davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (VA)

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Resurgent Receivables Collection amount of {$940.00} XXXX XXXX XXXX Collection Collection amount of {$1000.00} First Premier Credit Card Balance of {$550.00} DEPT OF EDXXXX  - {$1800.00} DEPT OF ED/XXXX XXXX XXXX In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts. 
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX ] or [ XXXX ] if you require any additional information or documentation.
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. (PA)

Out of nowhere, I saw incorrect accounts on my credit report today, and Im honestly baffled as to why. Im used to checking my report, but this time, something was off. I tried refreshing the page, thinking it was just a display error, but nothing changed. Im asking for a thorough check of the documents Ive sent so I can put this worry behind me.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (WI)

I took out a small loan with Monterey Financial to pay for a course that I am taking. I have a payment book and every month, I pay my monthly payment, {$160.00} + XXXX ( fee for paying online or via telephone ) on or before the first of the month. Per the contract that I signed and the payment book that I have provided to me by Monterey Financial, a late fee is not assessed until the XXXX of the month. On XX/XX/XXXX, I made my payment online on the company 's website. Several days later, I received a collections call stating that my payment did not go through. I did not have immediate access to the account that I paid from to check so, I made a payment on my credit card. The company not only double charged my credit card but, the original payment that I made on the XXXX was indeed, withdrawn by Monterey Financial from the account.

Another couple of days later, I received a collections call from a representative from Monterey Financial stating that my payment went through on XX/XX/XXXX but I owed a late fee. The woman became argumentative and disrespectful toward me when I read to her the portion of my contract and the payment book that states that your account is not considered late until the XXXX of the month. The woman then hung up on me. This past Thursday, my husband and I paid off the balance in full online. I received another threatening phone call from Monterey Financial. 

I am writing to CFPB because of three concerns 1 ) I did not pay any of payments late. All of my payments were made online and I received messages stating this. Monterey has a habit of waiting to collect the monies from the account. I feel that they are doing this to " justify '' collecting a " late fee ''. 2 ) I am concerned that Monterey Financial will overtake-without my permission- the full balance that I paid this past Thursday. 3 ) That Monterey Financial is falsely reporting to the credit bureaus that a late payment occurred when that is not the case. I am asking for intervention.
Consumer complaint received 2017-10-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$500.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect a charged off debt.
DESIRED RESOLUTION What do you think would be a fair resolution to your issue?
Remove the debt from all three credit reports, show as paid.
Delete Charge Off Status.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I first saw an address on my credit report that I did not recognize as well as XXXX XXXX ( whom I had no business with ). I contacted this property and was advised there was a broken lease ans an amount due. I advised them of not having and kmowledge of this and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had lived at XXXX XXXX XXXX XXXX XXXX XXXX for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX XXXX via email XX/XX/2016 to XXXX XXXX ad XXXX XXXX. I have also fled complaints with CFPB, FTC, etc and currenty have my attorneys involved. I have XXXX XXXX and this is upsetting me. I applied for another apartmentand was advised to contact XXXX XXXX where I advised that XXXX XXXX have a Civil Judgment against me on Experian, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and XXXX after the police report ( that names XXXX XXXX ) was provided. There were other addresses on mh credit report ( places in XXXX and other States ) that were removed by XXXX and XXXX.This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and tjey did n't have the correct email when I spoke them. So who did they serve? Who receivedthe info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft. XXXX and XXXX have already removed this
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I went to Experian website and tried to freeze my credit info approximately 4 weeks ago. I received an email back from them with a PIN number to be used to access my account online. The day after I froze my account I tried to access my account to verify that it was in fact frozen. I could not access my account, I kept getting messages that my email address or PIN was incorrect. I started calling the phone number listed on their website for help that day, and I have tried at least 8 different times at various times of the day and waited on hold each time anywhere between 35 minutes to 75 minutes. I WAS NEVER, EVER ABLE TO REACH ANYONE. The company obviously does not wish to assist consumers or they would employ more people to answer the phones. They have no email address to file complaints or to seek help listed on their website.. Their on line freeze program obviously has a design flaw as even when I enter my email and social security number I get an error message that they can not find me ... .. but yet they were able to charge me for supposedly freezing my account.
Why ca n't Congress and Federal Agencies such as yours hold these companies to standard business ethics?? Is everyone in D.C. controlled by the criminal LOBBYISTS??
I am very disappointed in the way these companies are allowed to operate. They should be held to a much higher standard in protecting our financial data. The recent Congressional hearings aired on TV were a complete joke and I 'm sure no true consumer protection will be forthcoming.
A VERY DISAPPOINTED TAXPAYER
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)

I found incorrect inquiries on my report, which violates 15 USC 16c-2. I did not authorize them, and theyre damaging my credit. Remove any unauthorized inquiries immediately. Thanks.
Consumer complaint received 2024-10-28
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. (MS)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX  account # XXXX, and XXXX XXXX account # XXXX. However, they stated everything was accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC1681 1i ( 5 ), the are supposed to modify accounts that isn't responding correctly.

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 an account with 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 terms of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C. 1682s-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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
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)

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 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 TRANSUNION 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 2024-10-28
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (VA)

I allowed myself to be talked into replacing the roof of my townhouse in the start of calendar year XX/XX/XXXX.  The financing to cover it was a XXXX XXXX XXXX XXXX credit card. I assumed it was a fixed amount card as it expired in XX/XX/XXXX. At the start of the year I had over {$11000.00} to pay down and was able to get the debt under {$6000.00} before XX/XX/XXXX. When I received my XXXX statement, I was socked with an interest lump sum of {$4700.00} to inflate the debt to over {$10000.00}. I consulted my retirement account counselor who directed me to this website. The credit card in question is " XXXX XXXX XXXX XXXX '' and this financial division/group is already under scrutiny from the Consumer Finance Agency under Complaint ID XXXX ( the counselor perused this information and provided the Complaint ID ).
Consumer complaint received 2024-10-28
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)

XXXXXXXX XXXX XXXXXXXX This account is showing XXXX different versions of XXXX  year history across my credit reports. 

On XXXX the account was XXXX days late in XX/XX/year> and is still reporting an " on time '' payments status On XXXX the account was XXXX days late in XX/XX/year> and is reporting " charged off '' On TransUnion the account has no XXXX year history at all The dates of payments listed on my credit report are inaccurate across all three major credit reporting agencies, including yours. These dates do not accurately reflect my actual payment history. 

If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are XXXX % accurate so it is deemed INACCURATE. Please delete this account from my report. Account number : XXXXXXXX XXXX XXXX Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), if the information is found to be inaccurate you are obligated to promptly delete it from my credit report.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

Unauthorized inquiries showed up on my credit report without explanation, and Im really upset about it. I refreshed my browser to see if it was just a mistake, but the inquiries did not disappear. I need this matter addressed right away, and I expect the documents Ive submitted to be reviewed carefully to ensure this never happens again.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc. (AZ)

I recently viewed my credit report for XXXX. I notice U.S Collection West was being reporting twice for 2 different accounts. I disputed and asked them to send me variable proof that this debt is accurate, instead I received two letters just giving me a break down of the debt, nothing with my signature, nothing stating that they purchased this debt. And on top of that I never received notice after they purchased these items to allow me time to dispute it before impacting my credit. 




FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...

( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with 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 60 days 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.

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