davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear TransUnion Dispute Department , I am writing to formally dispute the following unauthorized inquiries listed on my credit report. According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report under certain permissible purposes. Upon review of my credit report, I found several inquiries that I do not recognize and did not authorize. These inquiries violate the Fair Credit Reporting Act ( FCRA ) as they do not meet the criteria for permissible purposes outlined in the law.

The inquiries in question are as follows : Regular Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Review Inquiries : TRANSUNION 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  TRANSUNION XXXX IN XXXX via XXXX XXXX via TRANSUNION XXXX XXXX via TRANSUNION XXXX XXXX XXXX via TRANSUNION XXXX XXXX via 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX According to 15 U.S.C. 1681b ( c ) and 16 C.F.R. Part 602, permissible purposes for obtaining a consumer report are strictly limited to specific situations such as credit transactions, employment purposes, underwriting of insurance, and other legitimate business needs in connection with a business transaction that is initiated by the consumer. The listed inquiries do not meet any of these permissible purposes.

I request that you take the following actions immediately : I appreciate your prompt attention to this matter and look forward to your response.

Best
Consumer complaint received 2024-06-17
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)

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.

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 informationisinaccurate.
Consumer complaint received 2024-05-16
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. JUST NEED THIS REMOVED BEST WAY POSSIBLE XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. Please take a look at the following accounts and have them removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of my credit report with this complaint for your reference.
Consumer complaint received 2023-12-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (NY)

Several years, I trusted this person to pay my TD bank credit card bills and now TD bank wants me to pay the {$12000.00} dollars and I am not paying for that. XXXX XXXX says I have to pay the {$3.00}, XXXX because I trusted this person. I am so tired of getting the calls.
Consumer complaint received 2024-07-08
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. (GA)

I have recently received my credit reports and I am writing this letter to dispute the following accounts : XXXX XXXX XXXX, Account Number # XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( XXXX XXXX ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company Experian are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Consumer complaint received 2023-08-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Formal Appeal Notification your request has been denied. 

Carrington Mortgage encouraged me to contact you.

First, Carrington Mortgage attempts to defraud a retired veterans with service connected mental health issues with deceptive practices. it was proven. I still have that illegal contract. I reported Carrington to to the CFPB, the XXXX XXXX, the Florida XXXX XXXX, HUD, numerous agencies and attorneys. 

Carrington Mortgage was enforced to comply with XXXX and XXXX XXXX. Unlike the first illegal contract. It took over a year to complete a contract that I agreed upon with VA support/Promissory Note. I signed it. However, Florida XXXX XXXX dictates that both spouse 's MUST sign the contract. My wife filed for divorce only days after I received that contract. My spouse doesn't want to sign a quit claim deed. She wants to liquidate the house according to her petition for divorce. 

Carrington Mortgage negated that contract after I pleaded and made a payment in good faith. I submitted numbers applications with my final statements. Only XXXX were approved using the same financial statements. I was not employed and in all those applications, I submitted my retirement and XXXX. The second contract was approved with my pay had never changed. 

Notwithstanding the current market, inflation and soaring percentage rates, now Carrington Mortgage can come with a new legal way to XXXX me out of my home. This is literally about my first home I have sworn to keep, not to sell or liquidate. I bought it for {$250000.00} the market price is nearly {$500000.00}. It's a great profit to ensure a veterans with XXXX, that suppose to be protected under the XXXX goes homeless. That is the bottom line. 

Therefore, you XXXX me, I XXXX you back. 
HUD, the VA, Florida XXXX court and XXXX 's concerned with get this grievance. 

After all I been through to protect this sorry XXXX country, this is it for me. When I finally realized that I have lost this battle to domestic terrorism, I AM GOING TO DOUSE XXXX Shady XXXX XXXX, XXXX, FL XXXX WITH GASOLINE AND BURN THIS XXXX DOWN. 

Carrington Mortgage has heard my recorded conversations. I have been declared INCOMPETENT with anti-social disorders by the VA, It doesn't matter to me if I get away with it or not. Spare me the legalities of the crime committed. 

I really don't give a XXXX. Don't call me, I will not answer. XXXX you.
Consumer complaint received 2024-06-17
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. (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.

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 informationisinaccurate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I opened my credit card on XX/XX/XXXX, on that day they charged me a yearly fee of {$39.00}. I made my first payment on XX/XX/XXXX however they somehow had my moms bank information previously on file and I believed it was mine because we use the same bank. My mom returned the payment on XX/XX/XXXX and I corrected it to credit from my account on XX/XX/XXXX. They were able to successfully pull my payment on the XXXX. Then on XX/XX/XXXX they attempted to pull a payment for XXXX however I used the app to cancel this prior to the first. Although I was opted into overdraft protection through my bank. My bank did not authorize this payment to go through and returned the payment. Then on the XXXX I had a payment set for XXXX . And my bank once again returned the payment. I went in and spoke to my bank and asked them for a letter to send to capital one that stated I was opted into overdraft protection and they refused to make the payment on my behalf. Because of this I was charged a late fee on my credit card. I paid the entire card balance on the XXXX and this did go through since I spoke to my bank. However on the XXXX capital one decided to close my account. I spoke to them and they said it was because of the returned payments which I had told them it was the fault of my bank XXXX XXXX XXXX XXXX. They continued to tell me that they cant do anything for me and that I had to wait until XX/XX/XXXX to appeal their decision. I have since been refunded XXXX XXXX $ fees for the mistake of the bank and they have described it as an error on my statement as I was opted into overdraft privilege on XX/XX/XXXX.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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 2024-06-16
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: Experian Information Solutions Inc. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-18
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. (DC)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-18
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. (NY)

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.

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 2022-10-17
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. (SC)

I never open a XXXX  account. I contacted the creditor by mail and by email in XXXX and XXXX. Again recently in XXXX. I have contacted transunion no response. I would like for the information to be removed before exploring other remedies to bring legal action. This account was open during the XXXX security breach.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've consistently ensured that payments on this account are timely, avoiding any overdue payments. However, I'm confused by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I received a letter from XXXX XXXX after applying for a credit card that stated they couldn't verify my identify. After going to XXXX XXXX in person and producing my Texas Drivers license and my XXXX XXXX XXXX XXXX to a certified banker he stated there was different personal information on the credit report with Experian. I immediately returned home and received a free copy of my credit report from Experian. After reviewing my credit report I found several items had been changed from my previous credit reports with Experian. ( Address, Phone Number, Social Security Number ) Experian is located in State of Texas where they have shown harassment and discrimination of XXXXXX/XX/XXXXAmericans causing them credit issues. This needs to be address immediately. If you check under the screen name XXXX you will see I have had previous issues with Experian. Also I have saved my credit reports and it shows my information being correct and now I have a wrong social security number at 64 years of age. THIS NEEDS TO BE INVESTIGATRED BY THE GOVRNMENT TO STOP THISXX/XX/XXXX IN XXXX TEXAS.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.