davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-14
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. (IN)

I am writing to formally dispute the bankruptcy listing on my credit report, as it inaccurately reflects my current financial status. Per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate and up-to-date. 
Attached, please find documentation from both the courthouse and XXXX proving that my bankruptcy has been resolved. This evidence substantiates my claim that the bankruptcy listing should be removed from my credit report in accordance with the FCRA. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), inaccurate reporting of my financial information can have adverse effects on my creditworthiness and overall financial well-being. Therefore, I request that you conduct a thorough investigation into this matter and promptly remove the erroneous bankruptcy listing from my credit report. 
I trust that you will handle this dispute with the utmost attention to compliance with consumer protection laws. Your prompt action to rectify this error will help ensure the accuracy of my credit report and uphold the consumer rights outlined in the FCRA and FDCPA. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.Thank you for your prompt attention to this matter. I anticipate receiving confirmation of the removal of the inaccurate bankruptcy listing from my credit report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Requested debt validation with proof of original.signed contract with my wet signature. This company only supplied statements and that is not debt validation. Please provide requested signed original contract or remove debt from my credit report
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 2024-10-14
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)

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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also stated 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 into of information, other than records of convictions of crimes which antedated 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 2024-10-14
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. (MI)

Ive looked at my report and noticed that there are late payments on my report on account XXXX XXXX Acct number XXXX Under law usc 15 1666 B ( a ) A creditor may not treat a payment on a credit card account under an open and consumer credit plan Repost late for any purpose. 
This is violating my rights and consumers law these late payments meed to be removed asap
Consumer complaint received 2024-10-14
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)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2019-01-29
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2019 there was a credit balance on my account of {$180.00}. I tried to contact HSBC customer service several time but sometimes it goes to XXXX, other times it goes to XXXX  and they put me on hold. I have to wait several minutes to get to speak to someone and they again put me on hold.

One of the worst customer service.

I should have received my check two weeks ago. Never received my check.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 



Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX. {$1400.00} XXXX XXXX XXXX XXXX. {$350.00}
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

This lender is now considered a predatory lender after thorough research on this company. The name is credit acceptance. I have a car financed with them and made payment arrangements on the vechicle. We both agreed that there is a contractual obligation in place but they would make an exception and allow the payment to be made late. This was considered a verbal contract made on XX/XX/2019. At which time they said they would accept the payment on friday XX/XX/XXXX in the interim they repossed the vehicle on XX/XX/2019. They were contacted about this on XX/XX/2019 and the  supervisor, XXXX advised that it was a system error. 

I requested the car to be released with just one payment which i was only due for one payment and it was 17 or so days past due. They stated they would not waive any  fees. Im filing the complaint so that they may be reprimanded and also im seeking punitive and physical physical damage from the company as well through a lawsuit. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER COMPLAINT AGAINST : CREDIT ACCEPTANCE
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX ) 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 in ( XXXX days ) 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. 


( XXXX XXXX, XXXX, XXXX, XXXX XXXX ) 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 2021-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

My XXXX rewards credit card went into collections. After being contacted by the hired debt collection agency ; I did go ahead and start paying the debt once employed. I sent in a payment around XX/XX/XXXX and the payment was returned which was odd so I then reached out to the debt collectors which is " Hayt Hayt and Landau P.L ''. No response after multiple days of calling and emailing. I then reached out to XXXX XXXX ( original Debt ) to see if they had an explanation as to why the debt collectors had sent my payment back and arent returning my calls. They said it looked like the debt had been sent to another agency ; ok great ... seems like i'm getting somewhere. I and the XXXX XXXX agent call what was suppose to be another agency and come to find out they are only an answering service for the original debt collectors " hayt hayt and landau '' so I am now back at square one. I continue to call and ask the call center to have the actual company call me back to inform me on whats going on because not only can they not transfer you but they also can not take payments so they were no help at all. It is now XXXX and I havent heard back from the debt collectors by phone, mail or email. Towards the end of XXXX I continued to reach out to XXXX XXXX on their recorded lines to inform them on what was continuing to happen they pretended they were filing actions and complaints against the company for the issues that I was having and that hopefully would fix the communication issues. Nothing changed and the total continued to go up with whatever type of fees they were adding on. I am sure that it is unethical and illegal to deny payments, ignore calls and emails all while adding on fees to a chargeoff account. I have open accounts with XXXX that I pay on time and I am disgusted with them as well as the companies they hire to settle debt collections.
Consumer complaint received 2024-10-15
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. (NC)

Subject : Immediate Action Required : Dispute of Incorrectly Reinserted Collection Account To Whom It May Concern, I am writing to demand an immediate reinvestigation of the collection account identified as XXXX XXXX XXXX XXXXXXXX. This account was previously removed from my credit report, and I find it unacceptable that it has been reinserted without proper verification. 

I want to be crystal clear : I do not owe this debt. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information on my credit report. I expect you to uphold this responsibility without delay. 

I require the following information immediately : 1. Verification of the Debt : Provide documented proof that this account is mine, including details of the verification process used for its reinstatement.

2. Original Creditor Information : Confirm the original creditor and their validation of this debt.

3. Explanation of Reinstatement : A detailed account of why this entry was reinserted after being removed. 
If you can not provide verifiable evidence supporting this account, it must be removed from my credit report immediately. I will not tolerate any inaccuracies that could damage my credit standing. 

Failure to comply with this request will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider all available legal options to protect my rights.

I expect your prompt attention to this matter, with a response within the 30-day timeframe required by the FCRA. 

Thank you for your immediate action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
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. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC (TX)

Received a letter in the mail on XXXX XXXX, 2017 from FEARON FINANCIAL, LLC claiming we applied for a home loan but the property in question was sold a while back. i have not contacted them with regards to this letter & DID NOT apply for any loan.
Consumer complaint received 2024-10-15
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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-10-14
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. (TX)

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 2024-10-14
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. (CT)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC (AR)

Oliphant Financial is listed on my credit report as a debt that is owed. I just spoke with XXXX at XXXX. XXXX refused to send me a debt validation letter. XXXX stated that I had to call another company and that she did not have the information available and would not provide that information to me. 
This company is trying to state that I owe them money yet they can not prove that I owe this debt. 
This occurred at XXXXXXXX XXXX central time on XX/XX/XXXX They are listing this debt as a collections account for another company. This may or could be a duplicate account as when I did call on XX/XX/XXXX at XXXXXXXX XXXX and spoke with XXXX he stated that is was a XXXX XXXX account and was being handled by XXXX and XXXX which is who XXXX stated that I needed to call. At XXXX when I spoke with XXXX at XXXX and XXXX at XXXX XXXX on XX/XX/XXXX they sent me to call XXXX and XXXX at XXXX which has already taken me to civil court in XXXX for the debt and it was forced into mediation due to the abritation clause in the original agreement.