davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (MO)

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request.

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.

Your immediate attention to this matter is expected and appreciated.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (MO)

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 
3. Do not sell or transfer this debt to any other third party. 
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Consumer complaint received 2024-06-03
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)

D

ear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations. Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX, and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DISCOVER BANK (GA)

I started a application with Discovery Home Loan on or about XXXX for a home loan for home improvements. All my personal data along with my wife personal data was retrieved by several Agents that wrongfully submitted application after application. This was a systemic XXXX process to deny my application when I was approved, but when these other applications being submitted without my acknowledgment caused my initial approved application to become voided. Several agents in several states maliciously with knowing information intent to discredit and deny my loan application. I have several names and documents to support my allegations. This type of systemic discrimination and bureaucratic racism is long over-due as to being CORRECTED...
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Remove late fee and charge offs on my credit reports that were not supposed to be reported from XXXX, due to the hardship of the pandemic. 

I found late payments from my credit card that were reported to all 3 bureaus. 
XXXXXXXX XXXX XXXX XXXXXXXX ; Charge off : XXXX XXXX : XXXX ; Charge off : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; Charge off : XXXXXXXX XXXX XXXXXXXX : XXXX ; Charge off : XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2024-03-19
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. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2024-06-26
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. (FL)

I was looking at my report and noticed that there were some things that is not correct. I sent a letter to Transunion on XX/XX/year>. Here is my tracking number. ( Compliant ID ) XXXX. It has been more than 30 days since the credit bureaus haven't responded. This is a violation of USC 1681i ( a ) ( 1 ) ( A ) Under USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item or information contained in a consumers file at a consumer 's reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, the agency shall, free of charge, conduct a reasonable reinvestigation to whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2023-09-13
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (MD)

During the XXXX XXXX I was the victim of identity theft as were many of us. Needless to say I began reaching out via phone and XXXX Mail to XXXX, EXPERIAN, and XXXX. Despite my efforts to protect my identity and my non-public personal information the aforementioned agencies not only allowed my information to be used, misused, and abused but after I reached out there were still a staggering amount of inquiries added to my credit report at an alarming rate and attack the accuracy as I humbly requested they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i
Consumer complaint received 2023-09-19
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. (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 XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (MO)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-10-27
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. (NY)

Please be advised that this is my ONE OF MY NUMEROUS REQUEST for you to remove incorrect and inaccurate information from my personal credit report. I received no response to my most recent complaint dated XX/XX/2023. It is my understanding of the law that you must complete any request for reinvestigation within a thirty day time frame. It has been well over 30 days! I have included a copy of my original letter for your records as well as mine and also I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Please take immediate action to rectify these issues. The following information needs to be investigated as soon as possible : XXXX XXXX XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

On XX/XX/2023 we submitted a complaint on stated company complaint # XXXX. Stating company Americollect , Inc. Was using XXXX of law to publicize and furnish inaccurate and private information while violating numerous consumer laws and, breach of privacy. Which acts has resulted in fraud and identity theft as described in 15 usc 1681 ( a ) q. Using extortionate means to collect on debts not owed which is a crime. The attached statements and affidavits submitted in previous complaints clearly show Americollect inc. Committing these crimes. As in their respose in complaint # XXXX they have falsely given a statement under penalty of perjury. In the attachment. We demanded stated company to cease communication and not contact us regarding any more debts and they continued to do so creating a false belief that we owed them anything. Which will be added in the attachement section of this complaint. We also stated company to pay invoice after failing to provide us with documentation showing they acted with lawful authority when it obtained and shared my information to consuner reporting agencies and in their cfpb response they still failed to do so. In their cfpb response they stated after investigating and attempting to contact the alleged client ( assuming this is the alleged creditor ) and that they coded the claim as fraud in their system. However the proper investigation was not done. We will be submitting the identity theft report in this attachment as well. Please refer to previous report # XXXX for the attachments showijg they have collected money and created a false belief while using extortionate means to collect debts not owed. these documents again along with supporting documents showing they have continously lied and avoided addressing the matter.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

XX/XX/XXXX  My loan with XXXX XXXX was transferred to Mr Cooper. I only know this because I got a letter from XXXX XXXX. No contact from Mr Cooper. 

I was able to use the Mr Cooper website to get my new loan number. 

XX/XX/XXXX  I then made a payment using my bank 's bill pay, but it was returned the next day XX/XX/XXXX  Tried calling Mr Cooper, but their phone system says my new loan number is invalid, there is no option to proceed without a loan number they think is valid. Note from above the loan number I'm using is the ONE THEY PROVIDE when I input my XXXX XXXX Loan number and SSN. 

Also tried their website live chat, it just says it's too busy to assist me with a real person. 

The website says my account won't be ready for online use until XX/XX/, but the mortgage payment is due today, XX/XX/. 

How can they take over the mortgage, and then not provide a way to make the payment before it is due? And no way to talk to a real person? That makes no sense.
Consumer complaint received 2023-09-19
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. 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.