davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-27
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. (AZ)

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 months that are reported late 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.
Consumer complaint received 2023-05-24
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. (PA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} This is my follow-up to make sure the validity of the listed accounts is turned positive.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

How did Transunion verify account and where is the documentation that would prove this? It is a violation of the law FCRA ( U.S.C. 15 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) to report " inaccurate information '' on my credit report. They have not furnished any documentation whatsoever and this means that they are reporting false information and just do not care. DELETE this inaccurate account IMMEDIATELY.
Consumer complaint received 2024-06-27
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MD)

# # # Description of What Happened I received XXXX emails from National Credit Adjusters , LLC, regarding a debt originally from XXXX with an amount of {$310.00}. In this email, National Credit Adjusters , LLC, acknowledged that they can not legally sue me for this debt due to the expiration of the statute of limitations. Despite this acknowledgment, they continue to report this debt to the credit bureaus and attempt to collect it. 

I have a request for validation of this debt, including the original purchase agreement and proof of assignment. National Credit Adjusters , LLC, has failed to provide this necessary documentation. Furthermore, they have continued their collection attempts, which I consider to be unlawful and misleading. 

This ongoing reporting and collection activity have caused significant harm to my creditworthiness and financial standing. I have not authorized this debt to be reported, and the continued attempts to collect on an unenforceable debt are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the immediate removal of this inaccurate and unauthorized information from my credit report and the cessation of all collection activities by National Credit Adjusters , LLC. 

# # # Timeline : - **Date of Email from National Credit Adjusters XXXX LLC** XXXX XX/XX/XXXX & XX/XX/year> - **Amount of XXXX : {$310.00} - **Original Creditor** XXXX XXXX  # # # Actions Taken : - **Received Email Acknowledging Expired Statute of Limitations** - **Continued Reporting and Collection Attempts by National Credit Adjusters, LLC** -- -
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

after recently seeing interest I paid on 2 credit cards which is not the original rate [ Capital one there in my wallet ], I paid them off. after paying off total balance I was billed another payment and was restricted from any charges for use on both cards after being told that I had to do a verification and could not be accepted on 3 attempts. I am under the impression just the way they handle me as a customer that they dont want my business since there is no option for verification in person I froze the account online. They also told me that since it is now restricted that my choice to freeze cards can not be done since restricted. What they have told me is definitely scripted and seems to be an attempt to close my account. They also wiped out the XXXX XXXX  XXXX rewards I collected. My efforts to straighten up this mess has resulted in high then normal XXXX XXXX and the embarrassment of the cards not working after they told me it was working again. cards ending in XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX 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 in 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. 

XXXX XXXX XXXX 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 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked asked them for proof and they didnt even respond to me they ruined my life and i just got divorced and i hired a lawyer to open a case for this damage i contacted the bureaus after and sent them letters and asked them to removed it almost 3 months ago and here is my tracking numbers with usps to the 3 of them and no response XXXX XXXX
Consumer complaint received 2024-06-27
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. (LA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-11-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I bought several thousand dollars in American Express Gift Cards ( XXXX XXXX XXXX XXXX in XX/XX/2001. I received the gift cards directly from American Express unopened by mail. However, there are fraudulent charges on several of the cards ( e.g. ~ {$90.00} of charges, ~ {$97.00} of charges, and ~ {$50.00} of charges on three {$100.00} AMEX gift cards ). I also gave some gift cards away as gifts and several receipts reported that there were fraudulent charges as well. Overall, this has been a nightmare experience. I reached out the American Express to dispute the charges and get a refund. However, they claimed that refund is not possible and you must contact the merchant direction ( which is not a reasonable solution particularly for {$100.00} gift card ).
Consumer complaint received 2024-06-27
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. (AZ)

My account with XXXX XXXX. XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX. XXXX 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 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 months that are reported late 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. 


