davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (CT)

I was under the impression that my balance on the XXXX account was {$0.00} on XX/XX/XXXX. When I left the rental property I attempted to pay the remaining balance and for some reason the payment was cancelled and returned. 

I was not made aware of this debt by the collections agency, and upon calling them they had told me they sent notices via postal service to XXXX XXXX XXXX, XXXX XXXX, CT. An address I have never associated with. I informed them I had moved to an address in XXXX, CT, XXXX and that I never received a letter. They followed up with " we attempted to call you ''. When I asked for my phone number they could not give me a number that I associated with in the past. 

The debt is also listed as being XXXX in collections. This must be incorrect because on XX/XX/XXXX my account was XXXX. On XX/XX/XXXX a payment was made from my checking account to XXXX for {$59.00}. My balance should have been {$260.00} if I was to have a balance. This is not the same amount listed on my collections report. 

To sum things up, I was not made aware of the debt, they notified the wrong address, and also listed the incorrect account owed. 

Please allow me to have this removed from my credit report. 

Best
Consumer complaint received 2024-06-04
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. (SC)

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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX 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 2024-06-03
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with Fair Credit Reporting Act these original creditors and collection companies/debt buyers has violate my rights. Under 15 USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604 ( A ) section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late under any circumstances or purpose.Furthermore, under section 609 ( a ) ( 1 ) ( A ) credit reporting agencies are required by federal law to verify through physical verification an original signed consumer contract on any and all accounts posted to a consumers credit report.
Consumer complaint received 2023-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

In late XXXX of XXXX, we were notified by XXXX XXXX ( our old loan servicer ) that our loan had been sold to Mr. Cooper is the midst of a loan modification with our first payment being due XXXX XXXX, XXXX. We made our first payment to XXXX XXXX on XX/XX/XXXX, which was placed into the suspense account and transferred to Mr. Cooper. 
In our last complaint, Mr. Cooper responded they properly applied our XXXX payment made to XXXX XXXX  properly to our new account with Mr. Cooper. That being said, in XXXX, when Mr. Cooper finally booked our loan, a payment was lost through an accounting or fund allocation error, and we were notified we were due for two months of payments, although we had made all our payments on time. We submitted several complaints over the last nine months through conversations with several Mr. Cooper representatives saying they would look into the issue, fix it, and get back to us, with no phone calls ever received back other than harassing ones about our account being supposedly past due. 
Here we are supplying proof of all our payments since beginning our servicing with Mr. Cooper, including all bank records proving the payments cleared our account and were received by Mr. Cooper. This is indisputable evidence that an error has occurred and needs to be corrected. For a federally backed loan, an issue such as this should, firstly, never occur and, secondly, be addressed in a more appropriate and thorough manner. I am very disappointed that I, with minimal accounting experience, can see the error when professionals can not.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX 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 XXXX 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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

After receiving a loan denial I decided to check my credit. 

XXXX XXXX has been reporting erroneous information to the three major credit bureaus. The company has been reporting and increasing outrageous amounts that are false and is causing financial difficulties. The account with XXXX has been closed and charged off since 2016. 

The company took the debt to civil court and was awarded a judgment in the amount of XXXX. 

XXXX has continued to report a high balance of {$28000.00} and the amount is climbing every month. 

These reporting are false and fraudulent and is causing financial difficulties. 

I no longer have an open account with this company I dont see how they are legally allowed to report increasing balances per month.
Consumer complaint received 2024-06-03
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX  : TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
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)

This is my first attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written to Transunion twice in regards to the correct spelling of my name. I also called in to Transunion for corrections. As well as correcting employer information. The information that I provided is not reflecting on my credit report.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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.

has violated my rights. Or a 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 2024-06-03
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 recently reviewed my credit report and found unverifiable, invalid, inaccurate, and questionable items. These items are not being reported 100 % accurately. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), all information on my credit report must be completely accurate. The accounts listed below are in violation of this requirement. 

I request an immediate investigation and correction of these inaccuracies. Attached are copies of all letters I have previously sent regarding this issue.
Consumer complaint received 2023-03-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc. (DC)

I keep calling carmax auto finance to discuss the balance owed and to try and bring account back in good standing. Every representative gives different amounts. Then Im told if I make a payment they arent able to provide a receipt. Ive asked Carmax to put in writing the payment agreement and sass promised they would send by email in 24hours. The next day different rep stated they are not sending letter. I ask for statements of proof of balance they refuse to send by email or let me view online or make a payment online. Only can make payment by phone through rep but no commitment from Carmax they will honor their words. Ive asked for all late fees to be removed and they still wont provide me with a statement or nothing for proof.
Consumer complaint received 2023-03-11
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: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX SS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX I need you to investigate the following account : Account # XXXX XXXX XXXX XXXX Account Name : FRONTIER Airlines World Mastercard I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit LIVE report to the address stated above. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my transunion report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft and have filed the correct paperwork according to the FCRA. The FTC report is not being field correctly and attached to my disputes. I am not getting copies of the verification process. The reps on the phone do not speak English correctly and do not do what they are supposed to do.
Consumer complaint received 2023-12-03
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. (PA)

In XXXX of XXXX I notified XXXX XXXX XXXX of a billing error. XXXX XXXX XXXX proceeded to close my account without resolving the billing error complaint and without providing proof of a complete and thorough investigation pursuant to section 15 USC 1681s-2 ( b ) of the FCRA.

Furthermore XXXX XXXX continues to report a charge off on my credit report and to the credit reporting agencies,. 
According to the IRS a charge-off is consider a certificate of indebtness which means that it is income. 
According to 15 USC 1681 ( c ) it is illegal to report a consumer 's transaction history, and must be removed. 
XXXX XXXX continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ). 
XXXX XXXX is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency without my written request and without my prior written consent 5 U.S.C. 552a ( b ). 
XXXX XXXX is violating 15 U.S. Code 1681 ( a ) by reporting inaccurate information,
Consumer complaint received 2024-06-03
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
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. (FL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

We previosuly filed a complaint with Bank of America -- case # XXXX. XXXX XXXX from the regulatory complaint dept responded. First off ... .XXXX should not be representing any executive response unit if she can not return calls. After receiving response, she did not return 3 phone message that were left for her. Awful customer service and again not a good representation of the company if she can not return phone calls. Secondly, she never addressed the credit INQUIRY on my credit report. I want the hard inquiry removed. Thirdly, when we received the response one of the letters had an address of a letter addressed to XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX. Where did this address come from? Did the perpetrator change it to that? I need answers. Also, XXXX, I told her I placed credit freezes on and she addressed it again. She is just not a good reader or responder. I would like someone else from the company to answer the original request about the INQUIRY and also the subsequent address for which I have never been associated with. 
Respectfully XXXX XXXX XXXX
Consumer complaint received 2023-12-03
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. (TN)

I submitted paperwork according to the FCRA to remove fraudulent accounts from my credit report. The FTC report and other paperwork is not being attached to my disputes properly according to the FCRA. I am not getting copies of the verification process which is a violation of the FCRA These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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