davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX regarding XXXX XXXX XXXX ) unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Consumer complaint received 2024-08-17
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. (PA)

i noticed continued same banks inquiry XXXX  XXXX  XXXX  on XXXX, and again on XXXX XXXX, and again on XXXXXXXX XXXX, and again on XXXX from XXXX these are fraud and not authorized by me please investigate and remove
Consumer complaint received 2024-08-18
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. (GA)

I reviewed my consumer reports and noticed that I have XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2022-02-14
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: I.C. System, Inc. (IL)

A company called I C Systems thats reporting on behalf of XXXX XXXX XXXX XXXX XXXX for the year of XXXX and Ive disputed this date several times with CRA but they say it keeps coming back verified when i never had XXXX in XXXX at all, now i did have the service in XXXX but when I dispute the incorrect information with CRA they obviously fail to do the proper investigation and its not right.
Consumer complaint received 2024-07-25
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 received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1500.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this accounts removed upon completion. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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. (PA)

According to 15. U.S.C. 1692 C, theyve violated my rights by unlawful communications. Please remove this collection from my credit report. Thank you. The debt is not valid, nor did they validate or send me a copy of my original contract with them.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, I received a notification from CITI in response to my prior complaint that they would be closing my account and I would receive a check for the balance within 60 days. It is now XX/XX/XXXX and I have not yet received my money ( {$74000.00} ). I have called customer service many times, been told I should see my money in a week or two more times than I can count, and been disconnected upon requesting to speak with a supervisor.
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (ME)

XXXX XXXX XXXX automatically sent me to collections without sending me a bill. Billing company XXXX XXXX XXXX XXXX, MA said they sent me a bill on XXXX, but on XXXX I received a collection notice. I'm not disputing the bill because I know I owe it, but they never sent me a bill of service to even pay it to begin with. 

Called company and they " didn't know how that would have happened '' and also stated that they sent a bill to me on XXXX but it was " returned ''. Funny thing is I got the collection company notice in the mail no problem. Said they would review my file and get back to me. They returned a call and said the bill was taken out of collections and that I could pay it. I paid, but now wonder if I have a blemish on my credit report as a result or if this was just a scare tactic to get people to pay their bill sooner.?? 

I believe the company is automatically sending patients to collections without notifying them of bills. I believed this is engaging in a predatory billing practice and in violation of the FDCPA. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Collection Company : Balanced Healthcare Receivables XXXX  XXXX XXXX, NH XXXX I wouldn't be surprised if these companies are owned by the same person. 

Just bringing this to your attention. 
Best, XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST COMMUNITY MORTGAGE, INC. (IL)

I have been in this situation for a year, it started with local flooding that put me out of work for months. I had just entered a full time position at my workplace that put me in a position of getting caught up and covid happened. I did not expect to be out of work for 7 months. In XX/XX/XXXX I spoke with a person from my mortgage company and she did not offer me any options other than pay my mortgage current. I keep getting letters of acceleration and charged interest during covid. I then got a new job and was injured. I have been out of work since XX/XX/XXXX. I saw a tv excerpt about know your rights and went on there and found out that I should have been given options a year ago. I was defeated seeing this. My mortgage company charges me interest and other fees for property assessment. My mortgage company calls me endlessly and at all hours and days. I did file for a covid hardship forbearance and I am still waiting to hear from them. I am upset that they could have helped me a long time ago and did not offer anything other than shaming me or blaming me. I just want to get this back on track again. Had covid not taken my job I would not even be to the point I am at again. I would have been caught back up and stayed on track.
Consumer complaint received 2024-08-18
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. (GA)

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that this payment were late. If no proof can't be provided I demand this payment to be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Consumer complaint received 2024-08-18
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)

This complaint addresses ongoing violations of the Identity Theft and Assumption Deterrence Act, the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and relevant Texas statutes. Companies are failing to safeguard personal data, resulting in unauthorized use of identifying information. These breaches directly violate federal and state laws designed to protect consumers from identity theft. The companies ' inadequate security measures, failure to place fraud alerts, and improper information sharing practices demand immediate investigation and enforcement of penalties as outlined in these laws. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX FCRA XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Filed ( XXXX XXXX ). FCRA Section 605 ( c )
Consumer complaint received 2024-07-25
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. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

