davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

1-Recieved TODAY email i missed a payment with no explanation - new payment due XX/XX/XXXX, for {$98.00}. 2- CALLED XXXX SAID I MISSED XX/XX/XXXX PAYMENT. Not true... paid! Asked for manager. MANAGER stated i did not osy XX/XX/XXXX and " i was 32 dsys late '' even though today is XXXX XXXX XXXX " YOU CAN NOT USE CALENDAR DAYS to compute! '' " It is calculated by computer '' I ssked when is my due date? " no exact way to tell '' i filed a dispute. SHE SAID " I DO NOT HAVE TO PAY XXXX XXXX' I asked for paper statements since I never recieved their automated notice. THIS IS A NEW acct. WE PAID XXXX OK BUT WERE NOT NOTIFIED FOR XXXX! I am making a {$98.00} payment which should make balance up to date!
Consumer complaint received 2024-06-28
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. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My account with 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 XXXX, my XXXX my XXXX XXXX XXXX and to my XXXX! 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 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 2024-06-28
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. (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 Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Acct # XXXX XXXX XXXX Acct # 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. 
I will continue to submit complaints until this matter is resolved, XXXX and XXXX has already removed these items cause they do not belong to me.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted an FTC report in which the complaint number is XXXX regarding hard inquiries thats hurting my credit and I didnt authorize these agencies to run my credit below are the agencies whom ran my credit without my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

My mortgage has been paid in full to this company and they are telling 6 months before the lien is released. I need this lien released immediately. I have another bank that I refinanced through that has to place the lien on the property. I have kept calling and keep getting told its " in process. '' No one is helping get this lien released.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the XXXX credit bureaus : XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2023-09-04
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)

I am requesting a deep dive investigation with Transunion credit reporting agency due to a requested deletion on behalf of the creditor and an account that does not match or no longer associates with my student loan debt. The Department of Education have kindly stated they have no association with my student loans and now belongs to XXXX due to the fresh start program I requested. However, via certified mail, they were very kind enough to still agree for a deletion of their accounts off my credit report due to the up to date student loan stability with XXXX along with my reason, sincere apology, and determination on a better credit file moving forward in the future. The Department of Educations request was approved with XXXX and XXXX thus being the reason of deletion on my credit report. Unfortunately, the Transunion credit reporting agency has not shown to follow the request after several disputes and help needed for a thorough investigation with everyone involved. I am now requesting for an investigation to help make sure the creditor, credit reporting agency and myself are all on the same page for my credit file. I look forward to getting this taken care of for an updated and accurate credit report. Thank you in advance!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address significant discrepancies I have identified on my credit report regarding the XXXX XXXX XXXX account. It is imperative that you promptly remove this entry from my records to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports from XXXX, XXXX, and TransUnion, I have noted several inconsistencies related to the XXXX XXXX XXXX account. According to the official Deficiency Statement Balance obtained from XXXX XXXX, the balance on this account is {$0.00}, whereas you are reporting a balance of {$17000.00}. Additionally, I found disparities in the reported account open date ; you indicate XX/XX/XXXX, while Transunion report XX/XX/XXXX. Furthermore, you state the Date Last Active as XX/XX/XXXX, whereas Transunion shows XX/XX/XXXX and XXXX XX/XX/XXXX. The Last Payment date you report is XX/XX/XXXX, whereas Transunion and XXXX XX/XX/XXXX. I have highlighted these discrepancies in yellow in the document enclosed. 
Enclosed with this letter, please find a copy of the Deficiency Statement Balance from XXXX XXXX and a copy of my credit report illustrating these discrepancies. 
XXXX XXXX XXXX  TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Lease XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXXXXXX XXXX XXXX : {$30000.00} {$30000.00} {$30000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Merchandise was taken back by credit grantor/there XXXX be a balance due. Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inaccuracies are materially impacting my credit score and financial standing. Therefore, I insist on immediate action to completely expunge this account from my records. 
I request the following corrective measures : Complete removal of this account from my credit record. 
I expect your prompt attention to this matter and respectfully ask that you provide me with a complimentary copy of my updated credit reports once the account deletion is finalized. 
Thank you for your cooperation and swift resolution of this issue.
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. (IL)

have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deletedXXXX XXXX XXXX XXXX XXXX XXXX XXXX I will upload a letter from XXXX that verifies that the bankrupcy should be deleted as they are a third-party and the courts don't provide any information and XXXX has verified the information is not valid.
Consumer complaint received 2024-06-28
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. (NY)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I got an auto loan for a XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX. O contacted XXXX XXXXXXXX in XX/XX/XXXX to advise them I was not able to pay for repairs needed on the car and also I was not able to afford the car any longer. I spoke to XXXX XXXX on numerous occasions about this matter and let them know I wasnt in possession of the vehicle. I spoke to someone in the " impound dept '' for XXXX XXXX a male to let him know that the vehicle was at XXXX XXXX XXXXXXXX XXXX I was told they would go pick up the car. I was told it may or may not be considered a repossession. This was a voluntary repossession because I gave them back their car. Since then XXXX XXXX has kept adding fees as if I still have the car for monthly payments I paid when I had the car of XXXX XXXX monthly. They have continued to charge me this and I do not have the car. They have sent negative marks on my credit report as well. I have tried to dispute this and they continue to put negative balances on my account applying these fees monthly as if I had the car in my possession. They have basically harrassed me by calling every single day sometimes up to XXXX times a day. Ive had to get my number changed due to this. Its been constant harrassment. I have notified the XXXX of this as well because I am no longer responsible for this car as of XX/XX/XXXX. Whatever has happened or whoever has the car now is responsible for whatever fees. The car shouldnt even be in my name anymore. A XXXX employee looked up the vin and it showed another company or persons name has this car so why are they constantly reporting negative marks on my credit report and constantly calling sending mail to my family members home? This is Not my vehicle anymore! I gave it back to them! I no longer have any ties to this car and the negative marks and balances for this car needs to be removed!
Consumer complaint received 2024-06-28
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-28
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. (FL)

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Report Act ( FCRA ). The listed account below has violated my federally protected rights to privacy under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section ( 2 ) Also states a consumer reporting agency can not funnish a account without my written instructions
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sure, here 's a template for a dispute letter to a credit bureau regarding a name and address discrepancy : -- - 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  Dear Sir/Madam, I am writing to formally dispute incorrect information on my credit report. The report lists inaccurate details concerning my name and address, which I request be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have caused me significant inconvenience and could potentially affect my credit standing. To support my request, I have enclosed copies of the following documents to verify my correct details : Please investigate this matter and update your records accordingly. I request written confirmation once these corrections have been made. If you require any additional information, Thank you for your prompt attention to this matter.