davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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)

This account was charged off on the following date ( XXXX, 2023 ) 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 immediately of the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

This is not a duplicate complaint. This is a complaint regarding their investigation process. 

I received feedback from a complaint I filed on XX/XX/year>. I specified what the lease agreement stated that I owed and the company did not address this at all. They stated what they continually claim I owe, but this is not true according to the agreement I signed. They say I owe the difference of the unpaid balance with fees and the sale proceeds, which is about {$15000.00}. 

The lease agreement very clearly states I owe the disposition fee, previous back payments, taxes, fees, and the termination fee ( the difference between the adjusted lease balance and the wholesale Fair market value ), which is about {$3000.00}. 

If anybody took a moment to read the contract, that they even attached to their response, they would see what I owe, so it's obvious that no investigation was done. What is their investigation process and where is their proof that I owe {$15000.00} besides them just saying that I do? They have a history of taking advantage of their clients. They should have to prove their findings of the investigation. 

I deserve a fair, unbiased investigation and for my credit report to be corrected.
Consumer complaint received 2024-06-06
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)

I recently looked at my credit report, which made me quite depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are included below.
Consumer complaint received 2024-06-06
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. (MD)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-06
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. (DE)

To Whom it May Concern This complaint is regarding account : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit report including TransUnion from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-06-06
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. (WI)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-06
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)

Transaction history is excluded from a consumer report the IRS has accepted form 1099 c reporting account XXXX XXXX XXXX XXXX XXXX XXXX as financial gain. 
Please cease the reporting and update the balance to {$0.00} or delete this account.
Consumer complaint received 2024-06-06
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 utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, a document was sent to XXXX XXXX XXXX XXXX, XXXX, Florida ( as shown in the attached document ), concerning a debt from CitiBank through XXXX and XXXX, XXXX. Yet, I wasn't living at that address at the time. Consequently, I missed the court date by phone, which I was unaware of, and a judgment was made against me. My current address could have been easily obtained from public sources, and I could have been adequately served. On XX/XX/XXXX, a Writ of Garnishment was issued, and my wages were garnished while I was working at Citibank. I contacted attorney XXXX and informed them that my rights were violated because I wasn't given notice to defend against the garnishment of wages and other property at the time of the writ, as required by law. As a result, the garnishment was lifted, and my funds were returned. The process should have stopped at that point because XXXX and XXXX did not follow proper due course. I have claimed exemptions over their attempts for the last XXXX years, as I have a XXXXXXXX XXXX son who is currently in treatment and is not employed, and I provide all his support along with after-market health insurance. Additionally, I have recently received interrogatories in aid of execution, and I am unable to comply due to undue burdens, as I am XXXX XXXX XXXX XXXX XXXX. Since XXXX and XXXX, XXXX. did not follow the proper legal procedure in XXXX, I consider anything after that harassment. Additionally, since they represent Citibank, I will also contact Citibank. Please see the attached document outlining the ongoing issue since XXXX.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

Subject : Request for Reconsideration of Business Account Application Dear Navy Federal Business Services Team, My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXX XXXX XXXX XXXX. I recently applied for a business account with Navy Federal, but my application was denied due to my DBA, XXXX XXXX, which is an affiliate DIY credit repair platform. I would like to address this decision and request reconsideration. 

XXXX XXXX operates solely as an educational platform. It does not handle any individual 's credit or offer credit repair services. I explained this in my application, yet the account was still denied. In my commitment to resolving this issue, I even offered to close the DBA, but I was informed that this would not change the outcome of my application. 

I believe that this decision may have been made in error based on a misunderstanding of the nature of my business. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, and the Credit Repair Organizations Act ( CROA ), 15 U.S.C. 1679-1679j, XXXX XXXX adheres strictly to the guidelines provided. The platform is designed to educate individuals on financial literacy and credit management without engaging in any activities that would classify it as a credit repair organization. 

Furthermore, I am aware that under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, and its implementing Regulation B, financial institutions are prohibited from discriminating against applicants based on the nature of their business, provided it operates within legal parameters. My business, XXXX XXXX XXXX XXXX XXXX XXXX, and its affiliate, XXXX XXXX, fully comply with these regulations. 

I have a strong preference for Navy Federal due to your reputation and the positive experiences Ive had with your services. As a small business owner, having a reliable financial partner is crucial, and I believe Navy Federal is the ideal choice for XXXX XXXX XXXX XXXX XXXX XXXX. 

I am kindly asking if you could review my application again, considering the clarifications provided. If there are any additional steps or information required from my end to facilitate this process, please let me know. I genuinely hope to establish a business account with Navy Federal and would appreciate your assistance in making this possible. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-06-06
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)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2024-06-06
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. (IL)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (OK)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # NA has violated my rights. 

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

15 U.S.C. 1681 Section 604 A section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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 and 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 to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-06
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. (LA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DIRECMANAGEMENT, INC. (AL)

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that DIREC MGMT is alleging that I owed an amount of {$1400.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and DIREC MGMT has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and DIREC MGMT failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Consumer complaint received 2024-06-06
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)

Transunion, XXXX, and XXXX is reporting unauthorized inquiries, collections, late payments, names, addresses, and phone numbers on my credit profile. I am a victim of identity theft from multiple people stealing my information. I have reached out to these credit bureaus numerous of times and havent gotten a response. They only update the accounts as meeting FCRA requirements without doing the proper investigations. The XXXX XXXX  XXXX XXXX , XXXX XXXX police department, and XXXX police department are all aware of the fraud that has been committed against me and also have fraud reports from me. Also the supervisor at the social security office in XXXX Texas informed me that someone has been using my social to work in Wisconsin and I have never lived there before. I have also reported this to the FTC office. I am disputing all collections, late payments, and inquiries from XXXX, XXXX, and transunion. Also I should only have one name, one address, and one phone number on my credit profile according to the FCRA. The fraudulent information on my credit report is very detrimental to my character and has caused me not to be able to obtain credit. I am going to attach a copy of my FTC report on this complaint
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. 
XXXX Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible.
Consumer complaint received 2024-06-07
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)

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

Account Name : XXXX XXXX Account Number:XXXX Account Name : DEPTEDXXXX Account XXXX 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 2024-06-06
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. (MD)

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 2024-06-06
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 urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.