davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-01-04
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several are several inquiries that are not mine. On my TransUnion its 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I am a victim of identity theft, and the presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have taken the necessary steps to dispute these inaccuracies, providing supporting documentation and evidence of the fraudulent nature of these accounts. However, my previous disputes have not been adequately addressed, and I am particularly puzzled by the Bureau 's request to extend the investigation period to 60 days. Despite this extended timeframe, there has been no resolution, and I am left in a state of confusion as to why my requests seem to be ignored or not properly addressed. 
XXXX  XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure the accuracy of the information they report. It is disconcerting that, as a victim of identity theft, the fraudulent accounts are still tarnishing my credit report.
Consumer complaint received 2024-01-04
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, Dear, Dear, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX XXXX Education XX/XX/XXXX Closed Account charged off. {$16000.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX {$22.00} XX/XX/XXXX XX/XX/XXXX 0 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$150.00} {$15000.00} 144 Months Individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX 0 % {$18.00} {$1000.00} 120 Months XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 0 % {$31.00} {$1700.00} 120 Months Individual
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Transunion Credit Bureau is reporting inaccurate information in XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance Owed : {$790.00}
Consumer complaint received 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld a debt collector called me yesterday ( XXXX XXXX XXXX  ) to notify me that a past utility bill from XXXX XXXX XXXX  for over {$1000.00}. 

I called them today ( XXXX XXXX XXXX ) and asked to receive written proof of the debt and confirmation that I have 30 days to respond regarding the debt. 

They said that they sent written notices to me in XXXX which I never received. I requested that I still have 30 days to respond and they said we sent you notice in XXXX. 

The conversation went around in circles.
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MO)

I was forced by my old job to sign up for a synchrony bank Sam 's credit card because of synchrony banks predatory policy regarding how many credit cards they can get people to sign up for. If you didn't get any signups they would penalize the company and the company would penalize your club and your managers would penalize the employees for not trying hard enough for not making quota on credits. This would force our managers to try and " encourage '' employees to sign up for one to show corporate that we were at least trying. At first it was alright I kept the balance low and paid it off on time. Then the inflation crisis hit and I was having to use it to put gas in my car at {$5.00} a gallon to get to work. Well that quickly ballooned the balance up to {$2000.00} dollars. I had a {$5000.00} limit. I was paying the minimum amount per month with no issues. 
Fast forward to XXXX of 2024 and my credit score plumits from XXXX down to XXXX and my minimum payment goes from {$98.00} to {$250.00} dollars and my credit limit is decreased by {$2000.00} dollars with no warning, no letter, no email, no call, NOTHING!! Now I'm inundated with harassing collection calls from synchrony demanding the full minimum payment. And when I pay what I can they informed me that what I pay will go towards the previous month and not the current month.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has viold my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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)

XXXX XXXX is mishandling information and incorrectly reporting to the 3 bureaus unjustly.

This statement complements my lawful and rightful consumer declaration of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. 

I sent a letter and allowed the company 30 days to reply with no reply : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX USA I wrote them a formal objection of claim ( s ) as reported when reported and a demand for appropriate report modification ( s ) on their part. They are inappropriately reporting incorrectly to the Trans Union XXXX XXXX and damaging my credit and in violation of the FCRA aka the Fair Credit Reporting Act. The acts in nonobservance should be subject to fines and damages. 

I am providing the company but this one last opportunity for suitableness of this account. Previously, I had sent them a letter advising them that they were inaccurately reporting.

Additionally in that request I in fact did assert their necessary requisite ( s ) to ensure only compliant information is retained on my file.

Due to their now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically noncompliant reported in that it implies that my forwarded notice was sadly ignored.

Their reporting deviations are costing me unfair turndowns of credit, and unjustly greater interest rates.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX FUNDING Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CT)

XXXX   XXXX  sent a request for information and notice of error ( QWR ) to Nationstar on  XX/XX/XXXX . Nationstar received this QWR on  XX/XX/XXXX , as evidenced by a signed return-receipt. Per RESPA, Reg. X 1024.35-36, Nationstar should have responded to  XXXX   XXXX  's QWR by  XXXX   XXXX ,  XXXX   (   XXXX  business days from receipt ). It is now,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX  has not received a response to his QWR. Time is of the essence in this case, as there is a law/sale date scheduled for  XXXX   XXXX ,  XXXX .  XXXX   XXXX  requested the following documents from Nationstar :  1. A  complete account history for the life of the loan showing how each payment was applied to interest, principal, escrow fees or charges, and the suspense/unapplied account ;  2. A  copy of each escrow analysis conducted on my account since  XXXX   XXXX  ;  3.  An itemized statement showing all costs and fees that may have been assessed to the loan account for the life of the loan including but not limited to late fees, inspection fees, broker price opinions, foreclosure fees, bankruptcy fees, and attorney fees ;  4.  Copies of any loan modification trial plans, permanent modifications, and/or forbearance plans  ; 5.   Documentation showing my approval for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present ; and  6.   Documentation showing my denial for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present.      XXXX   XXXX  also asked Nationstar to investigate why his payment suddenly increased from {$1800.00} to $ 2,500+, following a permanent modification in  XXXX   XXXX .      XXXX   XXXX  complied with all of Nationstar 's request during the modification process, and the sudden increase is more than likely due to a Nationstar escrow miscalculation. Nationstar has failed to explain to  XXXX   XXXX  why his payment increased by $ 700+ making his newly modified payment unaffordable.
Consumer complaint received 2024-06-19
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed same items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit Bureaus are required by law to remove the accounts which are found to be fraud due to identity theft. The disputed accounts do not belong to me. Please remove these accounts. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$1500.00}, XXXX XXXX XXXX Balance Owed : {$2000.00}, XXXX XXXX XXXX Balance Owed : {$480.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$740.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX Balance Owed XXXX {$6600.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (NM)

I'm pretty unhappy with my Wise account ( TransferWise, https : //wise.com/ ) being deactivated/closed without notice with a remaining blance and a refund of transaction. I believe to have expreicned " unprofessionalism and incompetence '' from their Custumer Support staff. To make things right, I do very much like Wise to issue refund of all Wise money ASAP.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (TX)

I've been a victim of identity theft and these fraudulent accounts and inquiries are still listed on my credit report. I reached out before and the credit bureaus are failing to remove all fraudulent accounts and inquiries. they are willingly breaking the law and infringing on my rights. my reputation is being ruined and I need these accounts and inquiries removed immediately because they do not belong to me and they are inaccurate as well
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are inaccurately reflecting my payment history. I demand that these accounts be corrected immediately. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that the creditor has failed to provide any supporting documentation to validate the debt, and yet the erroneous account is still listed as a late payment account on my credit report. I take this matter seriously and expect a thorough investigation into this dispute. I also anticipate a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I demand that the credit bureau responds to this dispute within the stipulated time frame as mandated by the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.