davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that TransUnion conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within 15 days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and TransUnion report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of 30 days and that the results be provided to me in writing.

Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA. 
Reference to XXXX ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-14
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)

I am writing to formally request the blocking and deletion of unauthorized accounts listed on my credit report. My personal information was compromised in a data breach, and the following accounts have been fraudulently associated with my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and removed immediately : Unauthorized Accounts 1. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$2700.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3500.00} XXXX. XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$3100.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00}
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I contacted Equifax and filed a dispute because they are reporting a bankruptcy disposition date of XX/XX/XXXX. However, the disposition date is XX/XX/XXXX. They are also reporting a date reported of XX/XX/XXXX. This is also inaccurate. I did everything right and waited two years post bankruptcy to buy a home using my VA eligibility. However, the whole process has been halted for months because when the mortgage company runs my credit they see a bankruptcy disposition date of this year, not the correct date. Because of this, they say I must wait two years from XX/XX/XXXX. This is not right. Equifax closed all of my disputes and did not update the date reported or disposition date. I even supplied them with my federal court discharge paperwork showing disposition of XX/XX/XXXX. XXXX and XXXX   are both reporting correctly. It's only Equifax that is causing a system error when processing mortgage. This needs to be resolved so I am privileged with my rights as a consumer to buy a mortgage and use my VA eligibility.
Consumer complaint received 2024-11-14
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. (MI)

I just recently looked at my credit report from TransUnion on XXXX XXXX and I saw some hard inquiries that didnt have permissible purpose. I also attached the evidence. 

XXXX. XXXX : ACT # XXXX -date status XX/XX/XXXX. Amount : {$19000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXXXXXX : ACT # XXXX status XX/XX/XXXX. Amount : {$6400.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXXXXXX XX/XX/XXXX. {$2100.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX : XXXX. {$15000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX : XXXX XX/XX/XXXX. {$2700.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX : XXXX XX/XX/XXXX. {$5400.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX : XXXX XX/XX/XXXX. {$15000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX : XXXX XX/XX/XXXX. {$13000.00} The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I did not give any kind of Consent to anyone to open these fraudulent Accounts I'm a victim of Identity Theft and now these Accounts are being sold to Creditor which is totally Wrong. This is not right!!!
Consumer complaint received 2020-06-22
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. (NC)

I have XXXX. All medical bills are paid through them. But yet I have a collection from XXXX. I didnt give anyone the right to look at my medical records. I would like this removed
Consumer complaint received 2020-06-22
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: EQUIFAX, INC. (LA)

Previously I disputed a credit card account on my Equifax credit report, because I assumed it should be reporting as an installment loan instead of a credit card. The creditor has verified that it should report as a credit card and no changes should be made. Someone at Equifax has removed the ENTIRE account from my credit report WITHOUT my request or the creditor request! 
I demand Equifax place this account back on my credit report and it's {$0.00} balance. 

I have contacted the creditor and received a letter to send to Equifax to report the account. 

XXXX Account Number : XXXX
Consumer complaint received 2018-10-15
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: AMERICAN HONDA FINANCE CORP (MA)

The reason for my writing is that Honda financial services are being unreasonable. I had XXXX on XXXX XX/XX/2018. This XXXX incapacitated me for a whole month while recovering back to my normal state. As a result, I fell behind on that month, monthly payment. I took the liberty to write to Honda on XXXX XXXX explaining to them what had happened, in regards to this medical condition. They requested that I send them proof of my Hospitalization which I did attach the medical certificate as proof of the sickness and my bank statements which showed I had enough money on my accounts to make the payment were it not for the medical condition. But to my surprise, Honda financial services refused to delete the late payment history of the time I was down due to the medical condition which was 100 % not my intention to be late. I have always had a good reputation with this company. I have Attached the letter I sent to Honda financial services.
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (GA)

This company XXXX XXXX XXXX XXXX XXXX XXXX placed an collection on my credit report and I had no knowledge of the bill. The bill is from XX/XX/2013 and no bill or notice from the doctor or hospital has been received. Neither did i receive a bill or notice from the collection agency XXXX XXXX XXXX XXXX # XXXX. They put it on my credit report still no notice of the bill just put it in collections. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX , AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-14
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)

To Whom It May Concern : Subject : Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 and 1681 ( b ) I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days upon receipt of the identity theft report. The following information on my credit report is the result of identity theft and should be blocked immediately : This letter is to notify you that I am a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached for your reference. There are fraudulent accounts on my report that do not belong to me. All required documentation has been included in this packet and has also been sent via fax and Certified Mail to your agency. In addition, I demand the immediate deletion of the following fraudulent accounts from my credit report : Please remove the following fraudulent accounts from my credit report : ACCOUNTS : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please ensure that these accounts are removed from my credit report without delay. I expect confirmation of the completion of this request in compliance with 15 U.S.C. 1681c-2. Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-14
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. (MS)

XXXX XXXX XXXX THIS IS NOT MY ACCOUNT.PLEASE REMOVE FROM MY CREDIT REPORT I have not supplied proof under the doctrine by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (SC)

This company keeps trying to say my identity was stolen. My identity was not stolen. There are many XXXX XXXX. I am just one of many. The address on file for this debt does not match my address and has never matched any of my addresses. I have never lived at this address. I sent proof to this company that I never lived at that address. Yet they are still trying to claim that my identity was stolen. My identity was not stolen. They have the wrong XXXX XXXX. 

