davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
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. (NJ)

To whom it may concern : Re : XXXX XXXX XXXX, SS # XXXX, XXXX XX/XX/XXXX, Bankruptcy XXXX On XX/XX/XXXX, you disclosed to me upon investigation of bankruptcy being reported on my consumer report was " verified as accurate ''. Thanks for getting back to me so quickly on that, by the way. You guys move pretty fast. I was confused by that since you didn't provide me with whom - what persons- it was verified with. I made use of the live chat which - XXXX- was very nice and helpful. Attached is that discussion from a few moments ago which you'll have on your end as well. 

Please note that I have obtained copies of my XXXX report and the bankruptcy IS NOT reported as they could not verify the information appropriately. This is attached. 

Please also note that I also reached out to the bankruptcy court in XXXX, NJ, and they stated they DO NOT report OR verify information with credit bureaus. This letter is attached. 

My attorney did NOT verify this, either. 

Obtaining information from public sources like PACER is unequivocally done with false pretenses : 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Finally, I have never provided written instructions or consent for this very personal matter to be shared on my consumer report.

I am aware that the FCRA says a credit reporting agency must remove innacurate or unverified information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

In closing, please DELETE this item from my credit report as it IS NOT VERIFIED.

The OCR, E-Metro, and E-oscar do not qualify as as a recognized source of validation. 

Please send me an updated copy of my consumer credit report once the bankruptcy is deleted. 

Thank you.
Consumer complaint received 2024-11-07
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. (SC)

The following inquiries are reporting to my Transunion credit report ... ..I 've attempted many times to explain the situation that these aren't my inquiries nor are they attached to any active accounts of mine ... .However Transunion insist that I mail in meaningless letters that they never respond to disputing these inaccuracies. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-11-06
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. (CA)

I recently checked my credit report and noticed an inquiry from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

On XXXX I I previously reached out to CREDIT COLLECTION SERVICES requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that CREDIT COLLECTION SERVICES has reported a collection account with a balance on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, CREDIT COLLECTION SERVICES must remove all reporting of the account on my credit profile..
Consumer complaint received 2024-11-06
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. (TX)

I'm writing to correct a mistake that was discovered in my credit report. I've come across an entry that doesn't fairly represent my past financial situation. 

After looking over the account, I think there might have been a miscommunication or a mistake in the reporting procedure. I ask that this be thoroughly investigated because it violates the Fair Credit Reporting Act ( FCRA ). I am asking that the aforementioned information be removed or corrected immediately because it is inaccurate. 

I've included a letter as evidence and any other supporting materials that would be needed to address this problem. 

Once this error has been examined and fixed, kindly send an update. I appreciate your quick responsiveness to this issue.
Consumer complaint received 2024-11-06
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)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2018-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased  has caused a delay in income tax services, among other things and has harmed me severely financially.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates (PA)

I moved out of my home on XX/XX/2015. At that time I spoke with a customer care agent at XXXX XXXX so shut off my electric service. to this day the account shows " open '' and I have a balance of XXXX which is incorrect. I have tried multiple times to dispute this. If XXXX would pull their calls from XX/XX/2015 they will here myself and the customer service rep confirm that service should be shut off at my address. The last address they should have it in XXXX PA XXXX I do not recall the street or house number.
Consumer complaint received 2018-05-17
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. (TX)

4 years ago I had the XXXX XXXX account removed from my credit report. Somehow it keeps popping back up on my Transunion. I have tried numerous times getting the item taken back off but Transunion will not help me with this issue, or at least the person who was handling my case. I am a XXXX XXXX veteran and can't get the XXXX approval for modification of my home until this item is removed again.
Consumer complaint received 2018-05-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keynote Consulting, Inc. (IL)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX  in behalf of my husband who authorized me to speak to the creditor regarding an old debt. XXXX XXXX XXXX stated that they have sold the debt to keynote consulting and so I was transferred to keynote consulting and started working with a guy named XXXX. I requested XXXX for a validation of debt because there is a discrepancy between the amount XXXX XXXX XXXX charged off and also the amount the debt collector has on file. The difference is about 1k, XXXX XXXX XXXX charged off at the debt at $ 2600+ and keynote is collection at $ 3600+. XXXX stated that he does not have to provide me anything and so I negotiated a possible settlement not knowing what my rights are. In the next few days, I did my research and realized that I have the right to request a validation of debt. I called XXXX XXXX XXXX to request this and they responded by saying that only Keynote can provide this so I called keynote back today, XX/XX/XXXX and told XXXX that I am still working on the settlement amount but that I am requesting a validation of debt in writing for our records. XXXX states " your rights to request that has passed and I am declining to provide this to you ''. He repeatedly told me that he is not providing me anything and that if he does provide me anything then my husband and I will have to pay the full amount which is fine but I told XXXX I still want the verification of debt to which he replied " No, I am declining that and I am not required to provide you anything ''. I then told XXXX that I will consult n attorney regarding his decline to provide us with a proof of debt and he said " since you said the word attorney I no longe have to speak to you '' and he disconnected the call. My husband has no recollection of this debt and that is why we are asking for the verification of debt. We never received anything from keynote and the amount difference between what XXXX XXXX XXXX charged off and what keynote consulting is collecting is questionable so we were requesting a breakdown of that difference to which Keynote declined to provide. XXXX from keynote consulting said " if you didm't have a lawyer then you would need one now because you said the word attorney and we are now refusing to speak to you about this matter ''. I never told XXXX we hired an attorney, I told him we will consult one and now he is refusing to speak to us about my husband 's debt and only wants to speak to an attorney.
Consumer complaint received 2018-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (TX)

