davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (TX)

Diversified consultant is attempting to collect on a debt that was disputed and closed with another company. I 've already filed a claim against this company. The company agreed to delete the collection from all three collections agencies. The company deleted account BUT ADDED it back a few days later for a higher amount.. I do dnt owe Diversified consultant anything the accounts that they are trying to get money on was DISPUTED AND CLOSED.. Diversified consultant and NOT SHOW ME VALIDATIONS OF THE ACCOUNTS.. Diversified consultant bought this old disputed and closed account.
I have not signed anything with this collection company. Diversified h
ave 2 accounts with amounts of {$200.00} and {$290.00}.
Diversified also stated in the claim and letter that they will delete the account from all 3 credit bureaus .. 
I will file a complaint with the BBB asap..
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

In  XXXX   XXXX  I moved from  XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX . Not until late  XXXX   XXXX  did I receive a move out statement. Since this was well past the 19 day limit in my state I informed the compan y (   XXXX   XXXX   XXXX   ) th at not only did I not owe them anything instead I was due my full deposit back. Which they in fact did return within 5 days? I assumed the issue was closed. 11 months later I get a letter from a debt collector about the same matter. I write and called explaining this issue had been resolved. They ( debt collector ) proceeded to place this debt on all   XXXX   credit bureaus. I am about to be homeless because these jerks make it seem as if I was evicted or something. I did n't owe the apartment complex any of that money and had they been the ones fighting me on this I would have addressed each and every reason why their calculations were incorrect. But they did not choose to fight me nor have I been taken to court.  XXXX   XXXX   XXXX  is not a company. So basically this collection agency is collecting  for NOONE!
Consumer complaint received 2017-06-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

Due to apparent errors and miscommunication between TD bank departments regarding my mortgage account, the foreclosure on my home was placed on hold XXXX/XXXX/XXXX. I have not heard back from anyone regarding what process was being undertaken or what the plan was going forward with regard to my mortgage. On XXXX/XXXX/XXXX, my wife witnessed an individual taking pictures and investigating my property. When my wife inquired as to what this individual was doing, he apologized and drove away. I contacted TD bank that day and attempted to reach XXXX XXXX and left a message at approximately XXXX XXXX I also called TD bank 's loss mitigation department and was told that as far as they ( the representative ) could see, the foreclosure was still on hold. The representative " instant messaged '' whomever was in charge of my account and I never heard anything back. Photos of the individual and licence plate are available upon written request. My latest bank statement showed some type of legal fee for {$1500.00}. I called TD loss Mitigation on XXXX/XXXX/XXXX. The representative read over a note on the system but could not explain what it meant. An instant message was left for a XXXX XXXX who is now taking over my account. I asked to be transferred to XXXX XXXX and was placed on hold until disconnect at approximately XXXX XXXX. I received a message from XXXX XXXX on XXXX/XXXX/XXXX and called back on XXXX/XXXX/XXXX at approximately XXXX XXXX I was on the phone for approximately 45 minutes DURING MY WORK BREAK and was disconnected. I am fearful that I am re-entering the same disorganized miscommunication/ lack of communication from TD Bank that has led me here in the first place. I work full time and my wife works XXXX full time in order to bounce back from our hardships. We do not have time to go down this same road. I am communicating through CFPB in order to ensure smooth communication and accountability on the part of TD bank. Furthermore, I am concerned that TD Bank has been possibly undertaking duel tracking by placing my foreclosure on hold but still moving forward as possibly evidenced by someone inspecting my property and now engaging legal fees. I would like an explanation.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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. 

XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$540.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-28
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)

Consumer Financial Protection Bureau ( CFPB ) Complaint.

Subject : Complaint Regarding Failure to Remove Fraudulent Accounts from Credit Report To Whom It May Concern, I am filing this complaint against TransUnion for their failure to remove fraudulent information from my credit report in a timely manner, as required under 15 U.S.C. 1681c-2. On [ insert date of dispute submission ], I submitted a formal dispute to TransUnion, including all necessary documentation such as my Police Report and the Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report Number : XXXX ), which clearly supports my claim of identity theft. 

In accordance with 15 U.S.C. 1681c-2, TransUnion is required to block the fraudulent information within four business days of receiving my identity theft report. Despite complying with all submission requirements, the following fraudulent accounts remain on my credit report : 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 

I have sent this dispute via certified mail and faxed all relevant documents. However, TransUnion has not taken the appropriate action within the legally mandated time frame, and the fraudulent accounts remain on my credit report, causing significant harm to my credit standing. 

I am requesting the CFPB to take immediate action to ensure that TransUnion complies with the law and removes the fraudulent accounts from my credit report as required. I also ask for an investigation into their failure to follow the provisions set forth by the Fair Credit Reporting Act ( FCRA ) regarding identity theft disputes. 

