davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX Dear Consumer Finance officer at Auto Division I am writing to dispute a close account of an Auto Loan of {$28000.00} to my account on XX/XX/XXXX. The charge is in error because the auto was taken from me in an armed robbery in XXXX XXXX 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of the police report supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX
Consumer complaint received 2024-06-15
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. (AZ)

To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. 

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.
Consumer complaint received 2024-06-15
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. (WI)

I am initiating a dispute and investigation as these accounts are wrongly listed on my credit file. Under the Fair Credit Report Act, I should get {$1000.00} per incorrect report. FCRA 605B obliges us to report any false accounts on a consumer 's credit report.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-15
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. (NC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] XXXX XXXX [ XXXX XXXX ] [ XXXX ] Transunion : XXXX XXXX XXXX ] [ XXXX ]
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I looked at my report back on XX/XX/year> and again XX/XX/year> and noticed some things are still incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XXXX XXXX and XXXX XXXX XXXX XXXX are not complete and accurate. They sent me investigation statement back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and ( ii ) promptly notify the furnish-er of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either and according to 15 USC 1681s-2 they are supposed to 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 2024-06-15
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)

I am initiating a dispute and investigation as these accounts are wrongly listed on my credit file. Under the Fair Credit Report Act, I should get {$1000.00} per incorrect report. FCRA 605B obliges us to report any false accounts on a consumer 's credit report.
Consumer complaint received 2024-06-14
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX, account number : XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-15
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)

Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX  XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within XXXX business days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided.
Consumer complaint received 2024-06-15
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. (AZ)

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 ) you are required to remove these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XX/XX/XXXX XXXX  XXXX Balance : {$23000.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$1800.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-14
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 make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

When reviewing my credit report I noticed that there was an XXXX XXXX account that does not belong to me. It was removed from XXXX report but Experian and XXXX continue to report this false information.
Consumer complaint received 2024-06-15
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)

I insist, without any delay or excuse, that you promptly correct this account from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct this account immediately : XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2023-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (AL)

XXXX, 2023 XXXX 
After Insurance paid, the remaining balance was {$90.00}. On XX/XX/XXXX, I paid in full through the patient portal. The payment was not posted and I was told they could not see the payment. 

I asked my bank to reverse the charge since XXXX XXXX had some technical issues. They denied my request because I had a relationship with the merchant and I had actually used my debit card to pay them. They were willing to assist XXXX in order to resolve the issue. 

I have had numerous phone calls regarding this issues. Made two trips to XXXX in an effort to resolve the issue with an Administrator and they were not available. I have left several messages on the Administrator 's voice mail and have not been given a call back to schedule a date and time to meet with them. 

Since XXXX, I have repeatedly tried to resolve this issue. I have faxed my bank statement, a letter from my bank, and now it has been sent to a different collection agency. However, Revco Solutions can see all phone log communication, confirmation proof of payment was provided, but they say I still owe the bill. I need help.
Consumer complaint received 2024-06-15
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)

I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my credit score and my ability to obtain credit on favorable terms. Under the Fair Credit Reporting Act ( FCRA ), the Credit Bureuas are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open accounts immediately : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5900.00} ; XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} ; XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$360000.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (WY)

I received an email from Barclays offering a promotional rate of 0 % through XX/XX/year> on a credit card balance transfer or for a transfer to personal checking account. Logged into account. Only offer available was a credit card balance transfer. 
I contacted the customer service. They talked to their manager. Bank refused to honor request. Further, they had no interest in receiving information on the offer I did receive. It was very frustrating and was belittled by the employee.
Consumer complaint received 2024-06-15
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)

XXXX XXXX XXXX Has Violated my rights In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

I am filing a complaint against Transworld Systems Inc. ( TSI ) for violation of State and Federal debt collecting laws. TSI, a third-party debt collector that is collecting an alleged credit card debt on behalf of XXXX. TSI is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and the State of Texas Debt Collection laws under Title 5. Chapter 392. Specifically, FDCPA 15 U.S.C. 1692c 805. Communication in connection with debt collection and 806. Harassment or abuse, and Texas Finance Code Sec. 392.302.for using the telephone to harass me, and failing to abide by a cease and deist communication order. Additionally, TSI does not have a surety bond and has not filed a copy of the bond with the Office of the Secretary of State in the State of Texas and is in violation of State law by engaging in debt collection in Texas. 
Note, in XX/XX/XXXX, I notified TSI in writing to cease and desist any communication with me, as well as my family and friends, in relation to the alleged debts owed. I advised that I did not want to be harassed repeatedly using the phone to annoy me by calling my home multiple times per day. The phone calls ceased altogether shortly thereafter. For some unknown reason, on XX/XX/XXXX, TSI resumed its harassing phone calls to my home, leaving voicemail messages with my personal information. The calls are originating from different local phone numbers with the prefix of ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX. I am attaching a screenshot of the voicemail log that I printed out from the XXXX XXXX XXXX ( home phone provider ) which contains a log with the phone numbers, dates, and times of the calls. The voicemail messages which have been preserved, state the following : This is an important message from Transworld Systems Incorporated a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX at XXXX XXXX XXXX XXXX. Again, that XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you. Transworld Systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ( screenshot of the transcribed voicemail is attached as well ) I have never revoked or withdrew my cease and deist notice. I have also not been in contact with TSI for some time now. Therefore, I am confused about why TSI has resumed contact, especially about this alleged debt that has been disputed multiple times over.