davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
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 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. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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. 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 an account without my written instructions.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (PA)

Got letters from lawyers office about a law suit, I called and they said theres a lawsuit against me but I have not received anything, and was told the judge will be in favor of the plaintiffs, I dont know anything about this debt, or who its from, all I know its XXXX. Im not sure when this civil suit is going to happen, I have had my identity stolen 3 times, every thing of mine is locked.
Consumer complaint received 2024-09-07
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. (IA)

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This action being taken each month it affects my credit score, credit report, and creditworthiness.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-05-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

I was involved in an auto-accident in XXXX XXXX after being hit by another driver in traffic. As a result, I went to the hospital for XXXX immediately following the accident. At the time I was not covered by medical insurance so the policy I was under covered the bills plus sought reimbursement from the other driver 's insurance company. There was some confusion around this as the hospital and insurance companies failed to communicate with each other properly. 

I have not heard from any parties re : this matter until 3 weeks ago when I received a notification on XXXX of my credit monitoring services that a debt collection agency had filed a collection account with all XXXX credit reporting bureaus. I had not received any mail, email, or phone call from this agency threatening such action and at the time, I had no idea what the debt was relating to. After sending a request for debt validation, they sent me a copy of the hospital invoice which states quite clearly " no response '' from insurance company. 

I contacted XXXX ( my insurance at the time of the accident ) to find out what was the outcome of the claim. Their response ( which I have in email ) states that all debts had been paid to the hospital, but they had the case still open on their system because there may have been a double billing issue ). 

I have already been penalized XXXX pts on my FICO score because of this matter which has caused me to cancel a consultation re : a personal loan for my wedding on XXXX XXXX, XXXX because of a significant hike in interest. 

I will be informing said company in the coming days that they need to take immediate action to rectify the damages to my credit report.
Consumer complaint received 2024-09-07
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)

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

TransUnion has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to 5 million individuals Five years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 

XXXX, one of the XXXX XXXX information services groups, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX. The incident was particularly concerning due to the nature of XXXX XXXX business, which involves handling sensitive personal credit information.
Consumer complaint received 2024-09-07
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. (OH)

This debt was paid in full to the original debt holder. 

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 XXXX # XXXX, has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder. 15 U.S.C. 16815-2 ( 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. 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 fumish a account without my written instructions
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (AZ)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-29
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

I purchased piece of furniture from a furniture store in XXXX, XXXX  for {$1300.00} including taxes in XX/XX/year> using my Apple Card. After having the item in my home, I discovered that it was infested with wood-boring beetles. 

The seller subsequently accepted the return of the piece but refused to cancel the charge, citing an internal all sales are final policy. I disputed this charge to Apple, noting that they are asking me to pay for an item that I do not have, and further noting that the furniture piece failed the implied warranty of fitness test. 

On repeated instances over the last year, Apple has returned a ruling against me with no explanation about why they have thus ruled and added the charge back to my statement. Following these rulings, I have contacted Apple and asked for any information about what further documentation or information they would need. They have then repeatedly returned only a form letter requesting things like a second opinion about the piece ( which is not in my possession ) and then finally ruled against me again. 

This cycle has continued over and over. I have searched in vain for any way to escalate the problem within Apple to get someone to explain what they need, and to explain how they could expect me to pay for an item which I do not have.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (NY)

I sent VWCREDIT {$13000.00} certified check with the Bill of Sale and Odometer Disclosure statement on XX/XX/XXXX. 

I was notified by letter via USPS on XX/XX/XXXX the two documents were rejected, - the odometer number had an illegible number, they couldn't tell if the last digit was an XXXX or a XXXX. 
-The Bill of Sale had lines drawn through the co-owner signature line, it needs to remain blank if there is one owner. 
I resent both documents. 

I learned on XX/XX/XXXX the Bill of Sale was not received. I resent. 

I learned on XX/XX/XXXX the odometer disclosure was rejected as it was not dated. I re-faxed. 

On XX/XX/XXXX I learned the Odometer statement was not received, their fax machine was " not updating ''. I learned during this conversation the Bill of Sale was still also rejected, they claim to never have received the corrected version sent in XXXX.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-07
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. (MA)

There is a company collection account on my credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX and the account number is XXXX for a balance of {$820.00}. I believe that this is fraudulent account because on my XXXX report it is saying that this account was opened on XX/XX/year> and this is not true. I would like you guys to delete this account from my credit file because its not my account. I'm gong to upload information that can verify my identity such as a Massachusetts ID card and copy of my U.S. Passport and Social Security card.
Consumer complaint received 2024-09-07
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. (FL)

I saw some unauthorized inquiries on my credit report today, and I have no clue why they appeared. When I checked as I normally do, there were random discrepancies. I tried refreshing the browser, thinking it might be a mistake, but nothing changed. I feel very frustrated and need the documents I submitted to be checked carefully so this can be resolved once and for all.
Consumer complaint received 2024-09-07
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)

I dont feel I should pay an account that I did not authorize to be opened I already reported fraud and sent that proof of a previous report over to you guys and you have still FAILED to remove these discrepancies from my credit profile it is hurting my ability to obtain credit According to the Fair credit reporting act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item for my credit report. XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2024-09-07
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. (IA)

XX/XX/XXXXXXXX and Transunion are continuing to report a " charged off '' account as an open account.XX/XX/XXXX responded to last complaint stating an account can be charged off and open at the same time while it was also sold to a collection agency. Charged off accounts CAN NOT be charged off AND open at the same time. This is violating FCRA requirements for accurate reporting with TransUnion. The account status needs to be placed under Closed with the Charge Off and balance remaining, or the account MUST be changed to Past Due and open with balance remaining.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (SC)

I used Delta for making airline travel a year ago. It asked if I wanted to sign up for skymiles with American Express. I thought I would be flying more but decided to move instead. I received an email stating I could cancel and be reimbursed the XXXX fee. I contacted XXXX on XXXX and canceled the credit card since I did not use the skymiles or use it for any purchases. XXXX canceled the card but refused to reimburse me the XXXX since I never used the card or the skymiles.
Consumer complaint received 2024-09-07
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. (IA)

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This by this action being taking each month it affects my credit score, credit report, and credit worthiness.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Greentree and now Ditech both have failed to properly apply extra monies from my monthly payments to principal. After numerous complaints to them to correct the issue I still do not have my account updated and corrected. 
- Writing how to apply funds on check and statement and mailing it. 
- Calling and having them to document it. 
- Using their website ( auto pay ) they took more than authorized twice. 
After going them the required 30 days to look into the matter, they sent me a payoff quote that was no different than what I could pull off their web-site. There was no adjustment and no comments on looking into the account.
Consumer complaint received 2024-09-07
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX  since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.