davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (FL)

I am writing to formally dispute the continued reporting of the above-referenced collection account on my credit report. This account has been removed from my credit files with XXXX and XXXX, and I am requesting its immediate deletion from my TransUnion report as well. The fact that this account has been deleted by the other two major credit reporting agencies indicates that there are inaccuracies in the reporting of this account. 
In accordance with the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to ensure the accuracy and completeness of all information reported. FCRA 15 U.S.C. 1681e ( b ) clearly states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Given that this account has already been removed from both XXXX and XXXX, TransUnion must take similar action to ensure accurate reporting across all agencies. 
Furthermore, per Metro 2 compliance standards, information reported by furnishers such as XXXX XXXX XXXX must be uniform, accurate, and timely across all credit reporting agencies. The discrepancies between TransUnion, XXXX, and XXXX reporting violate these standards. If XXXX XXXX XXXX has deleted or corrected this account with XXXX and XXXX, they are required to ensure that TransUnion is reporting the same accurate information. 
According to my TransUnion report, this collection account shows a balance of {$4200.00}, which is inconsistent with the other bureaus and does not reflect the fact that this account has been previously settled or removed. I believe this account should not be included on my TransUnion credit file, and I am formally requesting that it be deleted immediately to bring it into alignment with the accurate reporting done by XXXX and XXXX.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Privacy — 
Company: Paypal Holdings, Inc (NE)

I was scammed in XX/XX/XXXX by my credit card company and pay palcredit. I purchaced an item on line using my credit card only and was billedthru pay pal credit, opening an account without my permission. I believe mycredit card issuer gave personal info to pay pal credit without my authorizationin violation of their privacy statement. I believe they did this for a fee. I madecontact with pay pal credit, my card issuer, and paypal themselves to reversethis charge and close my pay pal credit account. all refused and I was billedfor fees, my credit card was cancelled, I lost points from my card and I believemy credit has suffered. I have documented the times, dates, and who I talkedto at each step. I noticed in the press release yesterday there was scant inforegarding credit card companies taking a kickback for releasing protected infoof consumers. this is what I believe happened in my case. any info you cansend me would help. I was not able to get our states consumer fraud divisionmotivated in XX/XX/XXXX to even look into the problem. even with yourpublicity yesterday they will not open even an inquiry in spite of knowing thedeceptive practices of pay pal credit and my credit card company. I wouldlike my credit card companies to honor their own privacy statements or letthe consumer know they will be releasing ss # and other personal info fromthe credit card application to others who will open accounts in their name w/othe consumers knowledge.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Green Tree Servicing LLCXXXX XXXX XXXX SD XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct. No. XXXXMy loan was transferred ( sold? ) to Green Tree on XXXX XXXX, and since that time I have had nothing but problems with Green Tree ... the main problem is that XXXX did not apply, or did not notify Gree Tree, of my XXXX XXXX payment ... XXXX XXXX XXXX has been involved and helping me with trying to work this out, but Green Tree seems to be totally unwilling ... 

I have sent XXXX my payment records to XXXX for the past year, which shows I DID NOT MISS ONE MONTH OF PAYMENTS and also SENT ADDITIONAL FUNDS SEVERAL TIMES DURING THE YEAR ... .I am attaching this once again. 

I am upset that my loan was sold and I now have to work with this company who is totally unwilling to do anything but demand XXXX PAYMENTS. I have told all of your reps my husband passed away 3 years ago, my income was cut in half, and I have only missed XXXX payment in those three years, and that was the month after he died, when his employer wiped out my checking account. 

I am willing to hire an attorney to help protect my home ... but do not see the need to. This is truly so frustrating. Please please have someone contact me. 

Sincerely, XXXX XXXX XXXX XXXXthis is a summary of my complaint with XXXX Tree..this is the most unbelievably frustrating situation, and they are not willing to help me, only threatening my credit and home..
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXXDOFED - 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 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information.

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (WV)

I just want to make the Bureau and others aware of the shady practices of the Old Navy Credit Card. I got the store card to use when it would save me money which was only on certain days on certain items, so I used the card rather infrequently. Because of the infrequency ( Maybe 3 times a year ) I requested that I receive paper bills, so I would remember to pay it. An alert popped up on my credit tracker yesterday and upon investigation I had a bill from 9 months ago with Old Navy that had been stacking interest and late fees. When I called I was informed that because my card was used so infrequently my statements were changed to electronic only without notifying me. They said they were being sent to me via email. Which is of no use because it goes to a spam account that I rarely check, thus why I never requested electronic statements. 

