davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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: EQUIFAX, INC. (CA)

I am writing to dispute information on my credit report that I believe is inaccurate. I have not received any 1099-C Cancellation of Debt letters regarding these following accounts : - XXXX XXXX  XXXX XXXXXXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX Given the absence of these 1099-C Cancellation of Debt letters, I firmly believe that the reporting of these charge-offs is inaccurate. According to the FCRA, I have the right to dispute incomplete or inaccurate information. I request that these charge-off accounts be removed from my credit report as they do not reflect a complete and accurate credit history. 

I appreciate your attention to this matter and expect a prompt response. Please investigate these discrepancies and update my credit report accordingly.
Consumer complaint received 2024-03-28
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. (PA)

I have reviewed my consumer credit report and the company XXXX XXXX has inaccurate information reporting on my consumer report. 
XXXX Account number XXXX stated that there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. 

This account was reported as charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX please fix my credit report. I asked you to remove my late fees. You removed them, but you reversed them to other months why did you do that? Thats very fraudulent and thats not cool at all. This was a prepaid credit card XXXX dont owe you nothing and you took money out of my money to pay for your late fees. Please fix this because this is fraudulent and Im gon na be reporting this to the FTC, you didnt do anything but make matters kind of worse
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-28
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2023-10-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC (CA)

We received a letter on XX/XX/XXXX from Specialized Loan Servicing LLC ( SLS ) that our 2nd mortgage was referred for loan foreclosure proceedings. We reached out to HOPE to help us to determine the legality of mortgage foreclosure letter. We thought that the XXXX loan was resolved and finalized through bankruptcy XX/XX/XXXX and XX/XX/XXXX. We reached out to SLS on XX/XX/XXXX they stated that the amount due was $ XXXX + interest of $ XXXX with a total due of $ XXXX. XXXX stated that we had to pay $ XXXX down for a loan modification. Through advice from a non-profit counselor we sent a QWR to SLS on XX/XX/XXXX, and obtained a legal representation. We received an incomplete QWR response from XXXX on XX/XX/XXXX, stating that SLS was not able to address the increased payment amount and they do not have any history of payments and invoicing. In fact, they sent a spreadsheet of dates with XXXX amount due invoices. They are unable to respond to the allegation of being a predatory lender. They also added additional unpaid fees and interest. They did not provide any documents showing transfer of the loans from the original lender XXXX XXXX XXXX  to SLS. Our legal team reviewed the response and sent a letter on XX/XX/XXXX to SLS outlining the violations and requesting additional information. Violations included ; irregularities and illegal practices relating to SLS debt collections on this account, Reg X, i.1024.33 Request for information, Tila-Reg Z i.1026.39 & ii.1026.41 with response requested by XX/XX/XXXX. To date our attorneys have not received a response from XXXX. XX/XX/XXXX we received a Notice of Sale for XX/XX/XXXX. Our attorneys have requested an extension due to the non response from XXXX to validate the loan amount and XXXX holder. There was XXXX communication from XXXX to the first notice received in XX/XX/XXXX. We have never received an invoice, no transfer of title notices or any other communication related to this loan other than what is listed here.
Consumer complaint received 2024-03-28
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must REMOVE the following accounts from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union XXXX  XXXX keeps refreshing this charge off. This is not correct I keep sending them letters and everything and theyre not doing anything about it. They keep making this fresh bringing my score down. This account is due to fall off in XX/XX/XXXX and they keep messing up my credit you see that they reported XX/XX/XXXX and they just reported XX/XX/XXXX please help me
Consumer complaint received 2024-03-28
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Im legally XXXX and I didnt realize someone had used my debit card to make purchases from a company Id never done business with I reported this to Capital One Fraud department The agent told me theyd cancel the card and issue me a new one and take care of the unauthorized charge I was notified by email that they would not take care of these charges and accused me of making them Ive never had this type of issue with a bank in all the years Ive been banking online
Consumer complaint received 2023-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hodosh, Lyon & Hammer, PC (RI)

This is a new and separate complaint about Hodosh and Lyon, a fraudulent debt collection firm located in XXXX XXXX XXXX. I am also making a complaint to the State of XXXX XXXX XXXX XXXX XXXX for false conduct of attorneys. 

This law firm wrongly and falsely wrote to the CFPB that a debt from XXXX XXXX XXXX ( XXXX ) and/or XXXX XXXX XXXX was litigated at XXXX  Superior Court , XXXX # XXXX. The online court docket clearly shows this was a default judgment ( attached ), not a litigated judgment to decision. 

