davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

On XXXX XXXX, XXXX, i was notified that my old employer has been receiving mesages from this company and they had already asked it stop. I have a recording of a voicemail where they state I will be served in XXXX days at my place of employment and gave a " case number '' Of the filing. I called the number and was transferred to XXXX. I believe she pretended to not find the case in the system in order to ask me more information, as I repeated the case number several times. She went on to tell me I have a debt from XXXX, that I would be taken to court, that i committed fraud. I told her I was unaware of any of this. I was asking questions and she was getting worked up and rude. The voicemail left to me provided my address. I have received no communication from them whatsoever. I asked her to send me information so that I could review. She said doing so would be discovery. That they are a law firm and dont have to comply with collection company rules. Refused to send me anything. I told her there was a statute of limitations. She said there wasnt and mentioned some clause. She insited I decide to go to court or enter into a plan to pay by XXXX year. I told her i could not do that as i dont even have details as to what this is. She said i only had XXXX say to decide. Then she said she could give me medical exemption. I believe she was trying to trick me into acknowledging a debt. She kept asking if I wanted to go to court, she would let the attorney know. I told her i would do my due diligence and she hung up.
Consumer complaint received 2024-07-12
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)

According to the fair credit reporting act XXXX has violated my rights 15 U.S.C 1681 section602 A states I have the right to privacy and also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The lease in question ended at the end of XX/XX/2024. I was granted an extension to purchase the vehicle. The lease extension was through XX/XX/XXXX. I sent XXXX a bank check for the full purchase amount which was received by XXXX on XX/XX/XXXX ( XXXX Tracking Number XXXX ). XXXX is now reporting the lease as delinquent. 

I called XXXX on XX/XX/XXXX after I became aware of the status of the lease. XXXX indicated that they are experiencing a delay in processing the end of the lease. XXXX stated it is taking them about XXXX  days to complete the lease end process. I emphasized to XXXX that the information on my credit report was incorrect. XXXX offered to e-mail a letter stating that the lease has been paid as agreed. XXXX stated the letter would be sent via e-mail within the next XXXX hours. No letter has been received. The status of the lease is still being misreported.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Hello, My mortgage was transferred from XXXX to NationStar as of XXXX/XXXX/16. I been trying to get NationStar to begin reporting my mortgage account and payments to the Credit Reporting Bureaus. I have provided the signed re-affirmation order from the Court to Nationstar on numerous occasions. I have been told by NationStar Customer Representative that NationStar is reporting my mortgage. But this is not correct. Today, I just got the phone with NationStar Customer Representative. NationStar Customer Representative ask to provide proof that NationStar is not reporting. I have send credit report dated XXXX/XXXX/16 to NationStar. Furthermore, XXXX has removed my Mortgage information and payments from my Credit File resulting in a XXXX point drop in my credit score.
Consumer complaint received 2024-07-12
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)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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. 


From XXXX XXXX XXXX XXXX : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX From TransUnion Intermediate Holdings , INC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts have violated my rights. As a reminder to 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 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 2024-07-12
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)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-12
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)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-07-12
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. (FL)

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 2024-07-12
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 discovered errors on my credit report related to my name. Despite submitting proof of my correct name, the errors have not been corrected by the credit bureaus : XXXX, XXXX, TransUnion ). 

I initially contacted the credit bureaus on XX/XX/year> I provided proof of my correct name, including ID, and other documents. 
I have received automated responses but no resolution to the issue. 

These errors are impacting my ability to get a loan Received automated responses but no resolution. XX/XX/year> I requested that the name errors on my credit report be removed. I sent in proof of my name and requested they remove name errors as well as associated accounts with name errors such as XXXXXXXX XXXX and XXXX XXXX XXXX I keep getting automated responses - filing complaint for
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/year>, I submitted a dispute through the CFPB. The complaint number is XXXX. Thirty days has passed, and I have not received any response. Equifax had thirty days to investigate my dispute and they have not verified the information as accurate in this time frame. Equifax is required to delete information that has not been verified within 30 days. Please delete the XXXX tradeline.
Consumer complaint received 2024-07-12
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. (SC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-12
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. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I called to XXXX XXXXXXXX XXXX in XX/XX/year> requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.
Consumer complaint received 2024-07-12
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 account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 2018-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (OH)