I feel that it is an unfair practice to change from paper to paperless without notifying the customer. When I expect my communications to come via mail, as requested, I do n't look anywhere else for them. Also in the 9 months, I never received a phone call, or a letter in the mail. I would assume after so long they would make attempts to reach me by other means. I believe email should not count as a method of reaching me as we all know many people do n't check those types of accounts or it gets caught in spam filters. 

My initial bill was {$19.00}, my current bill was {$120.00}. Upon calling they reduced it to {$60.00} which I was fine with paying. I understand there was also some negligence on my part for not remembering to check shortly after I had made a purchase, but I had established a system where I should not have to do so. It was mostly due to the deceptive practices of the bank. As of now I have resolved the issue, if the delinquency appears on my credit report, then I will be pressing the issue further. I want to make others aware so they can be on the lookout and be aware of these types of practices, and I would like for the government to step in and evaluate the ethics of these types of measures.
Consumer complaint received 2024-09-08
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. (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ TRANSUNION ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA. 

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: A.R.M. Solutions, Inc. (TX)

A.R.M. representative called my boss at home and yelled at her, threatened to " ruin '' her personal credit for an office debt that we do not consider to be a valid debt.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-08
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. (FL)

To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. 
Sincerely, XXXX XXXX Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CarMax, Inc. (TX)

I went online to XXXX and applied for an auto loan. I received acouple of offers and chose the one that I liked. I chose a company calledXXXX, 72 month term and a 5.99 % interest rate. I have used this companybefore and never had an issue. I previously used a check from this companyto buy a vehicle at CarMax in XXXX, Tx. So I decided I would do the samethis time around. Except when I found a vehicle that I liked at CarMax, they told me they would not accept the check. I called XXXX and theyconfirmed that they have an open business relationship with CarMax andnot sure why they would not accept the check. I then called CarMax foranswers. I spoke to a XXXX XXXX which works in Business Relations andshe told me that she received an email advising that they no longer dobusiness with XXXX as of 2 weeks ago. I honestly think that this is alending tactic to get me to use their in house financing which is at a muchhigher rate of 11.99 % and 12.99 % depending on how long the term is. Canyou please research this and let me know if they are targeting consumers likeme to use their much higher rate in house financing? Thanks.
Consumer complaint received 2015-07-13
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Genesis Lending (CA)

When i had started XXXX for my XXXX degree XXXX in 2013, XXXX had told me i owed them money and in order to start classes i had to pay XXXX so i was told i can apply for a loan through Genesis Lending i was told i would not have to pay any loans from Genesis until i XXXX a couple of months later i started to get calls from Genesis on regarding paying my loans and told me i was given false information on paying the loans off. After the first loan XXXX had told me i owed them more money and the first loan was accidentally taken for only {$1700.00} and i owed XXXX over {$2500.00}. XXXX had taken out another loan through Genesis so i can continue my classes and i was told if i do n't pull a XXXX loan i will dropped from my classes. i was given false information about paying the loans and i was given false information on how much the loan amount was.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls undeXXXX XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to report multiple fraudulent activities and unauthorized accounts impacting my credit profile. The following issues require investigation and immediate resolution : 1. XXXX XXXX XXXX XXXX : I did not authorize the opening of this account or any of the charges associated with it. I have no knowledge of this account and request that it be removed from my credit report as a fraudulent account. 

2. XXXXXXXX XXXX XXXX XXXX ( Issued by XXXX ) ** : I did not authorize the opening of this credit card account or the transactions made under this account. I am disputing this account and any associated charges, requesting its removal from my credit report as fraudulent. 

XXXX. **XXXX XXXX XXXX XXXX : A charge-off for this mobile phone bill appears on my credit report. I did not authorize or initiate this account and dispute the legitimacy of this charge. I request its removal as a fraudulent entry. 

These accounts are clear violations of my consumer rights under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681, which entitles me to accurate and fair credit reporting. Under this law, I request that the credit reporting agencies conduct a thorough investigation and delete the aforementioned fraudulent accounts from my credit profile. Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I demand that no further collections or attempts to recover these alleged debts take place, as they are invalid.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive recently received a c copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-27
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. (TN)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.