davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On my XXXX XXXX credit card it was closed and now it says dispute resolved customer disagrees or something along those lines. I have contacted the credit bureaus and it gets removed and then reappears. Im not sure what to do. The account was in good standing and was paid off in full
Consumer complaint received 2024-10-16
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. (NH)

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO ( Transunion ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX XXXX on XX/XX/year> under the ( XXXX account number ). These accounts have resulted in several fraudulent late payments appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Balance {$3100.00} I have tried numerous times to get this account verified and Portfolio has not provided me with sufficient information to verify this account balance is correct, if the have the right to own it or if they in fact the debt is even mine. 

Date opened on XXXX  shows XX/XX/XXXX but XXXX  and XXXX  show XX/XX/XXXX. Account number is XXXX on XXXX  but on XXXX  and XXXX  show XXXX. Date of last payment shows XX/XX/XXXX on XXXX  but Portfolio sends me a statement showing a date of XX/XX/XXXX. 

Notices sent to Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and Portfolio has ignored my request for the proper information to validate this debt. 

My request have also been asked to the following credit bureaus XXXX, XXXX  and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet the information still has many inconsistencies being reported This is unacceptable how can I verify the information if they have not given me a date of first delinquency or even know how the balance they are requesting is the right amount just by a bill that was sent to me.

Bill statements given is as follows XX/XX/XXXX balance {$1600.00} ( paid {$27.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2000.00} ( paid {$39.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2100.00} ( paid {$64.00} on XX/XX/XXXX ) - XX/XX/XXXX balance {$2300.00} ( paid {$75.00} on XX/XX/XXXX ) - no statements given for the following XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX balance {$3000.00} ( paid XXXX  ) XX/XX/XXXX balance {$3100.00} ( paid XXXX  ) There is no signed agreement or bill of sale given between the creditor they state they got bought this account from. 

Where is the copy of the Original Debt Notification Letter
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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


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


I demand the late payment reported to be removed. 


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


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-17
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. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXInquiryXX/XX/XXXX XXXX XX/XX/XXXX Incorrect Information : XXXX EMP - IncorrectPersonalEmployers XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXX XXXX XXXX - Incorrect Names
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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 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 Bureaus, 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 30 days 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 immense stress 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, I entered into a disaster forbearance, due to a storm in XXXX. Prior to the forbearance ended, I called on XX/XX/XXXX to apply for resolution to the forbearance. I was told the process was an application, which I completed over the phone. On XX/XX/XXXX, I called back and was told I was put into another forbearance. I asked that I be reevaluated for other programs. I again did an application over the phone. I was assured that I was in loss mitigation and that my credit report would not be affected during this process. I called again on XX/XX/XXXX for a status update, I was told the application that was supposed to be done on XX/XX/XXXX was not done and I had to do another XXXX, which I did. On XX/XX/XXXX, this same thing happened again ; again on XX/XX/XXXX I went through the same process again after I received approval for the Stand Alone Partial Claim twice, and it was not honored either time. On XX/XX/XXXX, I called after returning the acceptance of the Partial Claim and was told I was put back in a forbearance. Each time I spoke with my mortgage company I asked about my credit and was assured that I would not be affected because I was in this process. On XX/XX/XXXX, I called after finding out that it has been reported that I was delinquent on my credit report and was on hold for XXXX hour and XXXX minutes for a supervisor, the supervisor answered and put me back on hold. I was then told that she would get back to me within XXXX. I have not received a call back to date. My credit is still affected and my issue with the forbearance remains.
Consumer complaint received 2024-10-17
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. (GA)

I hope this letter finds you well. Upon reviewing my credit report, I noticed several accounts that I do not recognize and believe should not be there. I am writing to request validation of these accounts to confirm their accuracy. If these accounts can not be validated, I request that they be removed from my credit report immediately. 
Please notify me of the results of your investigation. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-16
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. (AZ)

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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted disputes with XXXX, XXXX and Transunion in early XXXX, these disputes completed at the end of XXXX with positive results for me ( accounts were deleted ). I have received updated credit reports, but the credit score has not been updated. I contacted the credit bureaus MULTIPLE times and have either been given the run around and/or being gaslit by representatives. I then contacted myFICO and found that the credit bureaus are not or have not submitted the updated information to myFICO, which is why my credit scores have not been updated.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hi This complaint is about COINBASE who are holding {$2900.00} of my money and refusing to credit my account with amount. I have requested several times for its return through creating a new transaction to return it from whence it came, the only response being an automated negative rebuff, although it does state they have my transaction. 

On the XXXX20 I sent the money to coinbase AFTER THEY GAVE ME A TRANSACTION ADDRESS to receive the money. I have checked this address and it is correct. 

I have contacted organizations who specialise in these matters and are able to assist coinbase to create new transactions to return monies owed, but state that although coinbase are able to help they are refusing with feeble excuses. 
Coinbase are able to help as they hold the key address. 

I have checked on line and there are many complaints of the same problem and coinbase are holding hundreds and thousands of Dollars belonging to customers and refusing to return the money. 

If they do not want to deposit the money in customers accounts then they should automatically reject and return the funds. 

Many thanks Mr. XXXX XXXX
Consumer complaint received 2021-01-12
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: V and H Portfolio (GA)

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : VANCE & HUFFMAN LLC Original creditor : XX/XX/XXXX XXXX XXXX XXXX 
AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AR)

I have my consumer report as XX/XX/2024 from Equifax i went through my report and i notice alot of incomplete categories and also alot of inaccurate information. i took the time to highlight the incomplete categories and i also highlighted the inaccurate information on the consumer report. I also wrote a 11 page letter of every single incomplete and every inaccurate item that wasnt right. I ask Equifax to correct the accounts or delete the accounts. Whenever Equifax prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Their are so many FCRA violation Equifax is doing and im giving them opportunity to correct the situation
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I first contacted Amerisave on XX/XX/2021 to refinance my home loan. I was put in contact with Loan Specialist XXXX XXXX. XX/XX/2021 I paid for the {$500.00} Application fee and asked them to include my girlfriend on the loan just like she is right now. XXXX told me that they would have to transfer the {$500.00} to a new loan and that he has to wait for a manager to do it. It is now XX/XX/2021 and the fee has not been transferred. I've emailed Amerisave over 16 times and probably called and left twice as many voicemails. I also have complained to XXXX XXXX at Amerisave, and still, no one has called me. This company has wasted my time and stole my money.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-10-17
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. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX