davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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)

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate credit reporting by [ Credit Bureau Name ] in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). I recently obtained a copy of my credit report and discovered XXXX  inaccuracies pertaining to the following accounts : XXXX account XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Upon reviewing my credit report, I noticed that these accounts contain erroneous information, including but not limited to incorrect payment histories, misrepresented balances, and inaccurate dates of last activity. These inaccuracies are severely impacting my creditworthiness and financial standing. I am disputing the information reported by [ Credit Bureau XXXX ] regarding the aforementioned accounts, as it does not reflect the accurate and up-to-date status of these accounts. Under 15 U.S.C. 1681 Section 604A ( 2 ), I have the right to dispute any inaccurate information contained in my credit report and request that it be corrected or removed. Furthermore, I believe that [ Credit Bureau Name ] has violated 15 U.S.C. 1681 Section 602A by failing to maintain reasonable procedures to ensure the XXXX  possible accuracy of the information contained in my credit report. The discrepancies in the reported information demonstrate a failure on their part to fulfill their obligations under the FCRA. I request that the CFPB investigate this matter thoroughly and take appropriate action against [ Credit Bureau Name ] for their non-compliance with the FCRA. Additionally, I urge [ Credit Bureau Name ] to promptly investigate my disputes and correct the inaccuracies in my credit report. Please find enclosed copies of my credit report highlighting the discrepancies, as well as any supporting documentation related to the disputed accounts. Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information in my credit report.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

This account should have been deleted and this company XXXX XXXX made a mistake on this account and should have corrected the account account was never late, there was a mistake and this account was deleted off my credit report and this company send it to this collection company and now there a negative mark on my credit report, however I have a copy of a letter from XXXX XXXX  explaining they mistake I will mail this to the credit bureaus and will attach to this complaint please find this is a mistake and remove from my report! Also this bank have sent this account to different agencies and this need to stop
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX 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 across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-11-08
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)

I have consistently contested the inaccuracies in the following information with XXXX, XXXX and Transunion, and unfortunately, the issue remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (UT)

I contacted Mohela about my Federal Student loan being in forbearance due to My Borrower Defense Application School : XXXX XXXX XXXX XXXX XXXX ( The ) was Approved of Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement, which I received a letter and email on XX/XX/XXXX confirming my approval for discharge of my student loans. Therefore I should be under forbearance and the interest should also completely be stopped until I receive relief. Mohela has taken my federal loan off forbearance which is a violation of the settlement agreement. I contacted Mohela and they informed me to contact the Borrower Defense Hotline at XXXX. I contacted Borrower Defense, which they have informed me that federal loans are to be in forbearance and let me know to fill out a General forbearance form to the Federal Student Aid. which I have done so far on XX/XX/XXXX. 

According to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the XXXX XXXX XXXX XXXX XXXX ( The ) ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). This was to be completed before or on XX/XX/XXXX, Which the loan Server Mohela, Federal Student Aid, and the Borrower Defense failed to complete the settlement agreement by court order to discharge my loan, remove credit reporting of the loan, and refund payment made on the loans.

Main Concern : ( 1 ) Failure to effectuate relief by the applicable due date.

( 2 ) Violation of assurance regarding forbearance or stopped collection status.
Consumer complaint received 2024-05-10
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-10
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've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-02-29
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P. (MD)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) LVNV Funding, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 across the three Bureaus, Transunion, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-09-20
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. (AZ)

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 Account owner : Individual account Original creditor : XXXX XXXX XXXX XXXX reported : XX/XX/2023 Date assigned : XX/XX/2023 Account status : Open Amount : {$320.00} 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 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 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

DEAR XXXX LVNV FUNDING LLC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XXXXy Period # XXXX ( Pay date XX/XX/23 ), I was supposed to get a direct deposit for {$900.00} from my Payroll. I work for the XXXX XXXX XXXX ( XXXX XXXX ). I did not get it. An account number was transposed incorrectly. I called the bank and they said that since if the name didn't match the account it would take XXXX days for to get sent back to XXXX XXXX XXXXXXXX XXXX On the XXXX of XXXX I called my bank and they told me that Social Security should get it back by close of business. I asked my Group Supervisor who could I contact in our HR department that could help. XXXX XXXX XXXX was the contact person that I have been corresponding with. She said that they have yet to receive notification on the return. I have been in contact with her for a month I have yet to receive it. Everything has been has been corrected since then. XXXX XXXX told me that it would take another XXXX days to get to the Department of Interior , and probably another XXXX days for them to post. As far as she knew nothing has been posted yet, and was going to check with someone she knew or think that could help, but nothing yet. This has caused a burden on me, I would appreciate some Assistance if at all possible. Since this email, Other emails have followed on these dates. XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, The last email on XX/XX/23 was given to XXXX XXXX who stated that they are actively reviewing. I was told that there was nothing they could do until BOA return, I told them that I have reaching numerous times to BOA and they stated that they didn't get it. I have been dealing with this since XXXX XXXX, it has now been almost 4 months. I have had my supervisor keep an update while I was on leave in XXXX and still nothing. I just sent another email on XX/XX/23 asking for any updates. No response as of yet. Please the help would be greatly appreciated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In Accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocket Mortgage, LLC (FL)

Accepted as value / accepted for value and returned for value as consideration for settlement and closure of the account according to UCC 1-308, HJR 192, 1933, and U S Constitution, Article 1, Sect. 10.

Signed : Without prejudice UCC 1-308, Date XXXXXX/XX/XXXX
Consumer complaint received 2024-01-27
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-16
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota motors reposed vehicle in XXXX and at some point auctioned vehicle. No notice was provided to me and no document produced showing attempt to auction at near fair market value. Im disputing the residual balance, debt collection attempts, and derogatory reporting. Its been XXXX years and this should not be on my credit reports in keeping with FCRA and FDCPA Account was open in XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc. (CA)

Affiant, XXXX XXXX, victim of identity theft, I'm invoking the ADA against the following suspects who have committed perjury in the XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, a Federal Crime under Title 18 Sec. 1028A ( Aggravated Identity Theft ), 1002 ( Possession of false papers to defraud the United States ) and 1348 ( Securities and commodities fraud ). 
I filed Identity Theft Claim with Federal Trade Commission on XX/XX/XXXX # XXXX. 

These individuals and entities engaged in unlawful practices involving manipulative and deceptive tactics to foreclose on my property at XXXX XXXX XXXX XXXX, CA XXXX. REAL TIME RESOLUTIONS ( RTR ) created account XXXX without my authorization, violation of CA CIV CODE 1798 to 1806 under CA State Law. RTR has ignored and failed to respond to validate and authenticate my Notice of Dispute Affidavit and proof of claim under FDCPA and RESPA. RTR has not provided Sworn Affidavit from principal party with authority having first hand knowledge and chain of custody of any debt owed including account level documentation. 

On XX/XX/XXXX a fraudulent A CORPORATE ASSIGNMENT OF DEED OF TRUST was recorded on my property on XX/XX/XXXX, claiming that XXXX XXXX XXXXXXXX XXXX XXXX, a Delaware Statutory Trust created on XX/XX/XXXX, A SCAM DEBT BUYER ENTITY, is the alleged owner of the alleged account. ( Copy attached ) On XX/XX/XXXX I served XXXX USPS mail to XXXX XXXX, XXXX and RTR , Inc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Notice of Dispute AFFIDAVIT. RTR refused to rebut to my Affidavit from someone with authority, personal knowledge of the matter and under penalty of perjury. 
Moreover, the Notice of Dispute Affidavit sent to XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX was returned NOT DELIVERABLE ADDRESS ( copy attached ). 

Moreover, RTR has sent me conflicting letters stating that the alleged original creditor was XXXX XXXX XXXX XXXXXXXX and on other letter stating that the alleged creditor was XXXX XXXX XXXX XXXX ( Copy attached ) I'm demanding for CFPB to file criminal charges against these entities and individual ( s ) for intentionally, deceitfully and fraudulently behavior to foreclose and steal my property at XXXX XXXX XXXX, XXXX, CA XXXX.
Consumer complaint received 2024-01-26
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. (TX)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.