davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX Transunion XXXX XXXX RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Transunion that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX filed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reference number XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does Transunion allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that Transunion PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Transunion is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX  Account Number XXXX THIS ACCOUNT HAS BEEN CLOSED SINCE 2019, WAS PAID IN FULL AND I ASKED TO CANCEL THE ACCOUNT BEFORE LATE PAYMENTS HAVE WOULD BE PLACED. THIS NOT A CREDIT BASED IT WAS A SAVING CD CREDIT BUILDER ACCOUINT. THEY RECIVED ALL PAYMENTS AND REFUNDED MY TOTAL DEPOSIT. BUT LEFT 3 LATE PAYMENTS. THIS IS A VIOLATIUION OF 15 U.S. Code 1681i I NO LONGER OWN THIS ACCOUNT AND DID MAKE LATE PAYMENTS, PLEASE HAVE THIS ACCOUNT REMOVED AS IT IS HOLDING ME BACK FROM BE ABLE TO GET A AUTO LOAN AND I REALLY NEED MY CREDIT AT THE MOMENT. 

THE ACCOUNTS REPORTS 3 DIFFRENT LAST USED DATE WHICH ARE ALL FALSE AND VIOLATION OF 15 U.S. Code 1681i PLEASE REVIEW THE DETAILS ON THE CREDIT REPORT ATTACHED AND OTHER DOCUMENTS TO SUPPORT PROOF OF THIS THEY CONTINUE TO UPDATE THE DETAILS INCORRECT ALSO WITH WRONG STATUS AND DATES DIFFRENT ACROSS ALL 3 COMPANIES ANOTHER VIOLATION OF MY RIGHTS
Consumer complaint received 2024-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have always ensured that payments on this account are made promptly, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-01-24
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. (NJ)

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX All inquiried on my credit report improperly. I have a credit fraud alert on my account that is very informational on how to verify my identity, call me before hand in order to pull my report. they did not follow the instructions and pulled anyhow.
Consumer complaint received 2024-05-08
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 ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.
Consumer complaint received 2024-01-24
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. (OH)

The Family Educational Rights and Privacy Act of 1974 ( FERPA ), otherwise known as the Buckley Amendment, was passed to protect the privacy of students ' educational records. It gives parents and students who are 18 years and older the right to access their records. It also requires that parents or eligible students give permission before their information is released to a third party, except in special circumstances like transferring schools or a health emergency. My current student loan servicer XXXX XXXX and the Department of Education, is in violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) because they have been reporting my loan information to third parties. This information is to be removed from my consumer credit reports effective immediately.
Consumer complaint received 2024-05-08
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
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: ENCORE CAPITAL GROUP INC. (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (GA)

I pulled my credit report from XXXX and an unauthorized collection account from CONSUMER ADJUSTMENT CO, on behalf of XXXX XXXX XXXX XXXX, reporting in the amount of {$1200.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Consumer complaint received 2024-06-14
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. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (TX)

Mariner Finance is reporting a charged off loan as as a delinquent account monthly. Im a 100 % XXXX veteran and am no longer a resident of Virginia where the loan was issued. This is a loan from 2017 and theyre still reporting each month incorrectly. Ive challenged the info with the credit bureaus and they arent responding with accurate data.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-08
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)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-01-24
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. (KY)

XXXX XXXX XXXX XXXX XXXX I HAVE Nothing to do with this account and I request for it to be removed and my credit score fixed and updated. 

Account number XXXX Amount {$1800.00}
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

NationStar billed me wrong for over a year and when they realized their mistake they sent me a monthly statement of XXXX, XXXX due in 30 days. I have tried everything possible to have them correct their mistake but they completely ignored me. I hired a lawyer which he just gave up after he mailed certified letters to NationStar but of course he was also ignored. I was advised that the only option I have is to take the mortgage company to the federal court. NationStar is also charging me miscellaneous fees like pay by phone, late fees, which I have never paid by phone or being late one time in over 10 years. As of today they are charging me every single month over {$300.00} in miscellaneous fees. Please help me I do n't want to lose my small apartment.
Consumer complaint received 2024-05-08
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. (LA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-08
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 information is inaccurate.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, made payment at ATM on Bank of America, XXXX XXXX, WA. Did not receive a receipt or copy of check and payment as usual. The machine also would not give check back..contacted the bank and they stated there was nothing they could do and advised us to contact Visa. After being on hold and never able to speak with a live person, we were finally given a number to call to resolve the issue. 
We did talk to a live person and the person said they would take care of it and to look for a letter in 7 to 10 days. In the interim, Visa declined our payment to other creditors because of lack of payment, NO notice was given that our account was suspended during their investigation ( keep in mind the Visa had our check somewhere in their cyber land }. 

We made a payment from our debit card and our account was unfrozen. It is now XX/XX/XXXX and the check has not cleared our bank, which begs the question, where is it? 

All in all, we are not happy with Visa. They neglected to tell us our account would be frozen until the matter was resolved. This is unreasonable after being a customer for 35 years, always paying the card off in full every month. 

If the check magically appears, we will have made two payments in the month of XXXX. 

I think the local branch should be able to open the ATM and retrieve the check. The company should make an honest effort to employ live people and not leave people on hold after speaking to a robot.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Duplicate Bankruptcy flings Entry on Credit Report Dear Sir/Madam , I am writing to dispute a duplicate bankruptcy entry that appears on my credit report. Upon reviewing my credit report, I noticed that there are two instances of the same bankruptcy filing listed, which is inaccurate and misleading. I respectfully request that you investigate this matter and remove the duplicate entry from my credit report. 

Below are the details of the duplicate bankruptcy entry : Creditor Name : us bk ctXXXX XXXX XXXX Account Number : XXXX and XXXXXXXX XXXX  Date of Bankruptcy Filing : XXXX and XXXX Court Name : us bk ctXXXX XXXX XXXX I believe this duplication is an error, as there should only be one bankruptcy filing associated with my credit history. I have attached supporting documentation, including a copy of the official bankruptcy discharge papers, to verify that the bankruptcy was filed only once and has been properly removed. 

I kindly request that you promptly investigate this matter and remove both duplicate entry from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-24
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 regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in this matter.
Consumer complaint received 2024-05-08
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. (MI)

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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 accurate.
Consumer complaint received 2023-05-02
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : U S DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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