davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my Transunion account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

3.Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

These items are either reported incorrectly or have been resolved, and I request a thorough investigation and correction. Ive already reached out to the credit reporting agency and data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report to ensure it reflects accurate information.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

XXXX, XXXX, and Experian all have my name and address wrong on 3 Credit Bureau accounts. I want this corrected. 
Also, they all have Creditors with Open accounts, which needs to be corrected. Some accounts have been charged off and sold to 3rd Party Collections that never verified my name and address and did not have the correct information. 
I have an old Repossession on all 3 of the accounts. This account was settled in 2009 but negatively affects my credit bureaus. 
I have also been denied employment because of the wrong information on my credit and the credit scores that were obtained. I can not afford any lawyer to disrupt these collections, which are all wrong on all three. So many charges date back 15 years, and this is all wrong. 
Please help me try to look into these issues.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/XXXX I wrote to Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX ) " requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and the Fair Credit Reporting Act, along with XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation validating the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX , validation requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. '' I received a reply from MCM on XX/XX/XXXX stating " We are uncertain of what you are exactly disputing '' and a request for a " written explanation and documentation demonstrating any errors ''. They further state that the information is accurate because XXXX XXXX says so, basically. 

In summary, they totally disregarded my itemized list of requests, violated the above mentioned Federal, State and City laws and are in contempt of the Court Order of XX/XX/XXXX that they are " restrained and enjoined from engaging in any legal collection without providing the Consumer with certain information about the Debt ... [ namely ] a document signed by the Consumer evidencing the opening of the account forming the basis of the Debt ... " within 30 days '' of a request ''. 

On XX/XX/XXXX, I proceeded to reply to MCM reminding them of the laws that they were in violation of by not supplying me with documents signed by me validating the debt and a description of their verification procedure used to determine the completeness and accuracy of their reporting.

I received a reply from MCM on XX/XX/XXXX, stating " We have received ... from you credit reporting inaccuracies exist for the account '' and a request for " written explanation and documentation demonstrating any errors ''. They also double down that the information provided by XXXX XXXX is sufficient for them to " conclude that our information is accurate ... [ and ] has been accurately submitted to credit reporting agencies ''.

This appears to be gross negligence and disregard for the law, for affected consumers like myself nationwide and for the judicial process and The US District Court Southern District of CA. If they are unwilling to cooperate, hopefully the CFPB, US Attorney General and the XXXX Dept of Consumer and Worker Protection can induce a correction of their behavior.
Consumer complaint received 2024-10-07
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (NJ)

I have new information and a new police report foXXXX XXXX XXXX with the account listed and the false amount owed. Also Experian is still reporting XXXX XXXX XXXX which is removed and also they are reporting a account for XXXX XXXX which is a collection account for XXXX XXXX which was removed in the past for id theft and also Experian is still reporting XXXX XXXX XXXX which was removed already by XXXX but Experian is still reporting and XXXX XXXX as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late XXXX XXXX account was not updated to paid in full as the account was credited so it should not show as late
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my XXXX XXXX. Account : XXXX XXXX XXXX XXXX XXXX- number XXXX payment late years XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-13
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. (VA)

I am writing to follow up on my previous dispute regarding inaccuracies on my credit report, which I initially reported on XX/XX/2024. Despite my repeated attempts to resolve this matter, including subsequent correspondence on XXXX, you have failed to provide accurate verification or a method of verification for the disputed items. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputes and verify the accuracy of the information. This includes YOUR duty to contact the furnishers of the information for verification, as outlined in 15 U.S.C. 1681i ( a ) ( 2 ). However, your responses have not provided the required verification or documentation to substantiate the accuracy of the disputed items. 

Given your failure to comply with these obligations, and as stipulated under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are obligated to delete any information that can not be verified. Additionally, 15 U.S.C. 1681i ( a ) ( 6 ) mandates that you delete information that remains unverified. 

The disputed items are as follows : Account names : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX BANK : Account number : XXXX XXXXXXXX XXXX  : Account number : XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX  : Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX As this matter has not been resolved despite multiple attempts, I am now requesting the immediate removal of these items from my credit report. Please provide me with an updated copy of my credit report reflecting these changes. 

If this issue is not resolved within [ a specified time frame, e.g., 15 days ], I will escalate this matter by filing a additional complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal actions to ensure compliance with the FCRA. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-10-07
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. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2020, I opened my checking and savings accounts and fulfilled all the requirements to receive their {$600.00} bonus ( {$300.00} for checking w/two {$500.00} direct deposits, {$200.00} for {$15000.00} deposited in savings until XX/XX/2020, and {$100.00} for both ) by XX/XX/2020. Generally, most banks will post the bonus as soon as possible but it is now XX/XX/2020. When I called to talk to a representative to ensure I had met the requirements and inquire on the date I'd receive my money, they said that it would be delayed until XX/XX/2020. They are breaking the contract we had both agreed to without any viable or legal reason. After being on hold for 25 minutes, I was finally able to speak to a representative that said the money should post on XX/XX/2020. Considering their track record and abrupt breaking of our agreement, I am filing this complaint to ensure they abide by the contract both parties agreed to.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX  number XXXX ( CLOSED ACCOUNT ) payment late years XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I filed for XXXX XXXX  bankruptcy protection. The account I am having an issue with is a XXXX  XXXX XXXX credit card ending in # XXXX which was included in the aforementioned bankruptcy. The issue I have is with TransUnion reporting the incorrect date reported or status date for this account. I recently submitted a letter to TransUnion outlining the incorrect information on my credit report dated XX/XX/XXXX. The status date shows for the XXXX  XXXX XXXX credit card on my TransUnion credit report now shows as XX/XX/XXXX, prior to my correspondence with TransUnion the status date was showing as XX/XX/XXXX. The correct date should be XX/XX/XXXX, the date the bankruptcy occurred the status of this account has not changed since the bankruptcy filing. About a year ago in XX/XX/XXXX I had the same issue with TransUnion, you can refer to my previous complaint # XXXX, in which XXXXXXXX XXXX XXXX responded with the information they provided to TransUnion regarding my account which is they reported the account was included in bankruptcy as of XX/XX/XXXX. The letter from XXXX  XXXX XXXX is attached to the previous complaint referenced above. All the other accounts included in the bankruptcy have date reported as on or about XX/XX/XXXX. The other credit bureaus also show the correct date. For this XXXX  XXXX XXXX account. Due to this error that TransUnion refuses to fix, my TransUnion credit score is significantly lower than the other bureaus. I was recently denied a credit limit increase due to this erroneous error.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit report and saw that a number of late payments that I do not recognize appeared on my credit report and are negatively affecting my personal credit. 

XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the marks that I wish to be removed and updated as payment on time
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. Additionally, TransUnion failed to respond to my second dispute letter. I mailed two separate dispute letters to TransUnion, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The second letter was mailed on XX/XX/year>, but I have not received any response from TransUnion to date. 
According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that TransUnion has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my second dispute.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NC)

On XX/XX/XXXX I notice my credit score dropped.

Mohela student loan services had reported the same student loans again for the second time.

So it's showing doubled the amounts on my credit report that have already been reported.

The amount is also for the full amount instead of the amount that I actually owe.

I only owed about {$70000.00} for Mohela but now my credit report is showing {$130000.00} for Mohela.