davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
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. (FL)

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Transunion Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, transunion has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Transunion failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : XXXX  o Account Number:XXXX Present below the inaccurate information persistently affecting my credit report.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response. On XX/XX/2020 I mailed another letter. Still no response and these inaccurate accounts are still showing on my credit report.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I paid in XXXX {$62.00} for a credit repair services, then they gave me half off because I gave them a referral. Since XXXX, they did not do anything, they went ahead Send letters to only collectors on the XXXX XXXX credit report. That was early in XXXX XX/XX/XXXX or XX/XX/XXXX, I told him to withdraw the money by XXXX XXXX and that would be my due date there after. They sent letters to only the creditors on one credit reporting agency, XXXX XXXX, making it so this process would be about four months, instead of them Doing what they said they would do as soon as I paid my services, they would file an investigation with all three major reporting bureaus XXXX, XXXX, and XXXX. They only pulled one report, which is XXXX XXXX and they went off of that. They never bothered to file a consumer dispute on my behalf with XXXX, XXXX. They acted in bad faith making it so I would have to use their services for four months or so. Thats XXXX  I request all the money that was paid returned back to the same account that they charged. That would be XXXX plus XXXX. They should be ashamed of themselves charging {$130.00} a month to do nothing
Consumer complaint received 2020-11-15
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. (FL)

hello, this is actually my 3rd time reaching out to the credit bureaus regarding these fruadelent accounts and inquires on my credit report. They refused to investigate and correct the errors. These accounts are NOT mine. i have attached the FTC report below
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

on XX/XX/2020 I wrote a letter requesting verification of inaccurate accounts on my credit report. I never received a response. On XX/XX/2020, I sent another letter and still haven't received a response.
Consumer complaint received 2020-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

1. On XXXX. XXXX, 2020, XXXX XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XXXX. XXXX, 2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
3. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-15
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-01-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There is some errors on my credit report Already contacted XXXX and sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted Bank of America About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX edge, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!
Consumer complaint received 2021-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NC)

I do not owe this debt! I have disputed this account several times and it has been removed and keeps returning dropping my credit score. I do not owe a medical bill for {$500.00}! If I did I would have paid this.
Consumer complaint received 2021-01-16
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. (PA)

Hi, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are hindering me from getting the car and house I want. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-10-27
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. (NY)

I had an account with XXXX XXXX XXXX and the primary person who responsible for this loan has died. 
I contacted with XXXX XXXX XXXX and they say this account has been closed and there is no balance.
Consumer complaint received 2021-01-16
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. (NV)

There are many accounts on my credit report that I do not recognize nor have I applied for any of them. There are also many addresses in which I have not lived at. Please remove them. 103 Claims true identity fraud/account fraudulently opened.
Consumer complaint received 2020-11-13
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To TRANSUNION this is my dispute for you! 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of XXXX XXXX theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX ACCT : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2400.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$5500.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (ME)

I applied for a mortgage through quicken loans/rocket mortgage. I was directed to their credit department, and told i needed to pay down a couple credit card balances to get approved. I paid the down and was directed back to the loan department. At which time I dealt with a total of 3 different loan officers. I just checked my credit report and found out every time they put me in touch with another person they ran my credit without my permission. I explained this to their credit compliance department, and they told me it didn't matter because they could pull my report as much as they wanted within 45 days and it would not affect my score. I've been told by other lenders that this is a lie. I was told 1. ) they can not pull my credit without my permission, 2. ) They have dropped my credit score by at least 10 points.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

On XX/XX/2019 Flagship Credit Acce add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and and can send a bill and say its mines. According to the FCRA. Flagship Credit Acc has violation my rights as a consumer and I'm requesting legal action to remove this account immediately. Thank you
Consumer complaint received 2020-10-09
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: HW Holding, Inc (VA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 2 )  XXXX  XXXX  ( XXXX XXXX ) SEE ATTACHMENT 3 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce XXXX  Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2020-11-16
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. (FL)

XXXX  has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. XXXX XXXX has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Hi, I recently made a purchase, using my Capital One Platinum Credit Card. I made the purchase via XXXX to a Seller in XXXX. When I used my linked Capital One Platinum Credit Card, the Seller was charged approx. {$50.00} USD for the money transfer by XXXX. There was no notification alerting me that I would also be charged a fee by Capital One. I thought that I was making a Purchase, but Capital One charged me a Cash Advance Fee of {$30.00}, a Cash Advance Interest on that fee of {$4.00} & listed the purchase as a Cash Advance, which adds up to yet more interest, because it was listed as a Cash Advance & not a Purchase.I do not think that this is fair nor appropriate, because I was not notified in advance that this would be the case. I would appreciate very much if Capital One would refund my account the {$30.00} Cash Advance Fee, {$4.00} Cash Advance Fee Interest & label this transaction as a Purchase, rather than a cash Advance. Suffice to say, I will never again use the Credit Card in conjunction with XXXX  nor XXXX, because it appears that when you do so, Capital One lists the transaction as a Cash Advance. I hope that Capital One will have a heart & just this once consider my position. Thank You. 
XXXX XXXX XXXX
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

In XXXX, XXXX Sequium Asset Solutions put an adverse report on my credit on all 3 credit bureaus.

This is not my debt. I think it is for a cable bill to a house in Texas. I live in  XXXX Florida and have lived here non-stop since XXXX. I don't know anyone in Texas. 
I have tried to contact Sequium but could get very little information. I have tried to contact the credit bureaus but they want documentation. I have none. Sequium never called me or wrote to me before they reported it to the credit bureaus.

The bill is for {$180.00}.

I was given the phone number of a compliance manager at Sequium but every time I call it goes to voice mail and I am unable to leave a message.
Consumer complaint received 2020-11-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lakeside Recovery Solutions (GA)

On XX/XX/XXXX I was first contacted by XXXX XXXX of Lakeside Recovery Solutions by a threatening phone call about collecting a debt. I was threatened with garnished wages and told I had to act fast to avoid being taken to court for this. I requested information to be sent to prove the validity of the debt and was instead sent the original rental purchase agreement and skip tracing. On the same date, I responded via e-mail as well as certified mail formally disputing the debt and requesting the original credit application, financial account of the debt including all payments made and any other fees or charges added to the balance, copies of any correspondence sent and any other documents pertaining to the debt. I had also requested to be contacted only but mail or e-mail. I had not heard back. Over a year later on XX/XX/XXXX my boyfriend and I were left voicemails from a XXXX XXXX of the same agency. In these voicemails to myself and the third party, they left my name, address, gave information stating it was about a breeched contract matter under legal review against my name and social security number, and then left a file number to reference this complaint. He also contacted my mother and actually spoke with her on the matter, giving away personal information. When I spoke to someone from the agency, I had brought up the previous dispute and they claimed to have just bought the account and had no knowledge or history of it- even though it was the same company.