Also attached is a false affidavit from that case made by XXXX that references an account ending in # XXXX, but attached to that affidavit is a XXXX XXXX statement ending in # XXXX. Hodosh and Lyon 's demand letter references the same debt ( account ending in # XXXX or # XXXX ), however, XXXX XXXX XXXX XXXX ( XXXX ) XXXX, has called me twice and admitted XXXX had NO records for the XXXX  statement and account ending in # XXXX ( and later changed to # XXXX by XXXX ). No credit application with my signature, no proof of charges I made. 

While the alleged originator of debt, XXXX, has admitted they have no proof, Hodosh and Lyon falsely claim this office, in consultation with XXXX XXXX XXXX XXXX, have thoroughly reviewed your account and have concluded that all charges were properly assessed to your account. 

Hodosh and Lyon did not stop there. They made additional and intentionally false claims against me by attaching two unrelated statements from XXXX cards in years XXXX and XXXX, ending in # XXXX and # XXXX. They also falsely point to airline travel at that time and charge-offs in XXXX. What was charged off was fraudulent activity!! Nothing I personally charged. 

I am a well-documented victim of identity theft, see police reports attached. Hodosh and Lyon are fraudulent debt collectors who bought an alleged debt that even the originator ( XXXX  ) can not prove. They continue to pursue an innocent person by MANUFACTURING alleged proof. Their letter ( attached ) is false as NO proof exists that I ever signed up for the subject XXXX XXXX  card ending in # XXXX, which account was allegedly changed to XXXX XXXX XXXX # XXXX. This debt collection firm needs to have its law license revoked.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Consumer complaint received 2023-11-07
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. (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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD XXXX, XXXX BANK XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 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 2024-03-28
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. (IL)

I'm extremely distressed by the credit report I recently received! This situation is completely unacceptable. It's baffling that the government allows such blatant errors that have such a severe impact on people. I'm fully prepared to hold you accountable for your poor reporting practices if you don't promptly and accurately address this issue. To my knowledge, these accounts shouldn't even be on my file, and I have no idea where you obtained them from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Your dissemination of this inaccurate and incomplete information constitutes a serious breach of credit reporting laws. I require that you expunge this misleading information and furnish corrected credit profiles to all creditors who have received a copy within the last 6 months, or within the last 2 years for employment purposes. Additionally, I request the disclosure of the name, address, and telephone number of each credit grantor or other subscriber.
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: SECURITY FINANCE CORP (MD)

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this account
Consumer complaint received 2024-07-11
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. (IL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-03-28
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. (MO)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-28
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (DC)

On Wednesday, XX/XX/2023 I stopped payment on an {$800.00} check from me, XXXX XXXX XXXX to XXXX XXXX. I had intended to rent studio space from XXXX but less than an hour of returning home, I had misgivings and walked directly to the branch of Truist Bank ( formerly BB & T ) and met with one of their Customer Service Representatives to stop payment on the check. 

I don't write checks that often so I did not recall thee check number but looking through my checkbook it appeared that the check number was in the low 200s. The Truist CSR confirmed that the check that I'd written an hour ago had not been cashed, so that when I left the bank, I felt secure that Truist had stopped payment on that check. 

Later that day, I received an email from Truist indicating that a check was pending and on XX/XX/2023, I received an email indicating that the check had cleared. 

I immediately walked over to the Truist branch at XXXX XXXX XXXX and inquired why the check had cleared in less than 18 hours despite my efforts to stop payment on it. The two CSRs that I spoke to were unable to provide me with a reason other than the check numbers you provided were " out of range despite the fact that I seldom use checks to pay for anything and {$800.00} is an unusually large amount of money for me to pay anyone. 

Truist typically puts a 3-day hold on customer checks. Why did Truist fail to put a hold on my {$800.00} check and fail to recognize the Stop Payment request that I'd filed at that same branch? 
What Giles me the most is that I specified the recipient, the date and the amount and Truist still cashed the check.
Consumer complaint received 2024-03-28
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-28
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)

XXXX XXXX please fix my credit report. I asked you to remove my late fees. You removed them, but you reversed them to other months why did you do that? Thats very fraudulent and thats not cool at all. This was a prepaid credit card I dont owe you nothing and you took money out of my money to pay for your late fees. Please fix this because this is fraudulent and Im gon na be reporting this to the FTC, you didnt do anything but make matters kind of worse
Consumer complaint received 2024-03-28
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported in one Bureau, Transunion.
Consumer complaint received 2024-03-28
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. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-28
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. (NE)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>