In XX/XX/2018 I fell behind in my credit card payment due to unforeseen financial issues. I received repeated calls from the company. I spoke with them and advised I would be bringing current in XXXX The representative I first spoke with was extremely aggressive and insisted I set the payment up with her right then, because she was looking at my checking account information. I advised I didn't want to set up right then but would call back. She informed me that because I wouldn't set the payment up with over the phone using the checking account information she could see they would continue to call me. I told her I was promising to pay and would call back to make the payment. she was very aggressive and rude about insisting I make the payment right then. I asked to speak to her supervisor. his name was XXXX. He told me the same thing. I asked to have calls stop unless I didn't make the payment. he told me that if I put a cease and desist on the file they would close it right then. I asked that at a minimum they put a cease on my work number but could continue to call me since that was their procedure. he informed me he would update my work phone as no calls. However I continued to receive calls at work. I ignored the additional calls until it was closer to the time that I was ready to make the payment. As the date approached in XXXX, I answered the phone and spoke with another representative and provided her with the date and amount I would be making the payment. she again insisted that I set up the payment with her right then because she had my checking account information and wanted to know why I wouldn't just set it up with her right then. I informed her I would call back on the date and make the payment. She acted like she was put off but did ask some questions as to what caused my delinquency and updated my account for no calls at work. I did not appreciate the manner in which they continued to inform me that they had access to my checking account and their insistence that I set up future dated payment with them right then and their. I gave my checking account information over the automated phone system, not to individual to share with all employees to inform me that they were looking at my checking account information. they were way too forceful and aggressive in their tactics and they displayed minimum customer service. I made the payment to bring the account current and as of today, I paid the account off so I do not have to deal with them anymore, as they have horrible customer service and are way too aggressive for a person with first time delinquency.
Consumer complaint received 2024-07-12
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)

XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNT INFORMATION ON MY CREDIT REPORT. SECOND TIME REPORTING THESE FRAUDULENT ACCOUNT.
Consumer complaint received 2024-07-12
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)

These companies violated my rights to privacy and have not provided me any proof of the original agreement and has negative items in my credit report. I haven't given any permission to or signed any contracts.
Consumer complaint received 2024-07-12
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Dispute of Unverified Addresses and Incorrect Information - Demand for Immediate Removal. 



I am writing to you because of the previous disputed information in my credit report history and I have identified the following issues and reason why these are completely inaccurate and the following accounts that have been illegally added to my credit report without proper verification : Unverified Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Information : property address information was called XXXX  XXXX XXXX and their business is INACTIVE due to admin dissolution for Annual report. 



1.Unverified Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX 2.Incorrect Information : Property Information is called XXXX XXXX  XXXX XXXX. never had a lease or any important documents sent to this location. I have no business or anything tied to this property. 













1. Unverified Addresses : XXXX XXXX XXXX XXXX PA XXXX 2.Incorrect Information : property information is a house but I never had lease or rental agreement documents. I never signed or put my personal signature on anything pertaining to this location. 





1. Unverified Account Information : XXXX XXXX XXXX 2. Incorrect Information : This account is closed and the creditor considers it a loss. In fact, I noticed the old address XXXX XXXX XXXX XXXX, XXXX FL XXXX is/was the original but recently updated and changed to current. But the address is not only inaccurate but not on listed my credit history. 





1. Section 605 ( a ) which prohibits reporting of outdated information.

2. Section 611 ( a ) which requires you to conduct a reasonable investigation to determine the accuracy of disputed information.

3. Section 623 ( b ) which requires furnishers to verify the accuracy of information provided to credit reporting agencies.

Furthermore, as per the FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information has been previously deleted, it may not be reinserted in a consumer 's file unless the person who furnishes the information certifies that the information is complete and accurate. I demand that these illegally added and unverified accounts be immediately removed from my credit report. Failure to do so is a violation of federal law and may result in further legal action. Please provide a written confirmation of the removal of these accounts within 30 days, as required by the FCRA.
Consumer complaint received 2023-11-09
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)

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.