davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (TX)

Dear CFPB, Under the Fair Credit Reporting Act, it is imperative that my credit report is 100 % accurate. I am filing a complaint against TransUnion for failing to maintain accuracy. 

Despite their claims of proper investigation, TransUnion continues to report inaccuracies in my credit report, including the open date, date last active, and date last reported. This warrants removal, and they have violated my rights under : 15 U.S.C. 1681 Section 602 A : This section states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This section states a consumer reporting agency can not furnish an account without my written instructions or consent. 
15 U.S.C. 1692c : This section states a debt collector may not communicate with a consumer about any debt without the consumer 's direct consent or a court 's permission.

15 USC 1681 ( e ) b : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 
For XXXX XXXX XXXX ** TransUnion reports a date opened of XX/XX/XXXX and a high credit of {$400.00}. In contrast, XXXX shows different dates and amounts. 

For XXXX XXXXXXXX, ** TransUnion reports a date opened as XX/XX/XXXX, a term of 15 months, and a last reported date of XX/XX/XXXX, which do not match other bureaus ' records. 

Despite multiple disputes, TransUnion continues to report incorrect information. I have attached a copy of my credit reports for your examination. If these inaccuracies are not corrected within 15 days, I will proceed with legal action.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : $ {$250000.00}
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MS)

All prior credit card statements were sent to me. I asked for these documents to show proof that I was illegally charged on my account by XXXX XXXX XXXX  for a service that I never agreed to. They have no signature physical or electronic for that service and I have asked them to supply me a copy of the signature that says I signed up for it and they can't because I never did. I paid this credit card off in full. A month later XXXX XXXX XXXX called me trying to sell me a service called XXXX  XXXX. I declined these services. XXXX XXXX XXXX  then charged my account anyways for a {$0.00} charge labeled XXXX XXXX per the credit card statement. Because of this {$0.00} charge it triggered a minimum interest charge of {$2.00} causing my account to have a balance of {$2.00} after I paid it all off which racked up late fees over time. I tried to tell XXXX XXXX, XXXX XXXX, and now Midland Credit Management that this is because of illegal charges on my account. You can not charge someone for credit card insurance that they never agreed to. Noone will listen to me or help me even though they provided me the statement with the proof that clearly says this charge was not for any previous interest, previous purchase, or interest from current billing cycles..Meaning this is not leftover interest from the previous billing cycle which is what they tried to tell me until I showed them the proof. The account was paid off on XX/XX/year>. The illegal charge for the {$0.00} XXXX XXXX insurance was put on my account on XX/XX/year>. Again, I have asked for Midland and XXXX to supply me with an electronic or physical signature that says I signed up for this to cause this charge and they can't. I paid it off with no intention of ever using it again so there is no reason I would need account insurance. They have to supply proof of this and they can't because I never agreed. XXXX XXXX, XXXX, and Midland should all be held legally liable for the damage they have done and for seeing the proof of what I'm saying is true and pretending they don't. A woman at Midland even agreed with me that this was illegal then I never heard from her again. They keep trying to come after me for payment anyways. This is all highly illegal.
Consumer complaint received 2024-10-28
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. (VA)

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Resurgent Receivables Collection amount of {$940.00} XXXX XXXX XXXX Collection Collection amount of {$1000.00} First Premier Credit Card Balance of {$550.00} DEPT OF ED/XXXX - {$1800.00} DEPT OF EDXXXX  XXXX XXXX In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts.

As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX ] or [ XXXX ] if you require any additional information or documentation.
Consumer complaint received 2024-10-28
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. (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.

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 2024-10-28
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. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-28
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. (NJ)

This vehicle was totaled and removed from my insurance policy on XX/XX/year>. XXXX has since notified XXXX who has been in possession of the leased vehicle. There would be no payment due after XX/XX/year> yet XXXX has not returned my full security deposit, corrected the credit report as it should have been current and no payments due after XX/XX/year> XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Once again, I will keep sending complaints, I have no knowledge of this account according from my credit bureau history I have a fraud alert placed on my account for the pass 7 years and still has been on it expires in 2025. I am not paying for anything that I did not authorize nor used by this account. And after a certain amount of years these things should be taken off my history. This debt does not belong and I will not pay for anything that is considered fraudulent or not mines.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion credit reporting has denied my request for my free credit report for many reasons, none of which make any sense. They first attempt they told me my NJ state XXXX  ID and verification was invalid, " XXXX and XXXX accepted the prison documents ''. The second attempt the XXXX ID and address documents were not proof of who I am. " XXXX picture IDs ''. This final attempt after being on the phone for over XXXX minutes '' multiple calls because their phones were cutting out '' I was told that they don't accept my New Jersey State Drivers License or the letter from the Homeless XXXX  Transition residence '' NJ State Agency '' or the Resident ID with BOTH picture and address of my residence. In addition I provided a XXXX XXXX ID and Social Security card. 
I talked to " XXXX '' at the call center and answered two out of three question correctly but I couldn't remember a phone number from 6 or more years ago. Help me PLEASE
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Acct # Ending in XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # ending in XXXX, which you Claim was charged off. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per the FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your report. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (NJ)

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

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 urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-26
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX XXXX  XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX DEBT VALIDATION REQUEST To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by ( XXXX ) XXXX and identified the debt as XXXX, the amount of {$7300.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document providing ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional inter fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt.
Consumer complaint received 2024-07-23
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. (AR)

XXXX XXXX {$44000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, Transunion, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law.

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction.

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report