davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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. (AL)

Did not do an investigation at all. My social security number was breached all the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, and etc? A account can only be charged off XXXX time. This is clearly a violation.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (PA)

I was late with my auto loan. I brought the account current. I maintained possession of the vehicle and continued to make regular monthly payments in the amount of {$750.00}. monthly. The account was listed as a charge-off. The company, Santander Consumer USA told me the status wouldn't change once it was listed as a charge-off even though it was still an open account. I have attempted to trade the vehicle in and get financing with a new company and they are viewing the account as a reposession, despite the fact that I have always maintained possession of the vehicle and am now current on my loan.
Consumer complaint received 2024-07-19
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. (NV)

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 debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ) ( XXXX ).
Consumer complaint received 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-19
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. (SC)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-19
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. (NC)

I was forced into marrying my abuser to survive. He is incarcerated for his crimes and I have received help from an agency to try to reclaim my life. I have put a fraud alert on my credit years ago to try to protect myself from more but it hasnt worked. The only official address I have had is XXXX XXXX XXXX, XXXX, NC XXXX and other addresses with my parents over the years. I briefly live at XXXX XXXX XXXX, XXXX, GA XXXX for a seasonal contract job only and I am sending a voided pay stub to prove that, as well. 


As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, proof of address, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ). 

These are the accounts that were made on my social during that time : XXXX - {$760.00} XXXX XXXX - {$350.00} XXXX XXXX - {$11000.00} XXXX XXXX - {$250.00} XXXX XXXX {$340.00} XXXX XXXX XXXX - {$340.00} XXXX XXXX XXXX  - {$310.00} XXXX XXXX XXXXXXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} Inquiries from XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$670.00}, XXXX - {$520.00}
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (NH)

I pay all of my credit cards electronically. They will not accept an electronic payment. Initially this bank " lost '' two different checks for payments. When my first check was late. I verbally requested that my reward points be transferred to my balance and received a payoff number which was then sent via a second check. When this second check was " lost '' In XXXX I opened a dispute with this bank over lost rewards which turned out to be forfeited. The second check was later returned to me with a letter stating that they could not match my name, address and last four numbers of account to me. Since then they have answered better business complaint that they will answer me within 30 days which is up today. Original dispute was to be answered in 90 days with no reporting to credit bureaus. Then they reported me as 90 days delinquent which removed my exceptional credit rating. I filed a dispute with XXXX and it was closed by reporting me as 30 days delinquent instead of 90. A few days later changed to 60 days,. I have a running history of conversations from their online messaging system which I copied and attached here along with the current notes from phone conversations with supervisors at the bank. The delinquency was removed on XXXX and shown zero balance and closed. On XX/XX/10 a {$97.00} balance was placed back on my account at the credit bureaus. I was told by a supervisor today that I would be reported as delinquent again if it wasn't paid on time. Please see attached document which started after no success speaking with them over phone. Please See attached document.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

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 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXXListed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: College Ave Student Loan Servicing, LLC (FL)

I have multiple hard inquiries that was not authorized on my credit report that needs to be removed that was previously disputed with XXXX already. I also have a charge off from XXXX XXXX on my credit report that has been reported nuremous times to XXXX that goes against 15 USC 1681 ( e ) B.

IRS states once the account has moved over into charge off status, the lender has accepted the fact that theyre not going to be able collect the debt causing the lender to file on their taxes as discharge debt causing the debt on the consumers end to be cancelled or forgiven. The lender failed to provide me a 1099C form making it become income has to be filed. Due to it becoming income and it is to be reported especially something as derogatory, it has to come off my report because that is illegal.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

I wrote a check to the IRS for {$6000.00} on XX/XX/XXXX for an estimated tax payment for the XXXX tax year. Because it was an estimated payment, and the check was cashed for that same amount, I did not realize it had been cashed by someone other than the IRS until nearly a year later. Someone had erased " Internal Revenue Service '' in the " XXXX to the XXXX of '' line, and replaced it with their name. However, the memo line was not erased or replaced and STILL READ : " XXXX Form XXXX '' and the last XXXX digits of my social security number, thus making it clear to both the paying bank ( Wells Fargo XXXX and the depository bank XXXX XXXX XXXX XXXXXXXX XXXX that the check had been altered. Because it was more than 30 days since the writing of the check when I contacted Wells Fargo ( the paying bank with whom I have an account ) in XXXX of XXXX ( immediately after the IRS told me I was {$6000.00} short in my estimated tax payment ), Wells Fargo bank refused to either pay me the money or go after XXXX XXXXXXXX XXXX ( the depository bank ) for breach of warrantee. ( The depository bank, under XXXX XXXX and XXXX warrants that the " check is not altered and endorsements are not forged or unauthorized '' ). The paying bank has 3 years to make a breach of warranty claim. I also went to my local law enforcement agency last year in XXXX as well, and they have yet to resolve the matter.
Consumer complaint received 2024-07-19
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)

