davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX  XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed an accounts reported by your company in the file you maintain under my Social Security number. XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT TYPE : COLLECTION ACCOUNT NUMBER : XXXX  DATE OPENED : XXXX XXXX XXXX BALANCE : {$1600.00} I was informed on 7 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section XXXX ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-24
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
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. (DE)

I checked my credit report this morning and I saw that there were inaccurate accounts. I tried logging in and logging out of my account, but when I logged in again, the inaccurate accounts were still there. I have no idea why those showed up on my credit report but I do know that I want them removed, so please thoroughly look the documents I've sent.
Consumer complaint received 2024-07-24
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)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates LLC has been contacting me about a statute of limitations expired debt. They admit that debt is too old for them to sue me for collection. But they continue to report debt as starting in XXXX 2012 ( when they bought this account ) even though debt is over 7 years old. I have sent cease and desist letter and asked them to remove the expired debt from my credit reports. But they do not do so.
Consumer complaint received 2024-07-24
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. (WA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I have sent letters of dispute to this company requesting for valid validation and they laughed and hung up on me. they have reported this on my credit report. They refuse to give me who the client is. I have requested over and over to remove this debt I do not owe. I have never ever received anything from this company. except calls and hangs and call after XXXX. I have informed them if they do not remove this account that I do n't owe I will hire a lawyer they told me if I can afford this then pay my bill. I tried to speak with several different people that have names they refused to spell. I had attorney draft a letter and she spoke witl XXXX XXXX who told her they never got a letter., We have a copy of the signed certified letter. This is just another tactic of their violation of the FDCPA
Consumer complaint received 2024-07-24
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XX/XX/XXXX I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XX/XX/XXXX Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XX/XX/XXXX I resent the original request from XX/XX/XXXX to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XX/XX/XXXX I  received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XX/XX/XXXX requesting signed application ( ATTACHED ) 4. XX/XX/XXXX I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XX/XX/XXXX again Portfolio Recovery sent me the same letter sent on XX/XX/XXXX instead of sending me the fraud packet I requested on my previous letter to them on XX/XX/XXXX ( ATTACHED )
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (FL)

Please reference : COMPLAINT ID # XXXX, SUBMITTED ON : XX/XX/year> and COMPLAINT ID # XXXX SUBMITTED ON : XX/XX/year> My daughter and I sent an endorsed check to Freedom Mortgage Loss Draft Department XXXX XXXX XXXX XXXX on XX/XX/XXXX @ XXXX. Much like the previous issues referenced, Freedom Mortgage is once again purposely holding our final insurance check and not releasing it as directed. 
This check has been reissued 3 times, originally sent as final ordinance/law/depreciation payment recovery. XXXX completed an inspection after our final roof repair and released the funds held in Escrow upon said inspection 's confirmation of over 95 %. 
We called to check-in on the status of the check being returned, endorsed, to us on XX/XX/XXXX. We were told that it was processed and showed waiting for final verification. It was confirmed that nothing else was needed, they noted the over 95 % inspection and stated it's a XXXX day process and it would be sent with the pre-paid overnight label we included. 
Today, XX/XX/year> we spent an hour and XXXX waiting to speak to someone. When a representative finally answered we were told an email was sent yesterday, requesting an updated adjusters report. Then he corrected and said it went to XXXX XXXX, after I stated no email was sent to us. We spent XXXX trying to clear up this nonsense. We requested to speak with the person reviewing and holding up releasing my funds and were told that department can not be reached by phone. 
Again, I am caught in Freedom Mortgages inept handling of our account. One hand never knows what the other is doing and apparently they don't talk to the other either. 
The fact that they don't bother to check the paperwork already in their possession, resulting in a needless drawn out recovery process is pure negligence. They have been in possession of the report. It clearly shows the breakdown of payments and the Replacement cost/Depreciation amount of {$7300.00} AND the XXXX and XXXX amount of XXXX. Anybody can add those amounts on a calculator and come up with the amount the check is for, {$13000.00}.
Consumer complaint received 2024-07-24
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. (MD)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-05
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. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federal protected consumer rights. XXXX XXXX XXXX Account number XXXX I looked at my XXXX report a few days ago, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual 15 USC 1681 ( e ) ( b ). 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g validation is requested from XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

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.

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!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I contacted the credit bureaus to dispute fraudulent accounts. I followed their protocol. Obtained police report, filed a report with Federal Trade Commission. identified the items in question with account numbers. provided social, Driver Licenses, and utility bill.
Consumer complaint received 2024-07-24
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)

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 : Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX  : Account # XXXX Navient : Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX auto : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Account # XXXX XXXX XXXX ( original XXXX XXXX ) : Account XXXX XXXX XXXX ( original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) : Account 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

THEY DO NOT HAVE MY WRITTEN CONSENT!
Consumer complaint received 2024-07-23
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. (MO)

During the review of my credit report, I noticed several hard inquiries that were not mine. 

XXXX. XXXX XXXX inquried on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX I tried finding a phone number for this business but was not successful. I even called XXXX customer service and they were not able to help me. I tried disputing this through the credit reporting agency XXXX XXXX but when I l clicked file dispute it says hard inquiries I have to call on. I called XXXX and the customer service people told me I have to file an FTC complaint for them to review the removal of a hard inquiry. 

2. There was also one for XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX. 

None of these are my inquiry nor did I authorize anyone to apply for credit. 

I have put a fraud alert on my credit reports and locked the credit file.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.