davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-18
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. (AZ)

On, or around XX/XX/XXXX, XXXX XXXX was an open fraudulent account. The account is now delinquent and is reporting negatively on my credit report. It recently was closed and still a derogatory mark on my credit report. 

On, or around XX/XX/XXXX, XXXX fraudulent inquiries ; from XXXX XXXX XXXX XXXX XXXXXXXX XXXX were reported on my credit report. 

On, or around XX/XX/XXXX, a fraudulent inquiry from XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-07-18
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)

THE 3 BUREAUS ALLOWED 205 INQUIIRES WHILE HAVING A FRAUD ALERT ON ACCOUNT. THE PERSON TRIED TO OBTAIN A CAR AND NOBODY NOTIFIED ME OF THESE INQUIRIES
Consumer complaint received 2024-07-18
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)

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES FROM MY CONSUMER PROFILE : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IAM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-07-18
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 convey a sense of urgency and frustration regarding the fraudulent account that has infiltrated my credit report. It is crucial that you take prompt and decisive action to address this issue, as it is severely impacting my financial well-being. 
I hold TransUnion accountable for allowing these errors to persist. Despite my persistent efforts to seek justice and resolution, this fraudulent account persist on my credit profile, causing significant harm to my financial reputation. I am not simply requesting, but rather demanding that TransUnion conduct an immediate and thorough investigation into this disputed account, remove it from my credit report, and provide me with an updated credit report that accurately reflects my creditworthiness. This fraudulent account has been identified on my credit profile : XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

I have been attempting to create an account with Experian for a week. The online process fails and it directs me to a Experian phone number which doesn't get me to any help. This number is useless. Via online forums, a corporation phone number was identified. After confirming the phone number, I called and finally was able to talk to someone. They were unable to help me at the time and said I need to wait 72 hours. They will not call me back. They gave me a direct phone number to call after 72 hours but I can't verify that this is a valid number. With the recent breach, I am need to create an account with each of the three credit bureaus but Experian is not complying. This is a widespread issue with Experian and the XXXX  has them at a XXXX XXXX XXXX  rating.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer reports my name is XXXX XXXX this is the only name that I am known as and the only one correct to use. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is the only address that I use and is correct. Delete any information that is not listed as such. My employment is The XXXX XXXX  this is how my employer is spelled. This is the only way to spell it so do not misspell my employment. My second employer is The XXXX XXXX  this is the only way to spell my employment. Remove any other employers or name it is not correct! XXXX XXXX XXXX XXXX XXXX is not my address neither is XXXXXXXX XXXX XXXX XXXX these are not mine again they are not mine.
Consumer complaint received 2019-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

These people are very unprofessional! First I refinanced my loan with them only getting {$100.00} out of it. When I went in that day, they had a kitten that they found outside locked in a room in the back! No food or water! Then XXXX put " optional insurance '' on my loan but didn't tell me it was optional! I had to call corporate and have them take it off. Third, on Friday XX/XX/19, XXXX XXXX called me at work! On my work phone! When I told her I needed something sent to me to show what I owe because I was about to file bankruptcy, because they never gave me any paperwork, she LAUGHED and said I couldn't file them on bankruptcy because I hadn't made my first payment. They let me skip my payment for XXXX, for " customer appreciation '' month but didnt tell me I was going to have that interest put on my first payment after I refinanced! I'm very dissatisfied with the way they do their customers and after reading other reviews about them, I'm starting not to trust them at all!
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX *The above numbers may differ from actua

l records 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 States a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Business and Consumer Solutions. (TX)

XXXX XXXX sent me a notification on XX/XX/year> of a data breach which has improperly shared my personal & credit information. The notice indicates that XXXX XXXX  and constituent Financial Business and Consumer Solutions , Inc. ( FBCS ), a third-party debt collection agency network was compromised and personal information was stolen by unauthorized parties.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/year> validation notice was sent to Lvnv requesting information under 15 USC 1692g Sec. 809 ( b ) of the FDCPA This noticed was received on XX/XX/year> by XXXX XXXX. 



It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful I would like more information about your firm before I discuss the debt with you. 

Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

Please provide the name and address of the bonding agent for your agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Best Regards
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I was victim to a fraud call and email scam that resulted in the criminals transferring from my credit card a cash advance into my checking account, then doing a XXXX transaction to a person at a XXXXXXXX XXXX in California. 
I was told on the call to not worry about emails that would be happening during the day. a Few weeks later after not recieving in the mail the new account info they promised i went and saw my back, they told me it was fraud. i then filled a complaint of fraud online in late may. after a week of calls and conversations i went back to a scheduled appointment at my back and closed all my old accounts and opened new ones, so that the access the criminals had would not exist. At that time I was told that everything was being taken care of and to not worry. 
On XX/XX/XXXX i received a letter saying the claim was denied because they had not done anything wrong. i called in and the person told me they didn't know why I was getting that letter because claim was still active. 
On XX/XX/XXXX i had a {$400.00} charge added to my credit card called XXXX credit and a corresponding back fee of {$170.00} added to my account. 
I called in and was told I was in the wrong department but that the fee was in result of them denying my claim and charging me back the fraud credit they gave me in may.

I then preceded to spend 2 plus hours being transferred to nine different people telling my story and always being told that I have to speak with another department. I kid you not, I spoke with the same departments multiple times and had to tell the entire story again. After 8 times they claimed to file there own internal complaint. I am now on my nineth person and she is again telling me she is the wrong department. all I want is someone to tell me they are going to give the credit back to me and take care of this fraud. But Bank of America seems to be a disconnected and dishonest operation that is stringing me along and making me pay additional fees on fraud they should have already taken care of.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC (CA)

Dear Sir or Madam, Subject : Request for Assistance with Dispute Resolution Inaccurate Bankruptcy Record Reporting I am writing to seek assistance with an unresolved issue concerning the reporting of my XXXX XXXX XXXX by the credit reporting agencies XXXX and XXXX. Despite a previous dispute filed and processed in XX/XX/XXXX, inaccuracies persist in my credit report that I believe are unfairly impacting my credit status. 

Background and XXXX of the Complaint : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. 
Date Filed : XX/XX/XXXX. 
Date Resolved ( XXXX ) : XX/XX/XXXX. 
Responsibility : XXXX. 
Reference Number : XXXX. 
Address of the Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number of the Court : XXXX XXXX XXXX XXXX 
Dispute XXXX : My dispute regarding this matter was processed in XX/XX/XXXX, but the report remained unchanged. 
Despite my efforts to correct this issue directly with XXXX and XXXX, the XXXX record remains inaccurately reported. The response from both agencies stated that the item remained unchanged post-dispute processing, which contradicts the actual resolution details of my case. 

Impact on XXXX : The persistence of this inaccurate information is detrimental to my financial health, affecting my ability to secure credit and other financial services. It is crucial that my credit report reflects accurate and updated information as per the legal discharge of my bankruptcy. 

XXXX XXXX : I request a thorough reinvestigation of the bankruptcy record and correction of the discrepancies found in my credit report. Additionally, I seek confirmation of these corrections in writing from both XXXX and XXXX. 

I have attached copies of relevant documents, including the bankruptcy discharge paperwork and correspondence with the credit bureaus. I am prepared to provide any further information necessary to assist in resolving this matter. 

Thank you for your attention to this serious issue. I trust the CFPBs involvement will ensure a fair and prompt resolution. 

Sincerely,
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (MD)

I pay mortgage on XX/XX/XXXX for XXXX for the month of XXXX they said i should have pay XXXX in XXXX if you look at my new Escrow payment it said that my new payment started in XX/XX/XXXX XXXX that because they never deduct XXXX dollar that they took out for Escrow started at XX/XX/XXXX and the new Escrow payment of {$810.00} that I pay off on XX/XX/XXXX they never deduct the {$67.00} from my Escrow my new mortgage payment should be XXXX not XXXX they are only making me late on my mortgage because of this
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

For the past several months, I have not been able to take any action on my Equifax account and everytime I call in, they say that they need to connect with IT to address it. My account only states that I need to call when I login with no further details on how or who can help resolve the issue of needing access to my online profile.
Consumer complaint received 2024-07-18
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)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX 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 2024-07-18
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. (LA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
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. (GA)

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested a FCRA Section 611 ( a ) ( 6 ) and ( 7 ) method of verification for a previously disputed item on my credit report. Per the FCRA the CRA has 15 days to respond to my request. They did not respond in the allotted timeframe. They are in direct violation of the FCRA. I ask that the item be deleted off of my credit report based on noncompliance by the credit bureau. 

The acct is : XXXX XXXX XXXX XXXX acct # XXXX {$750.00} Original Creditor XXXX XXXX XXXX The letter sent was received by Transunion XXXX XX/XX/23. 
USPS Tracking # XXXX