davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
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. (AZ)

XXXX XXXX XXXX XXXX is reporting Inaccurate information on my consumer report to XXXX, Trans Union, XXXX. 

XXXX federal is reporting Late payments which is a violation of the FCRA. 15 USC 1666b Timing of Payments- ( 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. 

Furthermore the activity date are reporting as- ( XXXX ) ( XXXX ) ( XXXX ) these are inaccurate reporting and goes against the metro XXXX guidelines
Consumer complaint received 2024-06-07
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX 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 2024-06-02
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent [ Put Creditor Name Here ] you furnished alleged transaction on my { XXXX, TransUnion, XXXX ( Chose the CRA that the late payment was furnished to } that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XXXX XXXX XXXX _________________________________ Without Recourse UCC XXXX
Consumer complaint received 2018-05-12
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: Experian Information Solutions Inc. (NY)

The credit reporting company has stated that my account for XXXX XXXX XXXX was updated but never once has proven that the debt belongs to me with proof of my signature. They have failed numerous times to provide proof of this debt.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (AL)

I've noticed unfamiliar items on my credit report, suggesting potential identity theft as I did not authorize these accounts. This issue has been previously addressed, and I urgently request the removal of these accounts from my report. Their presence is causing significant stress, misrepresenting my true credit history and financial management. If not rectified promptly, I am prepared to seek legal recourse to safeguard my rights and seek resolution. These inaccuracies are hindering my ability to achieve crucial financial milestones such as homeownership and supporting my family. I trust this matter will be resolved expeditiously.
Consumer complaint received 2024-05-31
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXXto support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : LATE PAYMENT XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 CLOSE ACCOUNT XXXX XXXXXXXX XXXX XXXX {$630.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX, EQUIFAX, XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my six endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX  : {$3000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$860.00} 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 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

In accordance with The Fair Credit Reporting Act convergent ( XXXX ) ( XXXX & XXXX ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-01
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : 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 2024-06-01
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)

Thank you for your efforts in removing some of the erroneous entries from my credit file, but there are still items remaining that need to be addressed. This letter serves as another notification of my ongoing issues with incorrect credit reporting. I am disputing these items because they do not correspond to any transactions for goods, services, or financial dealings that I have conducted or authorized. I request the removal of any entries in my credit file that stem from these inaccurate reports : XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 ======TRANSUNION : XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00}. These items are unfamiliar to me. Furthermore, the information you have on these items has been removed by other credit bureaus, raising concerns about their accuracy. The payment history of these accounts is also unclear to me, as mandated by FCRA 605B ( c ) ( 1 ) ( C ) regarding the authority to decline or rescind.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION (PR)

Penfed credit union is false reporting to my credit reports XXXX, XXXX and XXXX that I am delinquent and is reporting false amounts that I did not owed. they are putting on my balance each missed month payment plus late fees charges to my visa credit card XXXX, XXXX for the months under declared disaster XXXX COVID 19 ( XXXX XXXX TO XX/XX/XXXX ), XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) and natural disasters and personal situation CAR ACCIDENT WITH PROPERTY LOSS DUE TO NATURAL DISASTER DISRUPTION XXXX AND XXXX. ( XXXX XXXX ). ALSO IN XX/XX/XXXX they closed my XXXX XXXX credit card XXXX without my concern, without my authorization and without previous notification and transferred the credit card balance to new visa credit card XXXX, after I used my XXXX during a trip to XXXX and because I make an claim for not service received and change location for my own safety. They continuously makes calls, sent emails, sent letters and denied me a consolidation loan for my credit cards because they said the accounts will be closed, and I applied XX/XX/XXXX because they are charging if i have a loan of {$20000.00} instead of {$10000.00} in monthly payments where I am paying the double amount for credit cards. But was not the real reason they want to let the accounts open to charged monthly payments and late fees over the credit limit and damaged my credit report, they also threatened me that my credit report will be impacted and I was not employed with FEMA and XXXX XXXX XXXX XXXX last year because the credit report, where under CARES act they banking institution and credit union institution supposed to not report that, neither told me that I am delinquent and with inaccurate delinquent amount. They closed the accounts recently when threatened me to send the accounts to debt collection agency by letter, and I can't used it since XX/XX/XXXX, they did not allowed any more charges over the credit limit of {$5000.00}. And they denied me a car accident loss property replacement transportation auto loan against my rights to continued with a replacement transportation after my property loss in the car accident, that was not my fault, it was an attempt to my life, where the truck is completed stop in the expressway very early morning at XXXX and there no illumination in the road. They obligated me to submit a hardship application and they took the money of my account without my concern and without authorization last XX/XX/XXXX, and they tried to take the third stimulus amount received to cover credit cards missed payments under Covid19 disaster XXXX in a predatory action against me.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (PR)

i WAS VERYFYING MY CREDIT REPORTS AND NOTICED THAT THE COMPANY NAMED MOUNTAIN RUN SOLUTIONS XXXX XXXX XXXX ARE TRYINGTO COLLECT A DEBT OF 1 MONTH FOR A INACURATE AMOUNT OF {$2700.00} AND REPORTED THAT I AM DEINQUENT FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TO MY CREDIT REPORTS WHERE I AM SURVIVOROF DECLARED DISASTERS DR4493-COVI19 PANDEMIC, DR-4473- EARTHQUAKES, DR-4339-HURRICANE MARIA AND THEIR DISRUPTION CAUSED I HAVE A CAR ACCIDENTWITH PROPERTY LOSS ON XX/XX/XXXX, AND DR-4336. FOR THOSE TERMS THE DEBT SHOULD NOT BE REPROTED IT IS AGAINST MY RIGHTS AND AGAINST CARES ACT, AND FOLLOWING BILLS. THEY ARE FALSE STATEMENT AN AMOUNT THAT I DID NOT OWED, THEY DID NOT PROVIDED ME THE SAFETY THAT THEY PROMISEDWHEN THEY OFFERED ME AN SECURITY ALARM SERVICES AND THEY ALLOWED TO PERSONS EXTERNALTOMY FAMILY AND COMPLETED STRANGERS TO ME AND NOT RELATED TO ME ENTERED TO THE HOUSE AND CAUSED ME AN AGRESIONS AND ROBBERIES AND STEAL MY BELONGINGS IN XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, PR XXXX, WERE THOSE PERSONS ARE RELATED TO OTHER PERSONS THAT STALKED ME AND CAUSED ME DAMAGES AND LOSSES, AND XXXX XXXX  ME ON XX/XX/XXXX. THEY BROUGHT THIS PERSON TO THE NEXT HOUSE TO MY HOME TO XXXX XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX PR XXXX WITH THE PURPOSE TO INTIMIDATED ME TO LEAVE THE HOUSE AND THEY COULD STEAL THE HOUSE AND THE MONEY THAT I PAID THAT WAS IN MONTLHY PAYMENTS {$150000.00} AND OVER {$250000.00} IN REPAIRS AND REPLACEMENT OF STEALED AND DAMAGE PROPERTY. THEY STEALED MY RECEIPT AND FOUND THIS AND REPORTED IT, A ND CLEARLY WANT TO HARM MY CREDIT.
Consumer complaint received 2021-10-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PR)

Divorce XX/XX/2016. XX/XX/2016 ex wife took out a modification loan, used forgery with my signature and the bank never verfied information. The documents where sent to a XXXX XXXX XXXX had no access to retrieve mail as the XXXX XXXX XXXX to her daughter from another marriage. The bank never check full documents and now the bank refuses to help me with this matter. The end results I would like is the bank remove me from the account and to report the removal to the credit bureaus.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.
Consumer complaint received 2024-06-01
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)

XXXX XXXX : I'm challenging wrong reports on my credit file and investigating them. Under the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B requires reporting incorrect accounts.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks. 
Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )