davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with the creditors 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.

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 2024-10-10
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. (IL)

I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift response.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and I would greatly appreciate if the credit reporting agencies can be told to stop reporting inaccurate and incomplete accounts on my credit report. It is not far to me as a consumer. And it has cause me to be denied several times for loans, refinancing and credit cards. This is not a third party filing this report for I am a real person. Please look into this matter.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC (TX)

I have disputed several times with certified receipts letters to validate said debt with Javitch Block LLC on dates XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 - Javitch Block LLC- XXXX XXXX XXXX XXXX XXXX Not In Its Individual Capacity But Solely As Trustee Of XXXX XXXX XXXX XXXX XXXX I have not received ANY correspondence requesting proof of debt validation -certified letters were sent to this debt collector listed above to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore another debt validation letter was sent out on this.The Debt collector listed above still failed to respond accordingly to the Certified Letter sent for verified documentary evidence as requested in the Certified Letters sent. The requesting documents requested : provide Verified copy both front and back of alleged original contract in its entirety including any application accompanying by a commercial affidavit sworn to be true correct and complete, provide how you determine the alleged debt is within the statute of limitations and when the statute of limitations expired for this debt, explained how the added interest fees or other charges expressly authorized by consumer agreements, Itemized showing dates and amounts of each reduction or payments were accrued in your firms procedures, authorized by the consumer agreement and creating the debt or permitted by law, provide proof the alleged debt has not already been satisfied by any means available including but not limited to tax write off or an insurance claim, provide bill of sale assignment verifying that you have purchase evidence of alleged debt, verify understanding that credit card contracts are a series of continuing offers to contract and as such are non transferable. Provide verification and documentation that is valid basis for your form charge off of the alleged debt- for example provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account. After reviewing credit report again, several attempts to receive discovery documents. There have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has no authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and I would greatly appreciate if the credit reporting agencies can be told to stop reporting inaccurate and incomplete accounts on my credit report. It is not far to me as a consumer. And it has cause me to be denied several times for loans, refinancing and credit cards. This is not a third party filing this report for I am a real person. Please look into this matter.
Consumer complaint received 2024-08-20
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)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> and XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-08-20
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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.
Consumer complaint received 2024-10-10
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. ()

XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

tHIS CAR WAS TOTALLED IN XX/XX/XXXX. INSURANCE REQUESTED PAYOFF AMOUNT. XXXX SENT PAYOFF AMOUNT AND THEY PAID IT. GAP DID NOT HAVE TO PAY ANYTHING BECAUSE THEY SAID THE LOAN WAS PAID OFF BY MY INS CO. IN XXXX AN AMOUNT OF {$1600.00} WAS PUT ON MY CREDIT REPORT. THEY SAID THIS WAS PRINCIPAL THAT WAS OWED. ASKED FOR DEBT VALIDATION AND XXXX XXXX XXXX TOLD ME THAT THEY DID NOT HAVE ONE.
Consumer complaint received 2024-10-10
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. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-10
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-07-03
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. (NY)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2024-10-10
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. (CA)

Subject : Refusal to Pay and Dispute of Alleged Debt Account/Reference Number : Chapter XXXX Bankruptcy : Bankruptcy Dear Sir/Madam, I am writing to inform you that I am refusing to pay the alleged debt referenced above, and I am invoking my rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). This letter serves as a formal refusal to pay the debt and a demand that you cease any further communication with me regarding this matter. 
FDCPA - XXXX XXXX ( 15 U.S.C. 1692c ( c ) ) Pursuant to 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the collector to cease communication, the collector must stop all communication except for notices allowed under the law, such as : To advise that your collection efforts are being terminated. 

To notify me of any specific legal actions you intend to pursue against me. 

Any further communication beyond what is legally allowed will be considered a violation of the FDCPA, and I will take appropriate action, including reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

FCRA - Dispute of XXXX and XXXX XXXX addition to the refusal to pay, I am disputing the validity of this debt as it has been reported to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I demand that you : Immediately cease reporting this debt to any credit reporting agencies until it is fully verified. 

Ensure that, if you continue to report this debt, it is marked as disputed in accordance with FCRA regulations. 

Investigate and validate this debt, providing all evidence to substantiate your claim. 
If you are unable to provide verification and validation of the alleged debt within the statutory timeframe, I expect the debt to be removed from my credit report as required by the FCRA. 

Legal Actions and Further Steps Please take notice that I reserve my right to pursue all legal remedies available to me should you fail to comply with this letter or violate my rights under the FDCPA or FCRA. 

I am keeping a detailed record of all correspondence regarding this matter and will not hesitate to escalate the issue if necessary. 

This letter should also serve as a formal request to cease all communication regarding the alleged debt at once. You XXXX only contact me under the limited circumstances permitted by law as outlined above. 

Thank you for your attention to this matter. I expect prompt action on your part in accordance with federal law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
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 a account without 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-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.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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. (CA)

I DON'T UNDERSTAND WHY Y'ALL KEEP DENYING MY IDENTITY THEFT CLAIM. THIS IS PURE FRUSTRATION AND ANNOYANCE TALKIN ' HERE, BUT IT JUST DON'T MAKE NO SENSE! Who gave YOU THE RIGHT TO SAY I AIN'T BEEN A VICTIM OF IDENTITY THEFT? I know what's goin ' on with my own stuff. Y'all ain't no judge or jury! I sent a legal law enforcement agency report to prove what happened to me. Let 's get this sorted out within the 5 days the law says you got ta do it in. Don't make me come after you! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Consumer complaint received 2023-07-03
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

GENESIS CREDIT MANAG XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Reported that I had a collection at an apartment that I never stayed at. Collection agency has no proof that I stayed at this apartment and will not provide any proof or remove from my account. In addition, this collection agency is fraudulently raising the amount that is said that I owe every month. Collection agency will not remove fraudulent claim from my credit report.
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (FL)

I moved to the XXXX  from XXXX, so I was required to register my car as a new resident. I went to the Florida DMVXXXX XXXX Tax Collector XXXX XX/XX/2023 to start the registration. Over the next 2 months, the Tax Collector tried on numerous occasions to request the title from Audi Financial/VW Credit in order to complete the registration but received no response. I contacted the Texas Department of Motor Vehicles and they confirmed that a copy of the title was sent to Audi on XX/XX/2023. However, Audi claims that they can not locate it. I have called Audi multiple times to have them request the title again. None of their representatives seem to know why its taking so long to process the request. The current registration for my vehicle has expired and I can not renew it because I no longer live in XXXX. How do I get this resolved?
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (OK)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.