davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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)

*** THIS IS MY 6TH TIME ATTEMPTING TO GET THIS CORRECTED*** on XX/XX/XXXX I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
*** this is a clear violation under FCRA ** willful negligence in reporting i have provided 1099C forma to show there is NO DEBT and the credit agencies continue to allow incorrect reporting for almost 2ys and more in some cases i have attached : 1099c for 1 ) XXXX XXXX XXXX ( debt has been discharged since XXXX ) XXXX ) XXXX XXXX XXXX ( debt has been discharged since XXXX ) 2 ) Us Department of education debt has been discharged since XXXX )
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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 writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be totally explored. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I benevolently demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recover command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  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 2024-08-16
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. (NY)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2023-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (HI)

I DID NOT KNOW THAT MY ACCOUNT WAS SOLD TO ROUNDPOINT MORTGAGE. WHEN I REALIZED THAT IT WAS, IT WAS TOO LATE TO PAY ANYTHING BUT THE TOTAL PAST DUE. I ASKED TO BEGIN THE PROCESS TO MODIFY THE LOAN BACK IN XXXX OF 2023. 
SINCE THEN I HAVE RECEIVED ZERO ASSISTANCE. I HAD TO CALL TO GET UPDATES, AND WOULD BE GIVEN EXCUSES AND DIFFERENT REASONS WHY IT WASN'T COMPLETE, THEN HAD TO REDO PAPERWORK BECAUSE SOME OF THE INFORMATION WAS OUTDATED BY THEN. THIS WENT ON FOR OVER 3 MONTHS, AND THEN I WAS TOLD THAT MY REQUEST WAS DENIED AFTER ALMOST 3.5 MONTHS. 
ONCE THE DENIAL HAPPENED MY HOME WENT IN TO FORECLOSURE. 
AFTER BEING INFORMED OF THE DENIAL, I ASKED FOR THE INFORMATION INCLUDING THE TOTAL AMOUNT I NEED TO PAY SO THAT I COULD WITHDRAW THE AMOUNT FROM MY RETIREMENT, THEN I WAS GIVEN THE RUN AROUND AGAIN FOR WEEKS. I WAS TOLD TO CALL BACK IN A COUPLE DAYS MULTIPLE TIMES, AND THEN TOLD THAT THEY WERE WAITING ON THE ATTORNEYS TO GIVE THEIR FEES. HOW WAS I SUPPOSED TO KNOW HOW MUCH TO WITHDRAW IF I DONT HAVE AN AMOUNT? SO I WITHDREW THE ORIGINAL AMOUNT THAT I RECEIVED FROM YOUR COMPANY, AND OF COURSE NOW THE TOTAL IS MORE BECAUSE OF THE ATTORNEY FEES. 
THIS WENT ON FOR OVER 2 WEEKS UNTIL I FINALLY CALLED THIS MORNING AND WAS SENT THE EMAIL WITH THE TOTAL INCLUDING THE FEES. 
NOW THE EMAIL SAYS THAT THIS TOTAL NEEDS TO BE PAID BY XXXX. THAT IS 4 DAYS??!!! 
THIS IS AN ATTEMPT TO FORCE FORECLOSURE AND INHIBIT THE ABILITY OF THE HOMEOWNER TO RETAIN THEIR PROPERTY. 
THIS IS UNACCEPTABLE AND IF THIS IS THE WAY THIS COMPANY DOES BUSINESS THEN THAT NEEDS TO BE STOPPED. 
IF THIS IS A SINGLE EMPLOYEE BEING INEPT, THEN THAT NEEDS TO BE DEALT WITH. 
IT IS NEARLY IMPOSSIBLE TO TALK TO ANYONE BECAUSE OF THE TIME DIFFERENCE BETWEEN HAWAII AND THE XXXX XXXX. NOBODY ANSWERS EMAILS AND THE WEBSITE LIMITS THE WAYS YOU CAN CONTACT THEM. 
I FILED A COMPLAINT ON THEIR WEBSITE MULTIPLE TIMES AND HAVE RECEIVED ZERO FOLLOW UP. I HAVE EMAILED MY SINGLE POC MULTIPLE TIMES FOR MONTHS ASKING FOR CONTACT INFORMATION AND SOMEONE TO TALK TO AND HE HS NOT REPLIED TO ANY OF THEM.
Consumer complaint received 2024-08-16
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-08
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)

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 XXXX  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.

Delete this at once!
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (IL)

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report.
Consumer complaint received 2024-08-08
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. (CA)

XX/XX/year> I received a hard inquiry on the same date from XXXX. I have no account with them and I have not applied for anything. When I spoke to them on the phone I was told at first they couldnt find any information associated with my ssn and then informed that they couldnt provide me with any information and they couldnt help me.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My issue is with XXXX, TransUnion and XXXX consistently reporting false and misleading information on my credit files, with each showing different accounts with numerous errors. 

Simply stated, EACH of these 3 are reporting accounts showing charge offs, accounts showing as late and account balances owed, which can not be accurate. Each of these reporting agencies keeps verifying false information and continues to report things that logically can not be accurate. 

First XXXX, is reporting that a XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors. An account can not be both charged off and have a balance owed legally and they know it. This information is misleading, false and needs to be corrected both in the time line posted month by month, as well as the overall data, which shows multiple mistakes, as none of the above accounts are even currently owned by these banks. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance XXXX, Transunion is doing the exact same thing with accounts for XXXX, XXXX, XXXX and XXXX. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance. This logically can not be accurate reporting, as an account can not have a credit line, a balance and a late amount, if it was in fact charged off and is owned by some other company, as they are claiming. 

XXXX is also doing the same thing, with XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors, which can not legally or logically be accurate. 

I am unsure how these credit reporting agencies even go through the correct process, knowing this information not only can not be accurate, but is clearly false. You do not need an accounting degree to understand debt ownership claims and these companies know these credit card companies report selling off debt ever day. How are they allowed to report such misleading information?
Consumer complaint received 2024-08-16
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. (TX)

XXXX and Experian conducted an investigation and refused to remove fraudulent rental collection from XXXX  XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from XXXX  XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX.
Consumer complaint received 2024-08-08
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. (MO)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-08
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 am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are causing significant damage to my credit file and are severely hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have resulted in immense hardships for me, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a comprehensive investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to promptly update and correct my credit report. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-08
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or deleted. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims, and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NY)

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. 

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 2024-08-08
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. (NY)

I'm writing to address unauthorized accounts on my consumer report linked to identity theft. These accounts lack my written authorization or wet signature for inclusion. Following my recent communication with your organization, I formally request the immediate blocking and removal of these accounts from my report. 

These inaccurate entries misrepresent my credit history and obligations, causing significant emotional and financial strain. They've impeded crucial financial goals, including home purchase and meeting family needs. If not promptly addressed, I'm prepared to pursue legal action to protect my rights and seek resolution.