davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an ID Theft Report. Please find the ATTACHED documents to assist in the removing and blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 2024-09-10
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. (NY)

Ive noticed unauthorized inquiries on my credit report and want them to be deleted IMMEDIATELY.

the inquires are : Transunion : 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 2023-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (VA)

I received a notification of a negative report on all 3 of my credit bureaus from Hunter Warfield for {$3300.00}. I was not given any notice of this debt nor was I afforded my rights as a consumer to dispute the validity of this debt. 

I do not believe this debt to be valid and the collection company was unfair to report this on my credit report causing me financial harm without notifying me in advance and giving me an opportunity to avoid this financial harm. 

I called the collection company on XX/XX/XXXX  to let them know that I was disputing this debt and to get their email so that I can send an email letting them know that I officially dispute this debt and to request more information from them. I was transferred to XXXX XXXX who was reported to be a manager. 

After expressing my concerns to XXXX, I was told that they attempted to call me but left several messages. Unknown and robocalls are often blocked through my phone settings so I didn't receive any calls or messages from Hunter Warfield. When I have received messages in the past, they don't have any specific details about the debt they're calling about which could have easily led me to associate the calls to the account I currently have in collections with the company. 

XXXX also said that Hunter Warfield hasn't mailed me any correspondence ( although they had my mailing address from another debt I had in collection with them in recent months which I have recently paid in full ). I couldn't understand why they mailed me a letter about the last account I had in collections but not this account. 

They chose instead to email me. By his own admission, these emails often end up in spam, junk, and promotion folders which are essentially undelivered. In fact, these emails are deleted on a schedule. I never received a call, an email, or a letter in the mail regarding this debt. I can't help but feel blindsided and treated very unfairly by their methods of communicating with consumers and subsequently reporting matters to credit bureaus. 

At the end of this call, I was given their email address and I emailed Hunter Warfield a letter today XX/XX/XXXX  which I will attach below.
Consumer complaint received 2023-09-26
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. (MD)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-24
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)

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 2023-11-24
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. (DE)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$410.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$6800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-24
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)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2023-09-26
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. (MD)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2023-11-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (CA)

I canceled my wire transfer into my Wise account because they mentioned that it would take 3 weeks for them to credit my account. But when I cancel it, they refuse to send it back to the originating account, and keeps telling me I need to fill out their form online with the refund instructions. The problem is I can not fill out their form because their form doesn't provide " further credit to '' field which is required for me to get the wire returned to the originating account. My originating account in the US a private banking, and requires " further credit to '' field. Wise refuses to accept the instructions that I've emailed them, and continues to tell me it's not possible to refund to my originating account because it requires " further credit to '' info. And now they've stopped responding.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX  and with CFPB as well and they still have not corrected my report. And past reporting to credit. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . 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.

With that being said you cant report a charge off and current late payments on a credit report and this is clearly a violation of fair credit reporting. Thats like double damage to credit reporting on me in all credit agencies. I have been disputing this same is time and time again and this is causing a hassles for something that should be deleted because it violates the law of credit reporting by all agencies. And reporting a past due amount on an account that is charged off as well.
Consumer complaint received 2023-11-24
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00}-
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

I have been receiving supplemental tax bills since XX/XX/2023. After being informed by United Wholesale Mortgage ( UWM ) that I was responsible of some of these bills I immediately paid {$5600.00} out of my own pocket, even though my mortgage is impounded and money is put into escrow monthly to take care of any property tax and insurance costs. UWM informed me that the remainder of the costs would be taken out of my escrow account. On XX/XX/2023, I received another property tax bill stating that I still owed {$4500.00}, which included {$770.00} in fees and penalties. I contacted UWM again via email and phone call. They again reassured me that this will be taken care of on their part and that this situation would be moved to the Escalation Team. This repeated where an email and phone call was made every other month as I continued to receive these property tax bills, while still paying my mortgage on time. On XX/XX/XXXX, I made my 4th attempt to get this resolved and was guaranteed that the following day someone was going to contact the tax collector 's office to get this resolved and that I would receive proof of this. I did not receive any proof and on XX/XX/2023, I received a lien notice for my house due to outstanding/delinquent property taxes of {$4900.00}. I'm stuck in the middle as the mortgage company is in control of my escrow account and releasing funds, yet the tax collector is contacting me to pay the taxes. I will try AGAIN tomorrow morning to contact UWM in hopes of getting some proof of what is happening and will leave work early to try to get this resolved with the tax collector 's office myself or pay the outstanding balance in HOPES that I will get reimbursed by UWM.
Consumer complaint received 2023-11-24
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. (NC)

This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent XXXX letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
- XXXX XXXX XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

Mortgage XXXX Company XXXX Residential Credit Solutions or RCS XXXX was moving forward with foreclosure process although we were still in the modification process. In fact, I notified this company in writing that I had started working with Keep Your Home California but received the Notice of Sale a week later. Also, many items of correspondence from this servicer were time sensitive but dated in such a manner to make them delinquent before received via mail ( thereby preventing timely completion at the outset ).
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AK)

I am XXXX  % XXXX  and XXXX  veteran whose student loans were discharged but company is still refusing to cooperate and TOTALLY REMOVE ALL aspects of negative impact of my student loan I need immediate action and relief to take place concerning this by all credit bureaus they are failing to help me with company still negatively reporting loans even they should not even be listed. showing a charge off does not delete it of my credit report. one thing about college i did lean is DELETE means Delete!. still showing fragments of the debt is still taking action against me and after trying to resolve issue i wonder if there are other structural and institutional efforts at work to continuously suppress and negatively impact my score. enough is enough please have them delete items off my report immediately.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XX/XX/2023 request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses and phone numbers that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. I have one name : XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX does not belong to me. I have one address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and one phone number XXXX. The other numbers are inaccurate. I never worked for XXXX. Please remove XXXX XXXX XXXX from my credit report this is outdated information and inaccurate. I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. Transunion is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file.
Consumer complaint received 2023-09-26
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Michael J. Scott, PC (TX)

I reached out to the company assigned in the XXXX XXXX XXXX to the receivership noted on the court filings and the receivership responded by stating their law firm has no record of my my case. I feel like the plantiff is makling a false statement. Furthermore, I have provided the 3rd party debt collector with my bankruptcy XXXX  XXXX contact information and request they cease contact with me but they continue to send me legal filings. My attorney is no where to be found and have been thrown to the wolves to spend every waking hour researching law to defend myself. 

Please help me ... .... 

XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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)

This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX