davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (GA)

I am XXXX years old and I have been repeatedly called by an unknown caller who leaves the following voice mail, which I have transcripts of - " We are contacting you from process division we received an order for you it looks like two pending charges. Now unfortunately because we were not able to reach you by phone you will be actively pursued at your place of employment and your residence. 
You have the right to contact the client to resolve the case voluntarily. Understand when you are located -- you forfeit that right. To speak with an agent press one or contact our office at XXXX. When calling be sure to reference your case number. '' I have the transcript of another voice mail which is very similar- same phone number. 
I finally took the call. The caller- who identified himself as XXXX XXXX or something similar, new my name and the last of my SS #. I asked him what company he was calling from and he said- XXXX XXXX  XXXX. He said they had tried to contact me by mail at an address- where my daughter had once lived. He then told me I still owed $ 13,000+ on a previous car repossession. And knew my entire social security number and named the model of car. And that they would resolve the debt for {$960.00}. 
There in fact had been a voluntary repossession of that XXXX XXXX. I am currently paying off the balance with another collection company and have been for several years. 
He said it was probably too late and already headed to court, but would try to intercede. He put me on hold and when he returned said he could accept the payment. 
I told him I had to go into a Dr appointment and I would ball him back. He gave me this number and extension- XXXX XXXX. He said I only had 2 hours or it was going to court. I did not call back and continue to get the call- voice messages.
Consumer complaint received 2019-12-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (PA)

On XXXX, XXXX I received a credit notification that a negative item was listed against me, On review of my reports it was listed as Midwest Recovery System in amount of {$2600.00} for payment for XXXX XXXX XXXX. I was never contacted by Midwest about this account. Further more The amount that they request is the same amount XXXX XXXX XXXX stated I overpaid and sent a check to me, I called them and unsure about amount asked them to verify but in mean time was told to return check to car dealer which I did..check was not cashed by me.. ( Second ) date of first late payment was in XXXX not XXXX. Amount in question is incorrect account should be {$0.00} please research check amount submitted by Original creditor and returned as instructed to car dealership. check bank cashing information as I did cash check. Also regarding Midwest a review of my phone and mail history for certification of recipients shows no calls or contact history.
Consumer complaint received 2024-08-07
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. (PA)

My account with ( CREDITOR NAME ) 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 in those account 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.

( CREDITOR NAME ) 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 2024-08-07
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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2019-12-30
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. (MN)

This company shares medical records with 3rd parties. This is a breach of the HIPPA privacy laws instated by our federal government, since this company that deals with the American social security system ; As a part of our federal consumer privacy laws in America this is an alarming company to be sharing personal information to parties WITH NO PERMISSION from the consumer. This is also a FEDERAL OFFENSE in accordance to our constitution and laws set in place to protect consumers from fraud and privacy Breaches. I have not nor do ever authorize this company or ANY of it's partners/ affiliates that have are or will be involved in this policy, to ever use my information for any reasons regardless of requests from other parties. Again this is a company breaching consumer privacy laws by releasing medical records from it's consumers/customers with no permission. Nor do I authorize this company to ever use my information or to share any said information collected about myself or my descendants for any reasons what so ever, here unto and forever.
Consumer complaint received 2024-08-07
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. (TN)

On all theee credit report I have called XXXX XXXX XXXX and asked for proof of these late payments that go back to XXXX and XXXX and the repress that I have spoken with tells me they cant even see whats on my report back that far. I have sent numerous request to have this removed and XXXX XXXX has not removed this inaccurate information. I also provided a police report that the bureaus told me to file since I was also a victim of identity theft and I have asked once again to also have these inquiries removed as well. Nothing has happened and this being reported on my credit report is holding me back from obtaining a mortgage
Consumer complaint received 2024-08-07
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. (CA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-07
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. (CA)

In accordance with the Fair Credit Reporting Act, you are obligated to investigate and resolve disputes within a specific timeframe. I expect these changes to be made promptly, and I hope we can resolve this matter without further escalation. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this issue and have enclosed a copy of that complaint, along with proof of my identity and address. 

Names/ Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (GA)

Since XX/XX/2023, I've sent several letters to Equifax Information Services LLC  about how they could report the following Bankruptcy XXXX XXXX  case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA  XXXX does not report to any third-party Credit Reporting agencies . I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX  case number XXXX.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've been disputing the same information that has been deemed fraudulent on my behalf. The Consumer Reporting Agencies are not doing their jobs thoroughly. I've sent in FTC reports. I have not received any investigation consumer report from the CRA 's under 15 USC 1681a ( e ). Like why even exist if they're too lazy to follow the FCRA guidelines? But, instead of doing their investigation they're only just matching information which is not an investigation.

15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have submitted over XXXX  disputes to Equifax on this account. This is my XXXX XXXX  Card account. This account is not CLOSED. I recently was approved for a credit limit increase. When i provided my statements and approval letter to Equifax as proof that the account is open, they ignored it and still reported the account as CLOSED. the showed the increased limit however. which didnt make any sense. if the account was closed how did the limit increase. Now when i dispute the close the dispute in a day. never looking at my proof. I have had the comenity write a letter. i sent the letter to Equifax. still they would not report the account as OPEN. not sure whats going on here. their hurting my payment history, credit length on open account and credit utilization by not reporting this account as OPEN. i can provide proof
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Unauthorized Hard Inquiries. I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which constitutes securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX 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 reputation, my character, my mode of living and to my family!

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 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 2024-10-09
Product: Mortgage — Conventional home 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX PAID UP OUR MORTGAGE DO TO COVID ASSISTANCE PROGRAM UNTIL XX/XX/XXXX. XX/XX/XXXX WE ASKED FOR A REDUCTION ON OUR MORTGAGE PAYMENTS WE WERE TOLD NO BY BANK OF AMERICA, YOU HAVE TO BECOME BEHIND FIRST! BUT WE WILL SEND YOU PAPER WORK AND SEND IT BACK! AFTER 3 MONTHS GETTING BEHIND {$6600.00} ON PAYMENTS BANK OF AMERICA TOLD US SHORT SALE WE CAN NOT REDUCE YOUR PAYMENTS. I FILED A COMPLAINT WITH HUD FOR HELP DO TO DISCRIMINATING AGAINST OUR XXXX. MY HUSBAND XXXX XXXX! THEN I GOT A CALL FROM BANK OF AMERICA CUSTOMER SERVICE MANAGERS TOLD ME THIS WAS A MISTAKE ON BANK OF AMERICA AND IF I WOULD RETURN THE DOCUMENTS BACK FOR THE THIRD TIME TO BANK OF AMERICA SO WE CAN REDUCE YOUR PAYMENTS ARRANGEMENT CORRECT! I WAS TOLD TO REFAX AT ANY BANK OF AMERICA LOCATION AND I DID AND TODAY XXXX XXXX HAD A PHONE CALL FROM BANK OF AMERICA AGAIN WITH THE SAME INFORMATION SHORT SALE! NO WE CAN NOT REDUCE PAYMENTS FOR PEOPLE WITH INCOME ON SOCIAL SECURITY AND PENSIONS TOTALING {$6500.00} A MONTH WE ASKED WHY NOT BANK OF AMERICA COULD NOT AND WOULD NOT ANSWER MY QUESTION!! 
WE NEED TO GET HELP WITH XXXX DISCRIMINATION BY A BANKING INSTITUTION WE ARE TRYING TOO PREVENT FORECLOSURE THANK YOU
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-07
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: EQUIFAX, INC. (MS)

I recently saw a unfamiliar account listed on my credit file without my permission or verification. I filed a dispute demanding that the company provide me with a HIPPA document signed in XXXX XXXX by while being of sound mind and body to sign such document. Electronic signature are not sufficient as anyone can sign electronically. As a consumer, I have the right to these documents and as the data furnishers, reporting information that has not been validated by me or ignoring clear HIPPA violations to do so is illegal. In the likely event that this comany decides to reply to this dispute with cookie cutter automated replies such as " verified as accurate '', I demand proof of documentation of such verification and the methods used to " verfiy '' this account in writing per FCRA regulations. I demand that this account be deleted immedately from my credit file unless all documents and proof can me mailed to me via certified mail.
Consumer complaint received 2024-08-07
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. (MS)

I recently saw a unfamiliar account listed on my credit file without my permission or verification. I filed a dispute demanding that the company provide me with a HIPPA document signed in XXXX XXXX by while being of sound mind and body to sign such document. Electronic signature are not sufficient as anyone can sign electronically. As a consumer, I have the right to these documents and as the data furnishers, reporting information that has not been validated by me or ignoring clear HIPPA violations to do so is illegal. In the likely event that this comany decides to reply to this dispute with cookie cutter automated replies such as " verified as accurate '', I demand proof of documentation of such verification and the methods used to " verfiy '' this account in writing per FCRA regulations. I demand that this account be deleted immedately from my credit file unless all documents and proof can me mailed to me via certified mail.