There is a charge on my credit report that is not mine. It is an EMS charge with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the EMS company and told them it was not mine. The EMS agency confirmed the address was not the one they had on file and removed the charge from my credit report. However, the charge has now reappeared. This time I contacted the Collection Agency ( Applied Business Services , Inc. Security Collection Agency ) and told them it was not my account, and I provided them with a copy of my XX/XX/XXXXand XX/XX/XXXX XXXX showing my address, showing that since XX/XX/XXXX I have never lived at the address that the EMS company had on file - it is in another town! I asked them to remove this from my credit report because it is not my account. The credit agency did not do that. They simply sent my current address to the EMS agency. The charge is still on my credit report. 

My identity was not stolen. This is the wrong XXXX XXXX. I do not need to fill out and stolen identity paperwork. I already sent proof via certified mail of my address. I sent a copy of my XXXX for XX/XX/XXXX and XX/XX/XXXX and a copy of my driver 's license. I have never had my identity stolen and I am not claiming that my identity has been stolen. They have the wrong XXXX XXXX. The address on file with the EMS company does not match my address. I don't know how many other ways I can say this so that this company will understand.
Consumer complaint received 2020-06-22
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. (WI)

XX/XX/XXXX I requested that the ( Chapter XXXX Bankruptcy Acct # XXXX ) be removed due to non-verification of this account belonging to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified this account with as being mine. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX XXXX of Wisconsin. 

I have proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Experian is required by law to provide me the Business name, address, and phone number of the source they verified this account with. I was not provided that I have only been told that a vendor verified the information with them that the account is verified as being mine. This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Experian verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Experian that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. XXXX  was reporting this same account and after receiving the proof of this letter from the U.SXXXX Bankruptcy courts, they deleted the unverified account immediately.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

End of XXXX, received Sychrony Email Statement and ntoice {$1300.00} promotional rate is expiring on XX/XX/2018. 

On XX/XX/XXXX, we sent a Check in the amount of {$1300.00} before traveling overseas, to pay off residual balance of a Sychrony Card due XX/XX/2018. 

During the XX/XX/XXXX, I notice {$4000.00} charges was posted to my account on XX/XX/XXXX. I've immediately called to inquire about the reason for the charges, and followed their instruction to fill out a Dispute Acknowledgement form with a carbon copy of the check and a letter to describe the incident. Priority Mail was sent on XX/XX/XXXX with Letter and Carbon Copy of the check as instructed. 

During XX/XX/XXXX, I called Sychorny bank to check the Dispute Status. They response was there were no updates ; they will call me if there are updates. 

On XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  requesting Payment documentation to complete their investigation. 

On XX/XX/XXXX, I sent out a certified mail with Carbon Copy of the check and another letter to describe the incident. 

On XX/XX/XXXX, I called XXXXXXXX XXXX to check dispute status but the response was " there is nothing they can do, since they never received the check. 

During the period above, I have Never received any telephone calls from XXXXXXXX XXXX to inform the status of dispute nor receipt of my documentation.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

1. On or about XX/XX/2018, the Libellant sent a Credit Dispute : Demand to Remove and Delete Unverified Accounts/items/inquiries to TRANSUNION LLC. This notice was sent by USPS Certified Mail # XXXX XXXX and was delivered on XX/XX/2018 : Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. Despite prior two written requests, the unverified items listed remain on my credit report in violation of Federal Law. As a matter of law, TRANSUNION LLC was  required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct. TRANSUNION LLC did NOT provide me a copy ofANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( l ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore TRANSUNION LLC have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). TRANSUNION LLC  did not comply under Section 611 ( 5 ) ( A ) of the FCRA? by promptly deleting all information which can not be verified. Pursuant to Section 616 and 617, the law is very clear as to the civil liability and remedy available, and the libellant fully hereby enforce my rights under the FCRA. 2. On or about XX/XX/2018, the Libellant sent a NOTICE OF PENDING LITIGATION to TRANSUNION LLC. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/2018. Per USPS XXXX Return Receipt in the possession of the Libellant, TRANSUNION LLC did not respond with proof of claim. As a matter of law, TRANSUNION LLC was required under the FCRA to have a copy of the original creditor? s documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (TN)

Back on XXXX I sent out a certified letter requesting validation this was never answered. 


XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PCM To Whom It May Concern : Be advised this is an attempt to get a Validation of Debt Request Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe PCM. I am requesting proof that there was indeed a contractual agreement between XXXX XXXX and PCM signed and dated with both my signature and PCM signature on it, stating that I agreed to pay this debt to your company. If this said to be true that PCM claims, I am also requesting the beginning and ending of services that I rendered from PCM with my signature and again PCM XXXXAgent signature on it. 

Also, last but not least if PCM can show me Proven Documentation of their company practices are not using EXTRA TACTICS, MISLEADING - INVALIDATION of INFORMATION to the three major Credit Bureaus and no type of UNJUST ENRICHMENT within the company for gain off my personal information that was retain without my consent. 

Im respectfully requesting that your offices provide me with competent evidence of Court Documents showing proof that I have any legal obligation. 

At this time I will also inform you that if your offices have or continue to report Invalidated/ misleading information to any of the three major credit bureaus ( XXXX  XXXX XXXX  , XXXX XXXX ), I will move Rapidly to other steps legally. These actions constitute fraud and Identity theft under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company, again I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character Identity Theft XXXX___ [ Signature of Affiant ] Subscribed and sworn to before me, this XXXX day of XX/XX/2020. 

NOTARY SEAL _______________________________________________________ [ Signature of Notary ] ___________________________________________________________ [ Print name of the Notary ] NOTARY PUBLIC My commission expires : XXXX, 2020