davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

This complaint submission is in regards to a false credit report by TRANSWORLD SYSTEMS INC ( XXXX. XXXX XXXX XXXX, DE XXXX ). I have made attempts to rectify this matter with them directly, but they have now been unresponsive. I spoke with a few representatives by the names of XXXX XXXX, XXXX XXXX, & XXXX XXXX all who gave me different balance amounts. It took over an hour to find the alleged account belonging to me. When I spoke with Supervisor XXXX XXXX, she stated she would fax me all information regarding the alleged dept. I received a fax ; however, it was only for a settlement offer which I did not request. This led me to believe TRANSWORLD SYSTEMS INC is in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I have no obligations to which they failed to provide any evidence of. I called again and spoke with XXXX XXXX to retrieve a fax number to forward the Management Department a Debt Of Validation letter. I faxed her the documents on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after notifying them, I still haven't received a response. I respectfully asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$2100.00} ). I have never made any agreement with them or the original creditor to pay this alleged debt. I was also not properly notified of this false reported debt. I am requesting TRANSWORLD SYSTEMS INC to permanently remove my information from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, TRANSWORLD SYSTEMS INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not removed and updated immediately to all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ), I will be pursuing legal actions.
Consumer complaint received 2024-08-28
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. (OH)

I have repeatedly requested in writing that XXXX remove XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX is not listed in the XXXX XXXX XXXX as having proper certification to collect debt in the state of Ohio which voids any contracts that XXXX has in the state of Ohio prior to certification. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Your Name : XXXX XXXX XXXX XXXX. 
Your Address : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX, or TransUnion XXXX : XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY. FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681| ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX XXXX.
Consumer complaint received 2024-06-18
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. (SC)

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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-27
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. (FL)

In accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

I have sent multiples letters regarding this account with the most recent letter being XX/XX/year>.
Consumer complaint received 2024-06-19
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. (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 XXXX5 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 2021-11-06
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (PA)

I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2024-06-19
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 am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 


XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

To whom it may concern : COMMONWEALTH FINANCE with an address of XXXX XXXX XXXX XXXX, PA XXXX is trying to collect in the state of TEXAS where they legally do not have the right to do so at this time according to : Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

source : XXXX XXXX XXXX I would like to report that the 3 surety bonds they did obtain, were canceled in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and that they are currently in violation as they have been trying to collect on 3 accounts for myself since XX/XX/XXXX, ( 5 months ).

Furthermore, I would like the following accounts deleted and removed from my credit report on all 3 bureaus.

XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$360.00} XXXX XXXX XXXX - {$340.00}
Consumer complaint received 2019-07-01
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc. (CA)

XX/XX/XXXX Loan amount : {$300000.00} The property was valued at {$640000.00} First of all the assessment value was very high in fact too high for the property at the time XXXX. The true property value in XXXX was closer to {$530000.00} which is a big red flag. 

The RMS reverse mortgage solutions. broker mislead an XXXX year old veteran who is now XXXX in XXXX. RMS false representations that the loan would not have to be paid back and his heirs would be able to live in the home in fact inherit the home without any fear of penalty or interest or having to pay back the loan. Which is not true, the loan must be paid once the owner passes away. The loan amount must be paid in full or pay 95 % of the assessed value of the home. The broker made the reverse mortgage sound very appealing adding there is no risk of losing your home at any time. Which is not true, if you default on the terms of the mortgage such as maintaining property tax, homeowners insurance and maintenance of the property you may lose your home. It will be very difficult nearly impossible to repay the loan in full to retain ownership which will result in having to sell the property to pay the entire loan amount. My elderly father was mislead with RMS false representations. He is now faced with his heirs not inheriting his home as he was reassured that would be possible. His wish was for his home to be an inheritance. Which regrettably is no longer a possibility. I hope this post may help others ...
Consumer complaint received 2024-06-19
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. (MA)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.
Consumer complaint received 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (CA)

Shady business practices to start. On XX/XX/XXXX  I purchased a cheap sofa and 3 mattresses from a little shop in XXXX XXXX Ca. The shop owner advised he could finance the entire amount and all he would need is {$50.00} down. I was unaware that he was putting me in not 1 but 2 very high interest loans. He did explained it was for a 12 month period but he never said how much the payment would be. He pretends to be soft spoken and kind but he is a hustler and the worst kind, he prays on the poor. He creates an environment of chaos, acting confused and flustered stating he was late for church and continually looking at his phone. He also had multiple customer purchases going on while he was inputting my information making it difficult to ask any questions. One of the loans he put me in for {$1200.00} has a {$230.00} with an ending repayment of {$2800.00} after 12 months and the other one is for {$1000.00} with a monthly payment of {$140.00} and ending repayment of {$1700.00}. Ive already made 4 payments on each loan and this is just crazy. That I cant afford to keep paying on these loans
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2019-07-01
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: Experian Information Solutions Inc. (NV)

I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap..GENERAL REV ( Original Creditor : 07 XXXX XXXX XXXX 2 ) XXXX
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GLOBAL CREDIT UNION (CA)

Inaccurate credit report I demand off my credit report or Ill sue By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-06-19
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. (KY)

My rights are being violated by improper use of my consumer report. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-19
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. (MD)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2019-07-01
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. (NV)

Credit Bureaus report this account XXXX XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this ASAP..
Consumer complaint received 2024-06-19
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. (FL)

I am a victim of identity theft and I need this fraudulent account removed from my credit reports. The account in question is a XXXX XXXX - XXXX, which was opened on XX/XX/XXXX. This is not mine. While I do have an open account with them, this specific account is not mine. 

I have never been late with any of my payments on any of my accounts. You can check my credit profiles, and you'll see that I have a good payment history. It is absurd to me that my credit is suffering because someone stole my information. Please help me resolve this issue and remove the late payment record on my actual open account with them - XXXX XXXX  - XXXX - XX/XX/XXXX. 

I initially reported this to XXXX and they responded to me on XX/XX/XXXX that they can't help me with it. 

I attached here my credit report, FTC report, ID and proof of address.