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. (NC)

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
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. (VA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX have stated that my bankrupties/public records are accurate and verified through XXXX XXXX. XXXX XXXX have sent me a letter stating they are not a consumer reporting agency, l have no bankrupties/public records showing with them and that its accurate showing blank. XXXX is in violation and is reporting inaccurate information being my name and XXXX XXXX Attached are receipts from certified copies sent to XXXX, a letter from XXXX XXXX, my bankruptcy record from XXXX XXXX, front copy of XXXX stating the information is reporting from XXXX XXXX.
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. (LA)

I disagree with the account listed below which still appears on my credit report even after your investigation I would like this item immediately reinvestigated the accuracies are highly injurious to my credit score ( XXXX XXXX XXXX ) ( XXXX # XXXX ) In accordance with The Fair credit reporting act public law 91-506, Title VI section 611, Subsection A-D please provide the names and business addresses of each individual with whom you verify the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-06
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)

Why reviewing my consumer report I notice two fraudulent accounts on my consumer report. At that time I contacted the credit bureaus disputing these accounts. The credit bureaus are in violation of the following consumer laws.

1-U.S.C. 15 1681 SECTION 602 ( A ) 2-U.S.C. 15 1681 SECTION 604 ( A ) 3-U.S.C. 15 1681 e SECTION 607 Furthermore these disputes were filed over 30 days ago, and I have received no responses from them this is another violation per the F.C.R.A. AND THE F.D.C.A
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. (IN)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

[ XXXXTransUnion ] Subject : Formal Dispute of Inaccurate Bankruptcy Information To Whom It May Concern, I am writing to dispute the inaccurate and incorrect bankruptcy information that is currently appearing on my credit report. Upon reviewing my report, I have found that there are multiple listings on my credit report regarding a current bankruptcy. This information is erroneous and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on credit reports. This bankruptcy entry is neither accurate nor complete, and its continued presence on my credit report is causing significant harm to my financial standing. 

I am formally requesting that you investigate this matter and remove the inaccurate bankruptcy information from my credit report without delay. Failure to correct this issue within the time period allowed by law ( 30 days ) will leave me no choice but to pursue legal action under the FCRA for willful non-compliance, including filing a civil suit to recover damages caused by this inaccurate reporting. 

Please confirm in writing that you have received this letter and have initiated an investigation to remove the inaccurate bankruptcy information from my file. I have attached copies of all relevant documents supporting my dispute, including a copy of my credit report with the incorrect information highlighted. 

Thank you for your prompt attention to this matter. I expect to hear from you within the legally required 30 days regarding the results of your investigation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-06
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-06
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. (VA)

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 : # XXXX, Account name : # XXXX  XXXX bankruptcy, 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 2023-04-06
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

I have a gift card from VanillaGift.com. Someone is stealing my balance of XXXX. I called vanilla gift ( XXXX ). They told me there was no way to stop it. 

I was given the following info about the purchase : XXXX XXXX  XXXX ( XXXX ) New York. I contacted the XXXX but they had no info. I called the number but the line had a busy signal and then cut-off. 

VanillaGift will not refund my money unless the charge doesn't go thru. I was told I can file a dispute after 7 days, but there doesn't seem to be an actual path to resolution. 

I checked my balance twice today and it was XXXX I called them because on of my charges with XXXX was declined by Vanillagift. I tried 3 times to speak to a representative. I finally got thru at about XXXX ( Pacific time ). It took almost an hour. 

Today was the first time I have called VanillaGift to get my card balance. I don't think it's a coincidence that the card was hacked after I called.
Consumer complaint received 2024-10-06
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. (GA)

I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (NJ)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

i filed a complaint on sps in XXXX pertaining to unpaid property taxes after receiving payment in my escrow account. i filed another complaint XXXX after receiving a forfeiture of property for unpaid XXXX taxes. the company responded that they Paid XXXX $ in XXXX and a document was mailed to me so i was responsible for the rest. however, i dont receive tax documents due to my taxes are part of my escrow account. i received a letter of delinquency and contacted the ombudsman of sps and was reassured it was a error the taxes were paid. 

after filed my complaint in XXXX, sps paid the delinquent XXXX taxes and applied it to my escrow balance. i contacted them to have the delinquent charges removed considering i was already charged in XXXX for these taxes that wasnt paid. i was told my account has already been reviewed at this was the result and the property is scheduled for foreclosure XX/XX/XXXX. seeming it was a friday afternoon, i waited until the following monday XX/XX/XXXX to contact sps ombudsman again. i finally got thru and spoke with a gentleman whom stated his name was XXXX. i explained to XXXX exactly what i told the representative on the previous friday. he took a look at my account and said yes your account has been reviewed and we paid XXXX $ in XXXX i replied if you guys only paid XXXX $ in XXXX why did you report to the irs you paid over XXXX XXXX he stated no we paid XXXX $ as stated in the response to your complaint. i then replied yes you guys responded that you paid XXXX $ but report you paid over XXXX. he asked me and where did you get this information. So i replied off my XXXX you guys sent for XXXX he asked if he could put me on hold. he returned and said yes i see that on your XXXX i said so why am i being charged again and why did you guy respond you only paid XXXX $ but charged me over XXXX in escrow. i then stated this seems like some fraudulent stuff and this company need to be looked into by the attorney general. He paused and stated what resolution are you looking for. i told him, removal of the delinquent charge applied XX/XX/XXXX for XXXX taxes. the removal of the negative marking on my credit report during this entire dispute. he replied well ive sent your case for escalation and someone will reach out to you. he then responded oh i see. we did paid XXXX $ in XXXX but i did send it for escalation, but i probably already now they response, but we will see. I then stated how can you see the payment now if you guys replied to my complaint with XXXX XXXX and if you see it, why was it paid again in XXXX he replied. ive escalated this and someone will reach out to you. today is XX/XX/XXXX and i still havent got that corrections nor a response.
Consumer complaint received 2024-10-06
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. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to you as the holder of LEASE account number XXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Lease have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XX/XX/1930 XXXX XXXX OK OK I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX  Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-28
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: Radius Global Solutions LLC (CA)

Company Number : Radius Gobal Solution Account Number : XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, FL XXXX On XX/XX/2024, I was looking on my XXXX  account to get an update credit score and noticed that Radius Gobal Solution a debt collector for XXXX for the amount of {$1300.00}. From 15 U.S.C. 1681 I never gave this company consent to furnish my information or obtain my information. The reason why I am writing this dispute claims on my credit report is because I lost my job and been living on the street for the past year in a half. I am unable to pay any debt collectors because I cant hold a job due to the fact I have XXXX.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

The collection companies are in violation of the Fair Credit Reporting Act ( FCRA ) for not providing proper validation and for reporting invalid debts.The disputed accounts include : {$1300.00} from XXXX XXXX XXXX, {$6000.00} from XXXX, {$1800.00} from XXXX XXXX I have sent several request and they have gone ignored.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit 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 {$150.00} 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.