On XXXX XXXX I sent CMRR ( XXXX ) for debt validation to XXXX XXXX, as I had no idea what this debt was on my Experian report. XXXX XXXX never responded. I disputed with Experian numerous times between XXXX and XXXX. XXXX XXXX XXXX I sent Experian a Certified letter, again, requesting explanation of this debt they 'verified ' ( Certified XXXX ) Experian always comes back as verified. I even called and spoke to a customer service rep for Experian and he was going to look into it. 2 days later, the debt is verified again. I 've written to Experian asking them to show me how they verified, and this has not happened. What is happening is that they are clearing in violation of the FDCPA.
Consumer complaint received 2022-02-14
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. (SC)

I recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration XXXX ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

I refinanced the auto in question in XXXX of XXXX ... My new lender paid the note in full which clearly shows in my statement from original lender ... The day after buy out was complete they received an additional payment from me which they processed ... The original finance company continues to show my account open with them ... I was made aware of this when I was denied financing on the purchase of a new vehicle in XX/XX/XXXX because my credit report showed two outstanding car loans ... I have I have called the finance company monthly since this time to resolve the issue ... Each time I was told " We see here that the information you've given us is correct We will submit a request to have the account closed ... check back with us in 3-5 business days to confirm. '' I call back to confirm and SURPRISE I'm given the same information again SAME response ... SAME RESULT ... Issue has yet to be resolved ... MY ONLY CERTAINTY I WILL NEVER FINANCE A VEHICLE THROUGH KIA MOTOR FINANCE AGAIN ...
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has information on my credit report wrong. Transunion has a mark that says I owe XXXX XXXX  XXXX money for an account previously owned by XXXX XXXX. This is not true, how can XXXXXXXX XXXX XXXX own the debt, and I have paperwork proving that I paid XXXX  directly already. My credit score dropped and that is just unethical this bill has been paid for a while now. Why is it on my credit report?
Consumer complaint received 2024-08-18
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. (GA)

I am a victim of human XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-25
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. (IL)

On the date of XX/XX/XXXX, complainant submitted a complaint with CFPB regarding inaccurate information on consumers credit report and requested for credit reporting agencies., XXXX XXXX XXXX XXXX and Experian to open a reinvestigation to discontinue reporting and then delete inaccurate information damaging consumers credit worthiness. 
Following the 30 days reinvestigation neither XXXX, XXXX, Experian, nor the original debtor could provide me with any documents to verify that i owe any debt connected to the following accounts : XXXX ( formerly XXXX ) Acct # XXXX - Date XXXX XXXX, XXXX and XXXX XXXX  ( XXXX XXXX XXXX  XXXX XXXX ) Acct # XXXX - Date XXXX XXXX, XXXX. Furthermore, there is a myriad of inaccurate and inconsistent account information ( e.g. inaccurate account type, Date opened, Payment status info, No. of months term, Last reported, Date last active, Date of last payment, and reporting of payment history. These accounts are obviously inaccurate and shall be deleted given their derogatory impact and should have never been modified to closed accounts. In addition to these inaccurate accounts complainant also disputes unauthorized and unverified hard inquires ; XXXX ( XXXX ), XXXX ( XXXX ), and Experian ( XXXX ). Please review all attached documents.
Consumer complaint received 2024-08-17
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. (AL)

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 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 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (CO)

Why would I subscribe to your services when you have already submitted a credit report that has ruined my credit limit. If I been on your files since XXXX you should know that I have lived at my present address since XXXX. The one address you reported XXXX XXXX XXXX was my parents address. The rest are bogus addresses. You don't have any employment info, I worked for XXXX in XXXX, XXXX for 27 years. The JPMCB Card Services is something I know nothing about. I don't know where you dig up your information but obviously you don't do a very good job.
Consumer complaint received 2024-08-17
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. (LA)

I have 2 hard inquiries about XXXX XXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses. 

I also have a police report which the bureaus keep requesting of me so with all I'm doing I'm requesting these things be removed.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I disputed this account repeatedly and it was removed from my credit. This month it is back, with the same company. This is a violation of the FDCPA and FCRA. They removed the inaccurate item from my credit, only to reinsert it 1 month later! This has caused damage to my character, my credit, and my self esteem, please help me!