davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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. (GA)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXX  Reference # : XXXX Court : XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Liability : {$0.00} XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX FXXXX XXXX XXXX  ) Account # : XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-11
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)

TransUnion is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXX XXXX XXXX XXXXXXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) The Credit Reporting Agency is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXXXXXX XXXX XXXX XXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) .... My rights by the FCRA, EOCA, and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will bring claims against every company and pressure an investigative review in pursuit of remedy.
Consumer complaint received 2024-08-11
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)

This has been an ongoing issue that needs to come to an end. XXXX XXXX has single handedly ruined my credit. My FICO went from over XXXX to XXXX overnight. I have been dealing with this for XXXX years and now its XXXX that the credit reporting agencies help get these wrong accounts off my credit report. XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX The XXXX XXXX XXXX listed here is not my credit card number. I have asked for proof of card and debt for over a year. This account and XXXX other XXXX XXXX accounts continue to be sold to the next collection agency and my name and info go right along with an account number that has never been mine never activated or used by me. I feel that XXXX years trying to have this removed from my record and my credit FICO score repaired by the false reporting is long enough. I went from from XXXX FICO to a XXXX overnight when XXXX XXXX Closed my XXXX XXXX and my XXXX personal credit cards which had XXXX balance at the time of closure. XXXX XXXX has never done what they have promised to do and that is repair my credit that they ruined!. 

I now ask that the XXXX credit bureaus step in and get this rectified. 

I have attached my XXXX XXXX XXXX XXXX XXXX I have attached the XXXX XXXX XXXX payments made to those cards in XX/XX/XXXX I was wrongly reported. And this now needs to be fixed. XXXX XXXX has been unable to produce my signature for the card numbers sent to collection and and they sent me to collections on something I have never opened owned activated or used. 

I would like XXXX of the XXXX XXXX accounts removed from Collections and false reporting cleaned up with each credit bureau! 

My XXXX credit cards were paid in full they have a XXXX balance. 

This is the only XXXX  XXXX  credit I have owned, activated used and paid off in full. XXXX. XXXX  XXXX  personal account is XXXX XX/XX/XXXX exp And personal card number XXXX exp XX/XX/XXXX These are my XXXX personal capital XXXX cards and once again the card numbers I owned activated and used are below The ones that were sent to collections and reported her are not accurate they are not my account numbers I have never owned activated or used them I ask that they be removed from the three credit reporting bureaus. 

When XXXX  XXXX reported me they started a snowball effect my XXXX card limit moved down to XXXX XXXX XXXX refused my payment closing the account down. I expect my credit to be repaired this is not right this is not fair.
Consumer complaint received 2024-08-11
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. (TX)

XXXXXXXX XXXX XXXXXXXX XXXX ; As I have not heard back from you in over 60 days regarding my notice of dispute dated XX/XX/year>, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 usc 1692 ( e ) and 15 usc 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt? Please evidence your authorization to do business or operate in the state of Texas. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are Failure to respond within 15 days of receipt of this registered letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act. 

After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriff 's office in your county and I will begin the process of attaching property or funds to satisfy the judgment.

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Signature, XXXX XXXX
Consumer complaint received 2024-08-11
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. (CO)

XXXX XXXX  XX/XX/XXXX - XXXX. Paid off - still on credit report XXXX XXXX XX/XX/XXXX - XXXX - paid off still on credit report XXXX XXXX XXXX - XX/XX/XXXX - shows closed and opened. Currently open. 
XXXX XXXX  - hard inquiry XX/XX/XXXX - did not authorize XXXX  XXXX  - hard inquiry XX/XX/XXXX - did not authorize XXXX - hard inquiry - XX/XX/XXXX - did not authorize XXXX  hard inquiry - XX/XX/XXXX - did not authorize XXXX XXXX XXXX - XX/XX/XXXX - did not authorize XXXX  XXXX via dealer - XX/XX/XXXX - did not authorize XXXX XXXX  XX/XX/XXXX - hard inquiry did not authorize XXXXXXXX  XX/XX/XXXX - hard inquiry- did not authorize
Consumer complaint received 2024-08-10
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. (CO)

In accordance with the fair credit reporting act ( XXXX XXXX ) ( XXXX ) Unrightfully closed an account while i was on XXXX violating the XXXX and CMVC XXXX they have violated my rights as a consumer and service member and are impossible to get ahold of and sold to many collection agencies. XXXX5 U.S.C 1681 section 602 A states i have the privacy. 15 U.S.C 1681 A section 602 A 2 : It states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX credit reporting bureau can not be reached. I tried calling and even though I called during office hours a recording keeps stating to call during their office hours. Also I can not file a dispute against false reporting. They are claiming I was 90 days late on my old fully paid off XXXX XXXX account. Account number is XXXX. 
This account was not included in any bankruptcy and was never 90 days late. The account was paid off in full.
Consumer complaint received 2024-08-11
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME ANYTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-08-11
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)

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 XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

I have been in my home for 20 years. It is in good condition. I have paid the principal balance down to {$32000.00} from {$100000.00}, so I am sure that I have equity in this property that they are trying to take from me. They initially offered me an opportunity to modify the loan over the phone, but never collected documents from me to complete the review. 



My interest rate is 8.95 % which is significantly over the current market rate. A modification would make my payments affordable by lowering my interest rate, and possibly reforecasting my term. 



They have escalated my situation and referred my property to foreclosure without giving me any consideration for loss mitigation retention options, or any of the reliefs that the CARES Act 2020 offers. I do not believe that they are servicing within the DOJ or CFPB servicing guidelines for home owners.
Consumer complaint received 2024-10-11
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)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against for XXXX XXXX inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (DC)

Inquires for loans that i did not authorize, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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)

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 : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Trustee XXXX XXXX XXXX XXXX XXXX, New York XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX XXXX MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSE As the Pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 

Since XXXX, our property has being victim of three ( 3 )  WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX XXXX   XXXX XXXX on behalf of XXXX XXXX  AS TRUSTEE for the XXXX   XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of SPS and its reputation. 

This account previously serviced by XXXX XXXX XXXX XXXX ( XXXX ) was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release. 

The XXXX Family request SPS/XXXX to dismiss the Wrongful Foreclosure case # XXXX and release property XXXX XXXX XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX