davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-05
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: Waypoint Resource Group, LLC (CO)

I sent a letter to XXXX to validate a debt that they have placed on my credit report. I have never spoken to thus company, nor I have I received any collection notice in writing, by email or phone. which violates FDCPA. 
It has been over 30 days and they have not responded to the validation letter that I sent to them,
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX : XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX Proof : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
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. (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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

I do not owe a debt with this company. They have the wrong name my wrong Social Security number on this account. This is a fraud account so I need them to remove this because I havent got a loan for them. I havent got a contract with them. I have not got a product with them.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (AL)

I was sent a mail in my box that I was pre-selected to apply for the Citi Double Cash card. Ordinarily, I wouldn't have applied because I knew the impact it could have on my credit score, but because I saw the letter read that I was pre-selected, I applied. Upon applying, I was surprised that I was denied, and I wondered why they would deny me if they were the ones to invite me to apply in the first place. I felt led on by the unsolicited letter I got from them.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

15USC1681I7 states that, if what you saying is true, and that this account is verified. I need for you to provide me written proof of the investigation that took place in order for you all to verify this account, and if that verification process is not provided in 15 business days, by law this account must be removed.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

My payment due dates for the credit card is on XXXX of the each month. 
For XXXX XXXX XXXX was sent on time and the credit card company received it a day after on the XXXX of XXXX, but I was charged {$41.00} late fee. I told the company due to the labor day on XX/XX/XXXX, they received the payment probably XXXX day late. 
The credit card company did not accept that and wouldn't waive the late fee. My entire balance was {$8.00} dollars and they charged me {$41.00} late fee plus interest rate. 

For XX/XX/year> - The payment was scheduled with XXXX online bill pay right on time, apparently XXXX stopped and cancel all my payments on my account due to the fraud activity on my account and closed my checking account immediately. The credit card company did not send me a notice or email to inform me. I had no control over that. {$41.00} dollars late fee was charged on my account for the balance of {$8.00} again. 

For XX/XX/XXXX - XXXX sent the payment even earlier on XX/XX/year> and again I was charged late fees for {$41.00} dollars. 
Elan Financial Services is my credit card company.
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (GA)

XXXX, XXXX  Credit Bureau Associates XXXX XXXX XXXX XXXX GA XXXX Subject : Demand for Verification and Immediate Removal of Inaccurate Information Dear Credit Bureau Associates, I am writing to formally demand that you verify and substantiate the accuracy of the information reported on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This information, which has been reported inaccurately by Credit Bureau Associates, is causing undue harm to my credit profile, and I am requesting an immediate investigation into the following : Verification of Debt and Creditor Information I demand that you provide documentation and verification of the alleged debt, including the full name, contact information, and proof of ownership by the creditor. I am requesting evidence of the original agreement and a detailed account history to verify that the information reported is both accurate and verifiable. 

Immediate Removal of Inaccurate Information As per the FCRA, you are required to ensure the highest standards of accuracy and completeness in credit reporting. Failure to verify or provide proof within 30 days constitutes a violation under 15 U.S.C. 1681i, which mandates deletion of inaccurate or unverifiable information. Due to the lack of verifiable documentation on this item, I demand its immediate removal from my credit report. 

Cease and Desist Communication Additionally, I am formally requesting that Credit Bureau Associates cease all forms of communication with me regarding this account, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Any further attempts to communicate regarding this debt will be viewed as a violation of federal law, and I reserve the right to pursue legal action if this request is not respected. 

Please confirm in writing the results of your investigation and any actions taken, including the name and contact information of a responsible agent at your organization who will oversee this matter. Failure to respond in good faith will result in my taking further legal action to protect my rights under the FCRA and FDCPA. 

This letter serves as an official and final notice. I look forward to a prompt response and resolution. You may contact me at the address listed above, or by email if further clarification is needed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-15
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 PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 disputed these items previously and the results were on the disputed items were " verified as accurate ''. I would like to know how AND why the previously disputed items were " verified as accurate ''. I contacted the original creditor and even they could not " verify '' these items so how could you? Furthermore I disputed the negative items with other consumer reporting agencies, and even they could not " verify '' these items so again, how could you? I demand to know what methods where used to determined that these accounts where " verified as accurate ''. and also who did you contact. I am also requesting a reinvestigation into these accounts and if you can not validate to me this information or verify these it accounts these must be deleted immediately from my consumer report.
Consumer complaint received 2024-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Better Mortgage, Inc. (FL)

The company lied about the terms of the HELOC. I have screenshots of them telling that as long as I returned the payment on the HELOC immediately I wouldnt pay any interest on it. Despite confirming this, I double checked during the closing process to make sure the terms were as they were had agreed. No one replied to my email asking to confirm the terms until the evening before the closing ( suspiciously close to closing date ). I then had to cancel the HELOC because I was leaving the country for a few weeks. Better.coms deceptive ways cost me thousands of dollars. I went through an entire application process, wasted time, resources, credit reports were pulled, just for them to change the rules of the agreement the night before closing. Then they have the effrontery to offer me a gift card. This Company needs to pay for what the have done and other consumers should be aware of the tactics that this company uses to get consumers to use their product.
Consumer complaint received 2024-10-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Information in Credit Report SSN : XXXX XXXX : XXXX Dear TransUnion Dispute Department , I am writing to formally dispute the inaccurate information being reported on my credit report. The account in question is with XXXX XXXX ( Account Number : XXXX ), and it contains incorrect details that have been updated inaccurately despite my previous disputes. 

Under FCRA Section 616, if TransUnion willfully continues to report this inaccurate information, I am entitled to seek legal action, which may include : Actual damages resulting from the financial harm caused by these inaccuracies.

Statutory damages ranging from {$100.00} to {$1000.00} per violation.

Punitive damages, if the violation is found to be particularly egregious.

Recovery of attorney fees and legal costs.

In the case of negligent violations, as outlined in FCRA Section 617, I can still sue for actual damages and recover attorney fees and court costs, though punitive damages would not apply.

Furthermore, I am aware that the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) have the authority to investigate systemic inaccuracies in credit reporting. If this issue is not resolved, I am prepared to file formal complaints with these agencies.

I request that TransUnion conduct a thorough investigation of this disputed account and either verify or delete the inaccurate information. Please provide a detailed explanation of the steps taken in your investigation and the documentation you used to verify the account. If verification can not be provided, I expect the account to be promptly removed from my credit report.

Thank you for your immediate attention to this matter. I look forward to your confirmation of the actions taken.

also, where are identification purposes? I included my ID and my social as well as copies of this fraudulent account being removed from my other credit reports the only one thats holding onto it is Trans Union XXXX and XXXX have both agreed that this account is erroneous and removed from my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MO)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 2024-08-30
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. 
Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was in the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  from XXXX of XXXX XXXX XXXX XXXX XXXX  i had not access to the internet and no one had access to my accounts. we let XXXX XXXX know of the dire situation and they agreed to give me grace and pay balance in full upon discharge which i did. they agreed to not mark it as late and further agreed after to remove it from my transunion report and they did not. XXXX has removed the late payment and has 100 percent payment history and i need transunion to do the same. XXXX XXXX keeps saying they will and havent. please correct this asap as im trying to get approved for a home.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One advertised through various spokespersons that they changed their policy and would no longer report business XXXX XXXXXXXX XXXX to customers ' personal credit reports. I obtained this card only because of this promise. When I saw that the card did show up on my personal credit report, I closed the card and asked Capital One to remove it because it shouldn't have been there in the first place. Capital One refused to do that. I am attaching my letter to them and their response. Please notice that Capital One completely ignored the issue that I wrote about, and I hope that you will not let them continue to do that. I would like Capital One to explain, in great detail, the discrepancy between what their spokesperson said and what they actually did, with particular attention paid to every point in my letter. 

I have shared all of this information about Capital One 's deception with XXXX multiple times, but XXXX does not care about this deception. They say that if Capital One does not want to remove the card, XXXX will not either.