davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
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)

The following inquiries are unauthorized : XXXXXXXX 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 XXXXXX/XX/XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-06
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-19
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. (TX)

XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have an active fraud alert on my credit report that requires creditors to contact me before inquiring about credit applications and before issuing any credit products. I was not contacted by any of these companies on the dates listed about any credit application nor did I approve any credit inquiries or applications on these dates and do not recognize the inquiries listed.
Consumer complaint received 2024-05-19
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)

Soon checking the accuracy of my credit report I noticed XXXX XXXX Inquiry : XX/XX/year>, and XXXX XXXX Inquiry : XXXX. XXXX, 2024 are inquiries not by my doing I did not apply or authorize nobody to apply on my behalf!
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-19
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)

Transunion File # : XXXX, Transunion is still reporting my transactions & experience with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Transaction is in clear violation of 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nation star indicated that tbey would automatically modify my second lien loan after my first lien was done. That was back in XXXX. Every month I am told it is in process. Finally in XXXX I recieved loan documents indicating what my new payment would be starting in XXXX. I returned them signed and have yet to receive any additional information. In XXXX I called to make the payment and was told my loan was in default when I was transferred to the modification program they told me it was just taking longer to get documents proceeded but all was good and to send in a payment in the new amount the next week. It is now ebs of XXXX and I am getting certified letters that I am in default. I paid the new payment amount in XXXX and XXXX. I just want them to resolve this mess as they are reporting me to credit bureau.
Consumer complaint received 2024-05-19
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)

On XX/XX/year>, I received my Transunion consumer report File # XXXX and it's still not addressing the violations. I DID NOT made a request for verifying or validating of any debt. My request is that Transunion still reporting my transactions & experiences with XXXX. I am requesting for 3rd time to have the transaction & experience remove according Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is against XXXX XXXX XXXX. I have no contract with this XXXX XXXX debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA/ FDCPA if this account isn't removed/ deleted from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with XXXX XXXX XXXX delete this from my consumer reports. I am also questioning the account balance lIsted that I owe on my consumer report shows a balance of {$400.00} how did you verify this amount? please provide your method of verification under the FDCPA. ALSO why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence? You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account by the name of XXXX XXXX XXXX? Why is the date opened being reported as XX/XX/XXXX? Why don't you have any payment history for the months of XX/XX/XXXX? XX/XX/XXXX? XX/XX/XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$400.00} past due ''? I have never opened an account with XXXX XXXX XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with XXXX XXXX XXXX and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE REMOVE IMMEDIATELY and send me an update under the FCRA and FCDPA regulations
Consumer complaint received 2024-05-18
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (TX)

Citi 's collection tactics have severely damaged my reputation at home and are causing me to go into XXXX. From XX/XX/23 to XX/XX/23, I counted nineteen total times they called me to collect one of my past-due credit cards. For another Citi card ( Citi Besy buy card ), I counted twelve times they called. This is a clear violation of the 7 in 7 rule the CFPB has in place for contacting consumers. I feel they are treating me unfair and feel harassed. I am extremely upset about their voice message, they are not limited content messages. The message indicates I should log in to check my account 's status. This was read by my XXXX daughter. She went into a XXXX after reading this message and suffered XXXX about the household not doing well financially. This has ruined my reputation at home. The voicemail does not say specifically to log in to make a payment but says to check my account status which implies my account is behind. Many years of perfect payments with Citi and it is sad to see such aggressive collection tactics to one of their long-time members.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  is refusing to update my current balance owed on the card which is stopping me from being able to qualify for a personal loan for a major XXXX that i need, Account # XXXX Balance shown is inaccurate {$910.00} and the correct balance is {$160.00} Because of this high balance I am unable to obtain a personal loan for my medical issues.
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (GA)

All three credit beurea XXXX, equifax, XXXX  are not updating my credit profile they are making sure that incorrect inquiries, education loans, false information on my credit report its been years of this and they have yet to correct it and my credit score is not going up and i really am frustrated and treated unfairly please help me get this corrected My XXXX loan is not negative I nolonger have to pay it back and they refuse to check my education loan status and correct the information i should have no inquiries on no credit report
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

I've applied for two separate refi mortgages in the past year. Both times, after the company I am working with runs my credit, I am bombarded by phone calls ( over 100 ) from other mortgage companies with high pressure salesmen trying to get me to use them instead. I can not see how it is legal or fair for credit bureaus to share with other lenders that my credit has been pulled for a mortgage inquiry. This should be changed and the practice should be stopped immediately. 

I also do not know which agencies are doing this, as I as the consumer do not know which company the lender is using.
Consumer complaint received 2024-05-18
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)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 


XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (TN)

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 Balance : {$31000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$3600.00}
Consumer complaint received 2024-05-18
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)

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with XXXX XXXX XXXX the account number XXXX. 

The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ]. According to my records, the accurate date of last payment is [ Correct Date ].

6. Payment History : The payment history across all three major credit bureaus is incorrect.

7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681c ( a ) ( 4 ), charge-offs must be reported accurately and should not appear on my credit report beyond seven years from the date of the charge-off. Moreover, listing multiple charge-offs on my credit report can improperly extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft.

I request that you conduct a thorough review of the disputed information and delete these inaccuracies. Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly.

Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a loan with lending club I was put in a hardship program I made the payments like I was told to and the day i made a payment it processed on the day after it was due. They decided to delete my hardship and then proceeded to say i was over XXXX  days late. I made all payments on time. I have paid them all payments they are still reporting that I am late. I tried to talk with them they hang up on me I have not been able to resolve this issue with them nobody at lending club will even speak to you about the situation. I have made all my payments on time, and I have never missed XXXX payment with them.
Consumer complaint received 2024-05-18
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)

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (MI)

Checking my XXXX and XXXX credit reports today, I saw a collection from " Vance and Huffman LLC '' that was placed on my credit report on XX/XX/year> according to their own listed information. I have saved screenshots to prove this. Not only do I not have any knowledge of this alleged debt, but I have never received the initial notice REQUIRED under the FDCPA under 15 U.S. Code 1692g. Companies are REQUIRED to send notice within XXXX  days of initial contact and this has been on my credit report according the collector since XX/XX/XXXX. I have checked all my email categories and I've lived at the same address for almost XXXX  years so there's no issues with postal mail. This has caused XXXX XXXX and difficulties with employment. I had no way to seek validation of the debt nor even any notice of this alleged debt. I went through all XXXX complaints on the database against this company and see that this is their standard mode of business. I am shocked and feel deceived by this company. I am aware I can file a lawsuit and seek not only attorney fees, but also non-economic damages according to many courts and even punitive damages. This needs to be removed from my credit immediately. Such activity is contrary to federal law and abuses consumers who are trying to rebuild their lives. Please sanction this company who continues to do this to unknowing consumers as is evidenced by the countless complaints against this company on the CFPB database.