davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2021-03-15
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. (VA)

TransUnion is refusing to allow me access to the information that they have on file for me regarding a collections account with XXXX XXXXXXXX. I do not even know what the charge is for. Every few months I dispute it. They then perform a cursory investigation ( one time it only took them1 day to do the investigation ). I have called them and asked for the information contained in the file and they have told me that they will not send it to me. I would like to know what the charge is for.
Consumer complaint received 2023-10-02
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. (MN)

I contacted Experian because they continue to report incorrect information about XXXX old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using Experian 's online dispute form, and was contacted about a week later saying Experian resolved the dispute. However, when I logged-in to see the resolution, all Experian had done was send me a note saying I should call XXXX. When I originally submitted the dispute with Experian, I informed them that I had already attempted to resolve this issue with XXXX but XXXX has not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with Experian was almost 1 year ago, and in the past year XXXX closed my account when they transferred my accounts to XXXX, where both my loans was subsequently completely paid and my accounts closed. I submitted all this information to XXXX and Experian but they will not correct these errors in my credit report file.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX instigated a foreclosure action on XX/XX/XXXX. I wrote to XXXX XXXX on XX/XX/XXXX ( copy of letter included here ) because they, as trustee, are not authorized to commence foreclosure proceedings. I also attached a copy of their own published booklet which states that the Trustee does not foreclose - but here they are doing exactly what they say they can't do. I have received no response to my letter.
Consumer complaint received 2019-06-04
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. (AL)

I was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, USDOE/XXXX, US DEPT ED, XXXX, USDOEXXXX, XXXX/XXXX, XXXX XXXX, XXXX
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2020, I purchased airline tickets with a third party company, XXXX. The purchase price was {$5500.00}, for XXXX adults, XXXX senior and XXXX child. Purchased on my Chase credit card. The tickets were for United Airlines leaving on XX/XX/2020 from XXXX NJ to XXXX XXXX. Because of the world wide pandemic, United Airlines has cancelled my flight. I called XXXX several times to see about a refund, but got no response, until I called Chase, and filed a dispute. An email was send to me from XXXX offering my a refund of {$3800.00}, taking out " fees and taxes '' of {$1600.00}. However United Airline were giving back a full refund, without penalty, fees or taxes. Chase re-billed my credit card for the full amount ( {$5500.00} ). When I called to inquire why. They claim because the dispute was not justified since I had authorized the charge. However, according to the Fair Credit Billing Act. I did not received any goods or services for the charged amount. The XXXX XXXX XXXX has 62 complaints on file from other customers of XXXX, stating the same thing has happened to them.. Charging taxes and fees. This is shameful business practice, taking advantage of consumers during these tumultuous times. And shameful on Chase for not recognizing a violation of the XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-21
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Bought XXXX Vanilla XXXX and when I tried to use them at the store and got a message saying " XXXX Encryption failed ''. It seems to be another magnetic stripe problem. Why doesn't XXXX just have stores sell the variable/ high value gift cards from behined the counter / register so that they cant be tampered with?
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 XXXX : {$0.00} ; 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2023-10-02
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: EdFinancial Services (MN)

I contacted XXXX because they continue to report incorrect information about 2 old loan accounts I had with EdFinancial. I disputed these inquiries ( with documented proofs ) using XXXX 's online dispute form, and was contacted about a week later saying XXXX resolved the dispute. However, when I logged-in to see the resolution, all XXXX had done was send me a note saying I should call EdFinancial. When I originally submitted the dispute with XXXX, I informed them that I had already attempted to resolve this issue with EdFinancial but EdFinancial has not removed the incorrect information, nor have they done anything else to correct the error. The last time EdFinancial updated my file with XXXX was almost 1 year ago, and in the past year EdFinancial closed my account when they transferred my accounts to XXXX, where both my loans was subsequently completely paid and my accounts closed. I submitted all this information to EdFinancial and XXXX but they will not correct these errors in my credit report file.
Consumer complaint received 2024-08-24
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. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (OH)

These are not my accounts. I have sent certified mail requesting Assignment of Debt, Method of Verification and Validation of Debt. I was not looking for a response from e-Oscar system. It's been over 30days with no response. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a letter from XXXX dated XX/XX/202 informing me that a Bankruptcy record was removed from my Consumer Report because they were unable to verify the accuracy. On XX/XX/2020 I sent a letter to TransUnion informing them of the deletion, attached a copy of the letter from XXXX and requested that they remove the bankruptcy public record from my credit report. I received a letter dated XX/XX/2020 from TransUnion stating that the record was verified as accurate by XXXX and would not be deleted. 
I don't understand how TU verified it through XXXX if XXXX sent me a letter stating that they could not verify the bankruptcy.
Consumer complaint received 2020-05-18
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. (OH)

These are not my accounts. I have sent certified mail requesting Assignment of Debt, Method of Verification and Validation of Debt. I was not looking for a response from e-Oscar system. It's been over 30days with no response. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-18
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. (OH)

I have sent certified mail about XXXX XXXX XXXX # XXXX payment is history is inaccurate, please method of verification of late payments. All the parties involved in the investigation : Full Names, Phones, Addresses, Documents, and Dates. I have to right per the Fair Credit Act to request this information.
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

This matter stems from a rental property in XXXX XXXX XXXX, XXXX owned by XXXX XXXX XXXX. My son and I moved into the property on XX/XX/2016 after moving from XXXX. Once in the home it became apparent there were several urgent repairs needed. I contacted XXXX XXXX about the problems and they told me someone would be coming out to do repairs but they never did. I continued calling as at this point the fence had fell in ( just to mention one thing ). XXXX XXXX was well aware when we moved in we had dogs and the fence was mandatory. Finally, after 2 weeks of attempts to contact them, instead of making necessary repairs, they served me with an eviction notice. I was working for a law firm so they reached out to XXXX XXXX 's legal counsel and a made settlement agreement for {$1700.00}, this included 30 days of rent and half the security deposit. It was agreed we would vacate XX/XX/2016 and no further collection efforts from either side would be pursued. 

It is my understanding Hunter Warfield ( a collection agency ) was hired by XXXX XXXX XXXX to collect {$1900.00} from me in violation of our settlement agreement. I have sent Hunter Warfield the settlement contract from XXXX of 2016 along with receipt of payment at least 3 times. In response they sent me the settlement agreement back and said their client ( XXXX XXXX XXXX  ) confirmed the debt. 

At this point there is no way they do not know this was settled but it is still listed on my credit report. I have been trying by mail, phone and email to settle this matter for more than 2 years now. Hunter Warfield will not cease collections and have the collection removed from my credit report.
Consumer complaint received 2020-05-18
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. (AL)

i recently disputed inaccurate/invalidated accounts with equifax over 90 days ago and those same accounts still appear inaccurate. Also i never received a response back from the last dispute over 45 days ago explaining why these accounts are inaccurate. this really has put me into XXXX seeing this. i tried looking to dispute these with the collection agency but equifax is in serious violation because they have no information on the accounts as in address phone number or nothing so i could dispute. im seeking litigation. i just XXXX fcra section 611 and it states these accounts must be removed as well.
Consumer complaint received 2023-11-21
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

Back on XX/XX/XXXX I sent a letter to Equifax disputing inaccuracies on my credit report. I still haven't received any notification. I also sent in a comply letter in hopes of an update but to no avail I didn't get a response.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 
XXXX XXXX : # XXXX, has violated my rights. 
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 2023-04-27
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. (GA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (NJ)

I've contacted Fortiva twice by mail ( letters dated XX/XX/XXXX and XX/XX/XXXX informing them that I am having difficulty making payments as I have been furloughed from my employment due to the covid-19 crisis. I've told them I do not know when I will be called back to work and I am running low on my savings. I've offered to make a one-time payment of {$150.00} from my covid-19 stimulus payment if the balance can be considered paid in full. The account is closed and the balance due is {$220.00}. 

They wrote me back and said they would defer the XX/XX/XXXX payment however it was taken out of my account. I called them on XX/XX/XXXX and spoke to a representative who told me that no settlement can be made since the account is not in default. 

My economic situation is already dire and now they want me to be in default with potential harm to my credit before they can even accept my settlement offer? This is not good business especially in light of this national crisis.