XXXX XXXX. XXXX XXXX XXXX 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 2024-06-27
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. (AZ)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-06-27
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (FL)

I am in the process of purchasing a home. My debt to income ratio is significantly high because of these student loan accounts. I reached out to EDFINANCIAL SERVICES L for them to verify the information and nothing has been done and i need to close on my home within 10 days. Please help to have them remove ALL STUDENT LOAN ACCOUNTS as this is false & inaccurate information that should not be reporting according to the FRCA.
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Debt was sent to collections on XX/XX/23 during communication with the originator while disputing the charges due to not following landlord/ tenant rcws. Columbia debt recovery sent the amount to collections after mailed certified disputing the debt and asking for proof of verification with no response back. Postal service provided proof of delivery before the time limit was over to dispute and ask for proof. The account was sent to credit reporting agencys illegally and illegitimately. I have 20 documents showing correspondence and proof of following the legal course of actions without the other parties following the law per Washington state.
Consumer complaint received 2024-06-27
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AL)

I received an alert that a collection from Fair Collections and Outsourcing ( FCO ) for a rental debt was placed on my credit report. I then contacted FCO for more information and told them that I never lived at the address they stated, and the rental was a result of identity theft. I filed an identity theft claim with the Federal Trade Commission stating that In XX/XX/XXXX, I received a phone call from a collections agency known as Fair Collections and Outsourcing saying that they were a debt collector attempting to collect a rental debt. I had no knowledge of this debt as I'd never rented an apartment from the rental company, they said they were collecting for, XXXX XXXX XXXX XXXX. They then gave me information that the account went delinquent in XX/XX/XXXX. I've never lived at a XXXX XXXX property and have no knowledge of the account. I attached proof that at the time the rental occurred I was living at not only another address, but another state that the rental occurred. FCO sent me a letter back saying that they still believe the account is my responsibility when I in fact did not ever live there. I have reached out to them three times already to resolve this problem, they have refused to comply to the FCRA rules. Before I take this case any further, I decide to submit a complaint first before I contact them for a fourth time. If they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to my credit report.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (VA)

There is a collection on my credit report from Coast-to-Coast Financial Services . I sent a Debt Validation Letter priority mail on XX/XX/2024. The letter was received on XX/XX/2024. To date, I have not received any proof that I owe this debt, that this debt is valid or any other information requested via the Debt Validation Letter. Furthermore, despite not validating the debt or responding to my request, the company updated the collection on my credit report on XX/XX/2024. This is in direct violation of the FDCPA.
Consumer complaint received 2024-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (MO)

I have contacted them many times to receive itemized statements of all accounts with them. That way I can make sure the hospital billed the insurance company properly and that they paid their part. The documentation that I finally received after months of fighting have received have been a jumbled mess and all accounts say they were switched to self pay before being sent to creditors. The collection notes have no order and have out of order dates and several different accounts numbers all mixed in.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (FL)

On XXXX XX/XX/year> Wells Fargo sent an Escrow Review Statement indicating my escrow account had a shortage of {$9900.00} and stated that my mortgage would double from {$1300.00} to {$2700.00} on XX/XX/year>. 
Starting in XXXX I made several calls to agents to determine how the escrow had increased substantially. Agents informed me that the escrow account included the property taxes for two parcels. That information was incorrect because the two parcels were separated by a Partial Release before the closing of the refinance of one property was completed. Wells Fargo and the Title company had failed to present the Partial Release for filing with XXXX XXXX. 
After Wells Fargo recognized its internal error, they sent the Partial Release documents to me to be filed with XXXX XXXX. The document was filed and returned to Wells Fargo in XXXX. The Bank failed to complete the recalculation in time for the XXXX payment. The XXXX payment with the adjustment should have been {$1900.00}, instead it remained at $ XXXX {$800.00} more than it should be. 
Calls to the Executive office on XX/XX/XXXX have not yielded the desired correction of the mortgage amount. The Executive office could not provide a specific time when the problem would be resolved. 
This has caused grave inconvenience, financial strain, and absorbed countless hours speaking with numerous escalation specialists and personnel in the Executive Department.