davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX  Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX XXXX Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information.

2. A description of the procedure used to verify the information.

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report.

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation.

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ).

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel.

Thank you for your prompt attention to this matter.

Sincerely,
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

XXXX Surrender once XXXX Leading up to XXXX I requested the voluntary surrender via email as well as contacted the dealership on my mobile app with request. 
After I provided the company with the location to pick up the vehicle, I did not hear back from them regarding my request on status. I have email and messages that XXXX will provide as evidence.
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (CO)

I checked my credit report in the morning of the XXXX and noticed that a hard inquiry was added under the name XXXX XXXX. I called them inquiring about the charge along with the reporting credit bureau. XXXX said they had no record of me and that there was no further information that they could provide to me. I have never inquired with XXXX, let alone attempted to open an account with them. This is either them improperly using my information to open lines of credit, or an individual with little information about me applying for a credit card under my name with little to no verification.
Consumer complaint received 2024-07-04
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. (SC)

Transunion has not corrected my consumer report and I have requested the method of verification into these disputes! Transunion is in violation of the FCRA and I have contacted and disputed fairly. If these are not removed from my consumer report within XXXX days I will have to seek legal remedy! All charge offs, collection and negative reporting items!
Consumer complaint received 2023-09-20
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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 2024-07-05
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. (KY)

XXXX. There is a XXXX XXXX secured card with a {$0.00} balance that I do not have that needs to be removed and or closed. XXXX. I am employed by XXXX XXXX and have been employed since XXXX. This information is not on my credit report. XXXX. My legal name is incorrect, it should be XXXX XXXX XXXX
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Over the last seven years we have tried to work with our mortgage servicers, ( Nationstar ) to attain a permitted modification. We are victims of abusive loan practices. All of the modifications that we attempted from Nationstar were 2 % interest only and reverted back to the original terms of the loan 's interest rate of 8.350 % ( see attached ). Due to the crash of the housing market, our home was upside down and our servicers were not willing to make any reduction in principle balance, or forgiveness of fee and penalties. We were informed that private investors owned our loan and that they were not held to the same standards as commercial investors. We have hired attorneys to represent us in finalizing a permanent modification change. We knew that our loan was through XXXX XXXX. ( XXXX XXXX were no longer in business ) With that being said, our attorney would say that our loan was through XXXX or XXXX XXXX XXXX. We hired the XXXX XXXX Firm. We paid the XXXX XXXX XXXX {$3500.00}. They closed down. Once again we were offered in home modification with Nationstar, interest only 2 %. Next we hired Preferred Law in XXXX 2015, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. We paid them {$3900.00}. They were able to get XXXX different modifications XXXX Modification required a good faith payment of {$5800.00} and monthly payments of {$2300.00}. After two years, XXXX modifications would revert back to the rate of the original loan./ XXXX Modification required a good faith payment of {$11000.00} and monthly payment of {$2700.00}. The last Law Firm we hired was XXXX XXXX. XXXX claimed to sue the servicer Nationstar. We paid them {$7000.00}. ( XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ) ). I have receipts verifying payments that were made to the different law firms. The first two years of the loan, payments were made on time each month. After the first year of our loan, I applied to refinance. I was denied twice, having a credit score of XXXX. After the first year of the loan we paid {$55000.00} in interest only. We were faced with a financial hardship and need help with modifying our loan. And it has been a down hill spiral ever since. We would like your assistance investigating Nationstar ethical practices of servicing home loans.
Consumer complaint received 2024-07-05
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)

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 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.

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 2024-07-04
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. (NC)

I am not liable for this debt with XXXX XXXX. I don't have a contract with this company. thy did not provide me with the original contract as requested. 


I did not authorize hard inquires from XXXX XXXX
Consumer complaint received 2024-07-05
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. (IL)

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 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. 

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 2024-07-05
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. (NC)

This is my follow up and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct them from my personal credit file : XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$560.00} XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2024-07-04
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)

Im a foreign national and my identity stolen. My consulate told me to go FTC website. I dont know much English but here is info please help. Can you help me. These accounts are not me. Someone use my info. Can you have remove? Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, my local bank, XXXX in XXXX, AZ, sent requests on my behalf to 2 banks, XXXX XXXX XXXX XXXX, and Truist Bank XXXX XXXX XXXX XXXX. in XXXX, FL, to transfer IRAs from those banks, so that I could get better interest rates and consolidate small IRAs.. Within 2 weeks, XXXX received a check from XXXX and I was able to put those funds in a XXXX IRA on XX/XX/XXXX. After a few more weeks of no transfer from Truist, I called their general # and was told that the XXXX branch probably misplaced the request. They contacted the branch, and told me to have XXXX resend it, this time with " Attention : XXXX XXXX '', which I did. Almost 2 weeks later, still nothing, so this time I called the Truist XXXX branch and spoke with XXXX XXXX. She said this " wasn't on Truist '' that the requests weren't getting to someone who would take care of them. This time, she asked that I have XXXX fax the request, which I did the next day. This was the XXXX time I had to go to XXXX and re-sign the requests. They didn't have a fax but I called XXXX again and she said they could send it to her email, which they did. The next day, XX/XX/XXXX, I got a voice-mail from XXXX saying XXXX had " received the IRA transfer XXXX paperwork '', that she had forwarded it to their " IRA team XXXX and that it would " take up to 3 business days '' for the transfer to go through, and that there would be a {$50.00} IRA transfer XXXX. I saved the voice-mail and will gladly share it. Again, nothing happened for weeks. I called the Truist XXXX office yesterday, XX/XX/XXXX, and asked for the IRA team and was told they didn't have XXXX. XXXX called me back later yesterday and said they had requested paperwork from XXXX, which made no sense, since she had already said in her voice-mail that they had received it. When I said I was going to lodge a complaint, she asked sarcastically " Do you even know how to make a complaint? '' It is obvious to me that I'm never going to get Truist to transfer these XXXX  to my local bank. Please help.
Consumer complaint received 2024-07-04
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. (TX)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2024-07-04
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)

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.
Consumer complaint received 2023-02-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-04
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)

This account was charged off on the following date ( XXXXXXXX XXXX  OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account : Accounts Name - XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (AZ)

ALDOUS AND ASSOCIATES has violated Federal Law committing fraud and defamation. This company alleged I owe a debt and is trying to collect this alleged debt by furnishing deceptive forms as pursuant to 15 USC 1692j ( a ) to coerce me I to paying this alleged debt owed. furthermore this company is not licensed, Authorized, or Registered to do business in Arizona. 
Proof annexed in attachment labeled as Exhibit " A ''. 
15 USC 6801 ( a ) by not providing me the opportunity to Opt Out of information sharing and the sharing of my non public personal information with non affiliated third party consumer reporting companies which has caused injury to my character, reputation, credit worthiness, credit standing, and my right to extend credit which is a violation of 15 USC 1681. Proof annexed in attachment labeled as Exhibit " B '' * Exhibit " A '' is a copy of the list of states ALDOUS AND ASSOCIATES is licensed/Registered to operate in which does NOT show Arizona * Exhibit " B ' is a copy of consumer report ( s ) in which ALDOUS AND ASSOCIATES has furnished this information on my consumer report
Consumer complaint received 2024-07-04
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. (TX)

My repeated efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I've been a victim of identity theft.