I trust that your office will ensure a prompt resolution to this matter and hold TransUnion accountable for any continued non-compliance. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban  kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the  XXXX ,  XXXX , and Transunion asking for documentation of validation associated with the bankruptcy.
To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that   the bankruptcy is in dispute.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I looked at my Transunion credit report on 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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. (CA)

I am reporting the account " XXXX '' account number : XXXX I would like to make it clear this IS MY ACCOUNT. HOWEVER, XXXX has improperly used my credit report with inaccurate dates. Since the beginning of this year XXXX has only reported ONCE. Out of TEN MONTHS, XXXX has reported Charge-Off on XX/XX/year>. THATS IT. I called the number on my credit report " ( XXXX ) XXXX '' and they refused to help me, saying " call XXXX XXXX XXXX '' Which I called, and they too have NO ANSWER for my credit reporting problems. They want me to pay off my debt, but they can't even report it accurately every single month. I asked them to transfer me to a manager so I can ask them why hasn't my account been updated in 5 months? Only to be told " the managers are all busy '' I call back, and they tell me the same thing over again. None of the reps we're from the US, and they refused to help me with my credit report being inaccurate for 5 months, they just tell me " Want to make a payment? Our managers are busy. '' I need this account to be updated so that I can pay off my credit card, and know that it will be updated properly, and reported correctly, otherwise this account needs to be removed from my credit report if they continue to misuse my credit report, because I have a {$480.00} balance that I am ready to pay, but they are not reporting it for months at a time. XXXX has not reported my XXXX & Transunion credit reports for 9 out of 10 months this year.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I am writing to request that you remove these fraudulent accounts and inaccurate information from my credit reports at your earliest convenience. I gave no authorization for these fraudulent accounts and innaccurate information to exist. It recently came to my attention that these fraudulent accounts and inaccurate information are currently reporting on my credit reports. I also want to include fraudulent inquiries from my XXXX credit report that I did not authorize to exist. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon further investigation, I can conclude that I am a victim of Identity Theft. My rights under the Fair Credit Reporting Act ( FCRA ) laws are being violated. According to the Fair Credit Reporting Act ( FCRA ) and ( 605B ) 15 U.S.C. 1681c-2 laws, and other Fair Credit Reporting Act laws that are relevant to this matter, these fraudulent accounts and information that I have truthfully identified in this affidavit must be removed and deleted from my credit reports immediately. Please provide me with written confirmation that these fraudulent accounts and inaccurate information have been removed.
Consumer complaint received 2024-10-27
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. (TX)

This morning, I found unauthorized inquiries on my credit report, which left me extremely concerned. I routinely check my report, but this time, there were strange discrepancies. Refreshing my browser didnt fix it, and now Im left feeling uneasy. I need this issue addressed immediately with a thorough review of the documents I provided, so I no longer have to worry.
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c2 ), that you, The TransUnion, XXXX, and XXXX credit reporting agencies, 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 consists of personal credit card accounts opened and collections accounts opened. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of all accounts and inquiries in question as well as a copy of the fact that my personal information was impacted by the XXXX XXXX XXXX. I do not recognize the aforementioned accounts, collections, or 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 my FTC Identity Theft Criminal Complaint # 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. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2016-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (FL)

I have attempted to obtain validation of this debt from XXXX XXXX XXXX three times since XXXX XXXX, 2016. I have not received VOD. I supplied a copy of my social security card, my DL, proof of residence, tax returns for two years and they still can not locate me in their system. Today I found this account on my credit report. I spoke with XXXX at Capio Partners Collection agency, and XXXX from Capio Partners Patient Advocacy department and neither of them were able to locate my file. They advised I contact XXXX XXXX directly. I spoke with XXXX in the patient billing department at XXXX XXXX hospital. He used several methods to attempt to locate a file in my name. He was unsuccessful. He advised I dispute the account directly with my credit bureaus. I disputed this account with all three major credit bureaus. XXXX responded by updating my experian credit report with a balance of {$9400.00}. I have done everything to get this debt removed from my credit report. The original creditor has failed to provide me with validation of this debt. I have given them ample opportunity and proven my identity. I have sent a letter of dispute to Capio Partners as well. I am requesting this debt be removed from my credit report immediately as their negligence is affecting me in a negative way. This is false reporting.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

RE : EXPERIAN REPORT # XXXX ; XXXX This CFPB complaint constitutes a second written communication for the record. 

On XX/XX/year>, a certified Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX was delivered to EXPERIAN with a copy of valid State issued ID verifying my identity & location information, which states my preferred method of correspondence which is furnished on the report stated above as address ID XXXX XXXXXXXX. 

On XX/XX/year>, I received a response letter dated XX/XX/year>, report XXXX XXXXXXXX requesting additional verifying documentation that is personal in nature in order to proceed with my dispute. 

EXPERIANS request for additional verification is irrelevant, excessive, an invasion of my privacy & for their unjust monetary gain at my expense. 

Experian is in violation of the following : - Requesting excessive & irrelevant identity information without lawful authority. 

- Unauthorized access of my personal Private location information without my express written consent ; without lawful authority.

- Unauthorized sharing of my personal Private location information without my express written consent ; without lawful authority.

- Disregarded my preferred method of correspondence & contacted me at my PRIVATE dwelling without my express written consent, without lawful authority.

- Invasion of my Right to Privacy.
Consumer complaint received 2024-10-27
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. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I recently reviewed a copy of my credit report and I noticed fraudulent accounts on my credit report ( XXXX XXXX XXXX XXXX ). Please remove these accounts from my report they are hurting my ability to obtain credit. I have never had an account with the creditor on this collection. This is a result of fraud and is to be removed from my credit report.
Consumer complaint received 2024-10-26
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. (PA)

My credit report is showing an unauthorized inquiries from 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 these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) | am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed immediately.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.