davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Formal Dispute of Debt Collection Entry on Credit Report To Whom It May Concern, I am writing to formally dispute the debt collection entry on my credit report, which is being reported by XXXX XXXX XXXX. The account number associated with this debt is XXXX On XX/XX/year>, I sent a pre-arbitration demand letter to XXXX XXXX XXXX, addressing several violations they have committed under the Fair Debt Collection Practices Act ( FDCPA ). The letter outlined the following violations : 1. List Violation 1 failure to notify certified mail 2. List Violation 2 XXXX XXXX The letter was sent via certified mail with tracking number [ XXXX ], and I have attached the green return receipt slip, which confirms delivery on Date XX/XX/year>. Despite receiving the letter, XXXX XXXX XXXX has failed to respond within the legally required time frame. 

Given this lack of response, I am disputing the accuracy and validity of the debt collection entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are responsible for ensuring that the information they report is accurate. Continuing to report this debt, without proper validation, makes your organization potentially liable for arbitration alongside the debt collector. Each violation is XXXX. 

I request that you conduct a thorough investigation into this matter and remove the disputed entry from my credit report. Please provide me with written confirmation of the actions you have taken to resolve this issue within 30 days without E-Oscar system. This while be third round of dispute and Im keeping all records proof that I tried to resolve issue several times.

Attached to this letter are copies of the following documents for your reference : 1. The pre-arbitration demand letter sent to the debt collector.

2. The green return receipt slip with the tracking number and delivery confirmation.

3. A copy of my credit report showing the disputed entry. 

I trust that you will handle this dispute with the urgency and diligence it requires. Should you need further information or documentation, please contact me at the details provided above. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (SC)

I ahave asked the bureau to removed inaccurate information from my credit report that includes personal information, accounts and collections. I have asked bureau to produce original contract with signature stating that I guaranteed to pay debt or collection and they have not provided that to me. 

XXXX XXXX  : {$25.00} ( fraudulent, not mine ) - XXXX : {$9800.00} ( fraudulent, not mine ) XXXX XXXX XXXX  {$6600.00} ( Fraudulent ) - XXXX XXXX {$9800.00} ( Fraudulent ) XXXX XXXX  : {$930.00} ( Fraudulent ) - XXXX XXXX XXXX {$10000.00} ( Fraudulent ) All inquiries are not attached to no account, please delete. 

Personal information is inaccurate, old addresses need to be deleted b/c of attachment to identity theft/fraud
Consumer complaint received 2024-08-06
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. (NY)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized
by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2024-05-30
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. (NV)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-30
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. (LA)

This account was supposed to be removed from my credit report. XXXX XXXX XXXX sold this account to a collection agency, and XXXX XXXX XXXX keeps verifying this account that they don't have any more.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Consumer complaint received 2024-08-06
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. (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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} In good standing with TRANSUNION XXXX XXXX LATE PAYMENT ( XXXX ) Balance {$0.00} Balance updated XX/XX/XXXX This should be updated to reflect in good standing across all credit Bureaus XXXX XXXX XXXX XXXX I also have contacted them many times about removing my membership they continue to ignore my requests and continue reporting incorrectly. Putting my credit score in peril without my consent. 






XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/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 Inquiry date XX/XX/XXXX NEXT Complaint : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXXXXXX XXXX XXXX XXXX- I did not authorize this Inquiry. I did not give them a permissible purpose. Please remove from my credit report with Trans Union Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX / Account number XXXX
Consumer complaint received 2024-05-31
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. (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 Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion keeps sending me documentation stating they can not verify my address. Every time i send in a dispute the XXXX XXXX  with this address request which has nothing to do with my dispute. I have attached XXXX different bank statements with copies of my ID. The show my current and only address that should be on file.
Consumer complaint received 2024-05-31
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 am checking on the status of Complaint ID : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sent a letter back stating that the late payment reporting in XX/XX/XXXX would be removed from my credit report within XXXX days. This was back in XX/XX/XXXX, and we are now going into XX/XX/XXXX. Furthermore, your company is in violation of reinserting this late payment back on my credit report which is a violation. Please see the attached response letter from the XXXX XXXX and remove the late payment reporting in XX/XX/XXXX. I will be filing a lawsuit against your company if this account is not removed in 7 days.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 60 days and I have not received a response yet.I feel like I am being blatantly ignored by the bureau. Section 611 ( a ) of the FCRA says that a failure to investigate these items within 30 days is a sufficient reason to remove to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted or I will file for litigation due to the emotional stress you have caused. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-30
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. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-05-31
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)

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX and 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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX Account number XXXX
Consumer complaint received 2016-09-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My mortgage was sold to Nation Star by XXXX Mortgage. I was in the process of paying my mortgage off as the sale of my loan took place. The payoff was received by Nation Star on XXXX XXXX. Since then I have been trying to finalize the paperwork with Nation Star. According to Nation Star my name is not correct in their system. My husband 's is. I have been told twice that I need to fax a copy of my Social Security card to them in order for them to correct my name. I have declined to fax my Social Security card to them. I have been advised by a consumer agency not to do that, but I am willing to send my Driver 's License, the copy of the Deed from the Courthouse, bills, etc to prove the spelling of my name. Today, XXXX XXXX, 2016, I asked them to look at the records that they have, including the Security Deed, to see if my name was correct on the paperwork associated with the loan, and use that as verification of the correct spelling. While on the phone with Nation Star representative today, she told me that is was Nation Star 's policy to hold onto a lien as long as possible, that she did not have a copy of the Security deed and that I would have to send a copy of my Social Security card to have my name corrected. XXXX Mortgage had my loan for several years before selling to Nation Star and I never had a problem with my name being spelled incorrectly. I want the deed to be sent to XXXX XXXX courthouse, with my name spelled correctly so I can be done with this institution once and for all. 
I am also concerned with the fact that their recordings and statements that they read off states that they are a " debt collector and that the information collected during the recorded phone call will be used to collect a debt. '' I thought XXXX Mortgage sold my loan to another mortgage company, not a debt collection agency. The sheer amount of complaints about Nation Star Mortgage 's less than ethical behavior concerns me and should be an indicator that there are major issues in their business practices. 

Thank you.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please ensure removal of XXXX XXXX. Attempted to get information on exact charges on card and never received any information. Disputing charges cuz I believe charges were made by my ex-wife prior to divorce these charges were not authorized by me please investigate and remove account from my credit report because they were incurred without my consent.