I've had an auto loan with XXXX XXXX XXXX ( XXXX ) with a retail installation date of XX/XX/XXXX. Since XX/XX/XXXX, I've been timely and consistent with my auto loan payments of {$530.00}. This account/contract reached full term in XX/XX/XXXX with a total payoff remaining balance of {$7400.00} ; principal balance of {$7200.00}, accrued interest of XXXX, and other fees and charges of {$150.00}! I was notified via account statement that this payment was expected in full by XX/XX/XXXX. Being that my wife and I could not make the substantial payoff payment, we entered a Renewal/Reschedule contract in XXXX. We were informed not to proceed with the regular schedule payments due to the fact that the date and renewal monthly payment amount would change. I inquired if the changes would cause any blemishes on our credit report and was informed that it would not. It did not reflect negatively for XXXX, but unfortunately my credit report is indeed reflecting a late payment in XXXX.
Consumer complaint received 2018-05-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY ()

I am XXXX, I am XXXX years old, my name is XXXX XXXX XXXX, I have received by e-mail messages from wells fargo bank, about amounts deposited in my account, and credit card, the fact is that I do not have wells fargo account, never I used the wells fargo card, following the email received confirming that my wells fargo card will arrive. check it out, the links refer to the wells fargo page, it's not a fake page, someone opened an account on my behalf.

LOOK AT THE MESSAGE I RECEIVED, I ALREADY RECEIVED OTHERS SAYING I HAVE DEPOSITED VALUES IN MY ACCOUNT. 

Wells Fargo XXXX Your card will expire soon We are writing to remind you that your Wells Fargo Debit Card ending in XXXX will expire soon. 
Please check your address We will mail you a new card before your current card expires. Please sign on to view the mailing address.

You will receive another email once your card has shipped.

Your new card will retain the same card number and Personal Identification Number ( PIN ) as your current card.

Customize your card now Personalize your card before it ships by uploading a favorite photo1, business logo, or by selecting an image from our online library within the next 7 days. Eligible cards  can be easily customized by signing on to the XXXX XXXX XXXX. 
If you have any questions, please call XXXX ( XXXX ) or sign on to send a secure email. Phone Bankers are available 24 hours a day, 7 days a week.

Thank you for choosing Wells Fargo. We appreciate your business.

Sincerely, Wells Fargo Debit and Prepaid Cards wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to email us. 1Wells Fargo reserves the right to accept or reject any artwork, images, or logos. For example, any third-party trademarks, copyrighted materials, or name, image, and likeness of any public figures, will not be approved. 
XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with 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 those account 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 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 2024-08-07
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. (IN)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2018-05-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: 360 MORTGAGE GROUP LLC (FL)

I have been trying with Lender 360 mortgage, but I am behind so they will not accept partial payments only full payments with prearranges included also. since XX/XX/2016 they called me every two weeks to remind that they newer a debit collector and gave the new behind payment amount. Consumer law says they are on the lead of this to stop sale but the same questions of payments and intent of property are first and not take a payment. Now three weeks later we are still doing a hard ship letter again with same reasons but further explained as if the circumstances have changed much. But I have now got bad credit with giving up on credit score to keep home and now two weeks to sale I don't believe they have or even care of the impact this will have on my psychological state I have no other recourse due to college students [ children ] need expensiveness and garnishment for child support.
Consumer complaint received 2024-08-06
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. ()

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.