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 debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ).
Consumer complaint received 2024-07-19
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)

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 debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ).
Consumer complaint received 2024-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

THEY ARE ATTEMPTING TO FORECLOSE ON MY HOME WITH FRAUDULENT ASSIGNMENTS. THE ASSIGNMENTS WERE CREATED AFTER THE CUTOFF DATE OF THE POOLING AND SERVICE AGREEMENT FILED WITH UNITED STATES SECURITIES EXCHANGE., THE ASSIGNMENTS ARE ROBO STAMPED AND THE NOTARY AND WITNESSES ARE WELL KNOW ROBO SIGNER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2006 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2006 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2006 XXXX THESE TRUST HAVE BEEN SUED ALLOVER THE UNITED STATES FOR FORECLOSURE FRAUD. THIS TRUST WAS ALSO APART OF THE GLOBAL WIDE SETTLEMENT WITH THE UNTIED STATES DEPARTMENT OF JUSTICES & THE AGS. THE ARE ALSO GUILTY OF DUAL TRACKING. THE MORTGAGE COMPANY WAS COLLECTING DOCUMENTS FOR A LOAN MODIFICATION AND WHILE COLLECTING MY HOME WAS SENT TO THEIR LAWYER FOR FORECLOSURE, I HAVE SENT 2 QWRS AND NEITHER HAS BEEN RESPONDED TO, I ALSO SENT A NOTICE OF DEFAULT AND A NOTICE OR ERROR, NEITHER HAS BEEN ADDRESSED.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated (FL)

I should not be held responsible for a debt linked to an auto loan account, originally opened with a creditor that subsequently sold the account, resulting in charges for which I neither provided consent nor had any knowledge. 

-The Principle of Consent and Authorization Fundamental to any debt obligation is the principle of consent. For a debt to be legitimately attributed to an individual, there must be clear evidence of their agreement to the loan 's terms and conditions. This typically involves a signed agreement that outlines responsibilities and repayment terms. In this case, there is no signed document evidencing my consent to this debt, fundamentally challenging the legitimacy of the claim. 

-Timeline and Discrepancies The timeline of the debt further complicates its legitimacy. The account was opened on XX/XX/XXXX, and subsequently closed, with the status marked as charged off and an amount of {$8200.00} past due as of XX/XX/XXXX. Despite the account being closed, it reflects a balance of {$8200.00}, updated in XX/XX/XXXX, and the last payment recorded on XX/XX/XXXX. These discrepancies highlight inconsistencies in the account 's management and reporting, raising questions about its accuracy. 

-Lack of Knowledge and Involvement Furthermore, I had no knowledge or involvement with this account. The assertion that I am responsible for a debt I was unaware of until it was charged off is not only unfair but also legally questionable. The Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors provide verification of the debt, which includes evidence of the original agreement signed by the debtor. In the absence of such proof, it is clear that this debt should not be attributed to me. 

-Impact of Unfair Debt Attribution Being wrongly held accountable for this debt has significant repercussions. It affects my creditworthiness, limits my access to future credit opportunities, and imposes undue financial stress. The status of the debt as " charged off '' and the recorded past due amount adversely impact my credit report, despite my lack of involvement with the original creditor or the account 's transactions. 

The principles of consent and authorization, coupled with the inconsistencies and lack of knowledge regarding the debt, underscore why I should not be held responsible for it. The absence of a signed agreement, combined with the discrepancies in the account 's timeline and reporting, clearly indicate that this debt is not legitimately mine. Holding me accountable for it violates both the FDCPA and fundamental principles of fairness and justice. Therefore, the debt should be removed from my credit report, and I should be absolved of any responsibility for it.
Consumer complaint received 2024-07-19
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. (NV)

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  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ).
Consumer complaint received 2024-07-22
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: FactorTrust, Inc. (CA)

I am a victim of debt XXXX, a form of XXXX XXXX  where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of XXXX XXXX. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from XXXX  experiences when an official claim is submitted.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
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)

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 debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ).