davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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)

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 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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-07-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC (PA)

I received a very disturbing voice mail message ( XXXX ) XXXX from someone name XXXX XXXX he never stated the company he was calling from.. he didnt tell me what the call was In reference to he only stated he had my information and he was calling on behalf of his client but he had access to all my assets records which really alarmed me. I called the number back and a female answered I believe she said the company was XXXX. I have never heard of them. She went on to tell me the last XXXX of my social, my address, and date of birth. She said I owed debt to Tempoe LLC which I have no knowledge of. She claimed they have been trying to reach me through pre litigation which is absolutely a lie because I have no idea who these people are and they are not on my credit report.. she said I owed {$2300.00} for furniture purchased XX/XX/XXXX. She said my last payment was made XXXX of XXXX. She asked me to verify an email address I never heard of I told her that was not my email address at XXXX she then stated that someone would be out to my house XX/XX/XXXX to serve me between XXXX which is very concerning because I have no idea what is going on.. after I hung up the phone I did some research and found out that Tempoe LLC was sued for frauding customers so I dont know if this is a scam. I also did more research and in my state of P.A the statue of limitations to be sued for debit is 4 years from the missed payment.. its been 5 years.. Im very nervous now because this company has my information and Ive been a victim of identity theft in the past, And what is more alarming is after that call I attempted to call the company back numerous times with no answer only a voice mail.. Im very scared. I denied all claims to this debit and never heard of this company until today.
Consumer complaint received 2024-06-11
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. (GA)

XXXX XXXX  ACCT # XXXX AMOUNT {$18000.00} ACCT # XXXX AMOUNT {$5000.00} ACCT # XXXX AMOUNT {$540.00} ACCT # XXXX - The debt collector has failed to provide me with an original contract for the accounts listed above. Account summaries & bill statements are not verifiable documents 1692 ( a ) ( 2 ) Page 97-99, The alleged original contract between the creditor & debt buyer does not specify what accounts theyre transferring ownership of.

Page 100, Declaration of Account Transfer In the lieu of this transfer I was not notified of the debt being transferred from XXXX XXXX XXXX funding nor did I sign any contract agreement giving them the right to. If I did they need to send proof of an original contract with all parties signature including mine to verify. 
XXXX ( b ) As for XXXX XXXX  ACCT # XXXX AMOUNT {$18000.00} This account has several inaccuracies, from the ending balance to the reporting balance, payments & its open account status. Not only that XXXX XXXX has yet to provide me with an original contract signed by all parties including me proving they have the right to collect on this alleged debt. 

Under USC 15 code 1692g ( b ) I demand XXXX funding send me proof of the alleged debt to these accounts. I am requesting the Original Purchase Agreement signed by all parties including me, Original contract establishing account with creditor proving the account belongs to me, documents must be signed to be verified.The Original Terms & Conditions of each alleged debt, and the date of the first delinquency with original creditor. Account summaries, bill statements & inconsistent documentation is not verifiable. 

XXXX XXXX has 10 days to respond to this complaint, not Resurgent, they are not the owners of the alleged debt. According to page XXXX the debt was transferred to XXXX XXXX from XXXX Acquisitions. XXXX XXXX needs to provide me with the original contract with all parties signature including mine, giving them the right to collect on this alleged debt. XXXX XXXX also needs to contact the original creditor to specify what accounts were sold for ownership, the bill of sale on page XXXX, doesnt specify what accounts are for sale nor do they specify the ones that are being sold. Furthermore XXXX XXXX must provide me with an original contract with all parties signature including mine for each account not just XXXX. If unable to verify this is a direct violation of the FCRA & all of these accounts need to be removed from my credit report.
Consumer complaint received 2023-10-28
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. (NY)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed inaccurate personal information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following names, and addresses are inaccurate : NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX FM XXXX XXXX XXXX TX XXXX. Also, according to 15 USC 1681s-2, 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 2024-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-01-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (CA)

After I left XXXX  and moved to XXXX, XXXX XXXX XXXX  ( a property management company ) charged me {$1500.00} for damages to a unit. The XXXXXXXX XXXX XXXX company kept my deposit and my roommates ( {$600.00} each ), additionally charged her hundreds of dollars, and then charged me XXXX. As a new teacher in a new state ( XXXX  ) I had no way of fighting this. The debt went to XXXX and has been negatively affecting me for three years. I am actively improving my credit but refuse to pay this exorbitant, baseless, price gouging. XXXX has refused to re-send me information related to this debt twice. I have tried to dispute the debt several times. In my opinion they owe me for the years of negative impact on my credit. The agent I spoke with, XXXX XXXX, refused to send any information on the debt.
Consumer complaint received 2024-06-11
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. (FL)

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 2024-06-11
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. (GA)

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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute and request the correction of inaccurate information contained in my credit report, as provided by your agency. This action is being taken pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Upon reviewing my credit report from your agency, I identified the following discrepancies : 1. LAST DAY ACTIVITY IS INNACURATE - ** Creditor : XXXX XXXX XXXX XXXX Number : XXXX The last day of activity is innacurate on my credit report. 
the creditor reported XXXX different *LAST ACTIVITY DATE* on my credit which is a violation of FAIR CREDIT REPORT ACT The above inaccuracies have adversely impacted my credit score and caused me undue hardship. I request that your agency conducts a thorough investigation of these disputed items and takes appropriate action to correct or remove the inaccurate information from my credit report. 

For your reference and investigation, I have enclosed copies of relevant documentation supporting my claim, which include : a copy of the credit report I trust that your agency will handle this matter with the urgency and diligence required by the Fair Credit Reporting Act. Please notify me promptly of the outcome of your investigation and provide me with a revised copy of my credit report. 

I appreciate your cooperation and attention to this important matter. If you require any additional information or have any questions, please feel free to contact me at the phone number or email address listed above. Thank you for your prompt attention to this request
Consumer complaint received 2024-06-11
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 disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-11
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)

My account with the late payment was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-21
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXXXXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-11
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXXXXXX # XXXX In accordance with the Fair Credit Reporting Act, Public law 91 506 title vi section 611 subsection A-D provide the names and business addresses of each individual with whom you verified the above account, so that I may follow-up. Please send me an updated copy of my report after your reinvestigation.
Consumer complaint received 2023-11-02
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. (GA)

This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX  Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.
Consumer complaint received 2024-06-11
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. (MA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-09
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: Experian Information Solutions Inc. (TN)

Hello, I am having issues with the credit buraue and false information repaorting on my credit. I have been sending latters since the begining of this year and no one has helped me. I recently applied for a hoem and was denied due to my credit report. 

I have attached the letters I have been sending,