davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (NM)

I am writing to formally dispute the accuracy of a charge-off reported by XXXX XXXX XXXX  XXXX on my credit report. The account in question is account number XXXX. I believe this information is inaccurate and incomplete for the following reasons : Upon reviewing my credit report, I noticed discrepancies in the reporting of the charge-off. The reported date of the charge-off, the account balance, and other related information appear to be incorrect. These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and complete. 

The balance reported by XXXX XXXX XXXX XXXX does not accurately reflect the actual amount owed. This inaccuracy may stem from incorrect calculations, fees, or interest charges that were improperly applied. I request that the account balance be thoroughly reviewed and corrected. 

I have previously requested validation of this debt from [ XXXX XXXX XXXX XXXXXXXX , but to date, I have not received adequate documentation proving that this debt is valid and that I am responsible for it. Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of any debt reported on my credit report. 

The circumstances leading to the charge-off were exceptional and involved situations beyond my control. Despite my efforts to communicate with XXXX XXXX XXXX XXXX to resolve the matter, they failed to offer any assistance or reasonable accommodation. This reflects unfair reporting practices that have unjustly impacted my credit score.

Based on the points outlined above, I request an immediate investigation into the accuracy and completeness of this charge-off entry. If the information can not be verified or is found to be incorrect, I request that it be promptly removed from my credit report. 

Please provide me with the results of your investigation in writing. If any changes are made to my credit report as a result of this dispute, I request that updated copies of my credit report be sent to me. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution and confirmation that this inaccurate entry has been addressed.
Consumer complaint received 2024-05-20
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. (GA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-08-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC. (IL)

My mother financed this vehicle and I am the co owner of this vehicle. My mother passed away and I fell behind on her payments! They came to confiscate the vehicle and I was able to pay the amount owed to get the car back! I now still make monthly payments and they are reporting this vehicle to my credit every month as a collection for the past year which is affecting my credit score!! I called and they told me they will continue to report negatively on my credit until I pay the balance of the car off!
Consumer complaint received 2023-05-16
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. (AZ)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/, XXXX XX/XX/, XXXX XXXX XXXXXXXX, XXXX XX/XX/, XXXX XXXX XXXXXX/XX/XXXX  XXXX XXXX XX/XX/XXXX  XXXX XXXX XX/XX/, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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: W&A Intermediate Co., LLC (GA)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WAKEFIELD & ASSOCIATES used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WAKEFIELD & ASSOCIATES reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-09-25
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. (PA)

I HAVE SENT NUMEROUS LETTERS TO ALL OF THESE CREDIT BUREAUS SINCE XXXX TOLD THESE PEOPLE THESE ACCOUNTS WERENT MINES NUMEROUS TIMES AND YET THE ACCOUONTS STILL REMAIN ON MY REPORTS I HAVE BEEN A VICTIM OF IDENTITY THEFT SINCE XXXX AND I RECEIVE AN IP NUMBER YEARLY TO FILE MY TAXES AS PROOF. MOST OF THESE ACCOUNTS ARE REPAT OFFENDERS OPENING CARDS WITH THE SAME COMAPNIES THEY HAVE SCAMMED BEFORE.
Consumer complaint received 2024-08-02
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. (GA)

Recently, I reviewed my credit report and noticed several inaccuracies on my account with U S DEPT OF EDXXXX. This inaccurate information is negatively impacting my ability to obtain credit. 

I am requesting that you investigate and verify the accuracy of this account information. 

Here is the item I am asking you to verify as accurate : - Account : U S DEPT OF EDXXXX - Account Number : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-20
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. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-08-26
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)

Please take a look at the attached letters and ID docs for verification that it is I 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.
Consumer complaint received 2024-08-26
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. (CT)

I believe this account has been inaccurately or unfairly reported on my credit report. Section 605B of the FCRA provides consumers the right to have information resulting from identity theft blocked from their credit reports, preventing it from causing further harm. 

date opened : XX/XX/year> In support of this dispute, I have attached evidence, including a valid Identity Theft Report, that clearly indicates I was a victim of identity theft, and this specific account was opened fraudulently under my name without my authorization. 

As per FCRA Section 605B, I request the following actions be taken : Immediate blocking of the disputed account from my credit report.

Prevention of any reporting agencies from reporting the disputed account information in the future.

A written confirmation sent to me upon the resolution of this dispute. 
I urge the Consumer Financial Protection Bureau to investigate this matter under the stipulations of the FCRA and assist in rectifying this erroneous report as swiftly as possible. The continued presence of this incorrect information is detrimental to my financial well-being and credit standing. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-08-14
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: ENOVA INTERNATIONAL, INC. (AZ)

From XX/XX/year> to XX/XX/year> XXXX  allowed fraudulent inquiries to obtain credit under my name and social. 
XXXX XXXX  and net credit are the other ones that I did not authorize. I am trying to build my credit and once I got it to around XXXX  someone without my permission started trying to open accounts daily, weekly, and monthly. I am trying to get them removed and the company will not help me.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NC)

My info is as below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Mortgage Company : mr. Cooper CUSTOMER SERVICE : XXXX Loan Number : XXXX While I pay taxes and insurance on my property and there is no escrow account, I went back to XX/XX/year> and there is- {$270.00} posted as Escrow Balance on my statement. Starting from the XXXX statement there is {$22.00} extra that shows under " Escrow Taxes & Insurance '' under the pie chart which increases my regular monthly payment from {$1300.00} to {$1300.00}. I should mention, that I have this on auto-pay with a monthly payment of {$1400.00}. So it does not affect how much I'm paying, but it affects the amount going against the principal. 

Since I don't have any escrow setup as per loan initiation, I'm wondering what is this extra amount and what is the negative Escrow balance. 

This amount has to be applied back to the principal and proper adjustments on interest calculation have to be made.
Consumer complaint received 2024-05-20
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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-20
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized inquiries on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-05-20
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)

I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies TransUnion, XXXX, and XXXX, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) , as well as the inclusion of these accounts on my credit report despite legal prohibitions. The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as TransUnion, XXXX, and XXXX are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. Despite these legal mandates, I have observed that TransUnion, XXXX, and XXXX continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that TransUnion, XXXX, and XXXX comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

XXXX XXXX is saying they verified a XXXX XXXX case being reported on my XXXX and XXXX credit reports. The courts do not share any information so this company should not be reporting or sharing any of my information. The fair credit reporting act says any inaccurate information should be deleted. Lexis nexis telling me they verified the information from the court is not accurate. I want the bankruptcy deleted from my credit reports at XXXX and XXXX. XXXX will not allow me to dispute inaccurate information on my credit file. This is unfair and needs to be changed.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (GA)

American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Amount : {$160.00} I have notified American Express that I was not paying this debt. They must cease all communication under 15 USC 1692c. This account should be removed from my credit report immediately.
Consumer complaint received 2024-05-20
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-20
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. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I ve been dealing with this matter since 2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX RE : XXXX XXXX  its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX  does claims they ve tried to retrieve my last two loans from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : XXXX XXXX XXXX XXXX  sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt  company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX XXXX XXXX XXXX XXXX that would ve closed all accounts, yet were never received.
Consumer complaint received 2023-09-01
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: BMW Financial Services NA, LLC (CA)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Consumer complaint received 2024-08-02
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. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.