current please remove all misinformed information from our company consumer credit profile remove all late payments or collection accounts. Update consumer accounts to paid As agreed. Please reflect for the record all XXXX XXXX XXXX XXXXFor the consumer profile of XXXX XXXX XXXX
Consumer complaint received 2024-09-01
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. (CA)

I looked at my report back in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, this account is not accurate XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, this account is not accurate They have not responded to me Can you look into this matter
Consumer complaint received 2024-09-01
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. (IL)

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. Account name Account name : XXXX XXXX XXXX, # XXXX has violated my rights. 15 U.S.C. 16815-2 ( 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. On XX/XX/year> i contacted XXXX XXXX the Director of Operations at the XXXX XXXX XXXX. I submitted a complaint with the XXXX to have an account with XXXX XXXX XXXX that was open / active at the time removed from my credit report. Ive contacted XXXX XXXX  numerous to times asking for validation of debt and I was ignored. However, XXXX from the XXXX XXXX XXXX suggested me to send a validation letter to XXXX via certified mail. Once a certified letter was sent, I received a response from the collection agency via the XXXX portal with a statement that didnt tie me to the alleged debt they claimed i owed. I responded with yet another debt verification via the XXXX portal and on XX/XX/year> XXXX XXXX XXXX has closed the collection and and later reopened it on my report. 
My goal here is to get the collection REMOVED from my account completely since I do not owe that alleged debt. They no longer have collection authority and per the consumer financial protection bureau CFPB rules if they dont have collection authority they must delete their tradeline so I request this be done please. I do not have no contractual obligation to this alleged debt. The validation letters Ive received were statements with different dates and numbers that dont match whats being reported. 

XXXX has DELETED this account from my credit report. I need the same from TransUnion Thank you so much for your time and patience.
Consumer complaint received 2024-09-01
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. (AL)

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + My wallet and identity was stolen. I was apart of a major data breach connected to my employer. I didnt make any of these inquiries.
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (FL)

CONVERGENT OUTSOURCING , INC . 
XX/XX/XXXX XXXX, FL XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CONVERGENT OUTSOURCING, INC. or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CONVERGENT OUTSOURCING , INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2024-09-02
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 2024-09-01
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} Had no choice but to be admitted because of life or death situation. 

I refused help but was given it anyways Goodwill deletion. 

XXXX XXXX XXXX Goodwill deletion Affected due to Covid-19 as well as the motor went out
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX  XXXX XXXX Account XXXX : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer XXXX credit report. I've attached the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX

As per the requirements of Section 605C, I am providing the necessary documentation that verifies my status as a victim of XXXX XXXX  The debts and/or negative information appearing on my credit report are a direct result of my experience as a XXXX  victim and should not be used to assess my creditworthiness. 
XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX