davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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. (PR)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

14. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XXXX XXXX  Account Number : XXXX Update to Paid on time on payment history and never been late Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

A child support case was unlawfully opened In XX/XX/2010 No due process was given I went to department of social health and services and requested the summons and complaint, proof of injury in fact, proof of service, default and the judgment paper. I was only given proof of service. Which the address stated on the paper was not the current living address for me. And A copy of Certification Of XXXX XXXX. 

I also went down to my XXXX XXXX clerks office to request the judgment paper and was told there was never a case opened against me, which again makes it unlawful according to XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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. (CA)

Location XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/2023 This information is incorrect and should not be on my credit report. I am asking for it to be removed immediately, as it is incorrect and a violation of the FCRA fair credit act. I have not done business with this company, nor have I any open or closed accounts with them.
Consumer complaint received 2024-01-08
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. (TN)

These inquiries were not authorized by me. 
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 2024-04-27
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. (OH)

This marks my initial attempt to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my document resulting from this crime. These entries pertain to transactions that neither involve nor reflect any purchases, services, or monetary authorizations on my part. If indifference reigns, I request the removal of any significant information stemming from an alleged fraudulent or extortionate activity in my credit record. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2022-11-23
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 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 2024-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (LA)

There is a debt collection agency reported on my consumer report called IC SYSTEMS INC. This company is reporting an unvalidated tradeline in my consumer reports and damaging my reputation. a violation of 15 USC 1692d ( 1 ). I did not receive any information regarding the alleged debt they claim I owe. They are infringing on my rights to privacy. A violation of 5 USC 552a per the Privacy Act of XXXX. I was not given the opportunity to dispute the alleged debt. A violation of 15 USC 1692g and 12 CFR 1006. This company is reporting an unconfirmed tradeline, a violation of 15 USC 1692e ( 10 ) and 15 USC 1681s-2.
Consumer complaint received 2024-01-08
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. (NY)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX { Date of Origin } XX/XX/XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) I hope this message finds you well again as of XXXX  ( XX/XX/XXXX ). As a investor in your esteemed corporation, I am writing to express my deep concern regarding the apparent non-compliance with Securities and Exchange Commission ( SEC ) filings, particularly the XXXX, XXXX, and prospectus forms. 

As an investor, I understand that my self liquidating paper / asset-backed-security / application ties into the Securities Exchange Act of 1934 which outlines the essential framework for maintaining a fair and efficient market, and adherence to these regulations is paramount for the well-being of investors as myself. 

Furthermore, I am troubled by the lack of compliance towards The Information for Good, I request a thorough investigation into this matter in Good Faith, for it is my sincere hope that your corporation will take immediate action to rectify any non-compliance issues and uphold the principles of fair and transparent business practices, I look forward to a swift resolution and a renewed sense of confidence in the corporation 's commitment to compliance and investor well-being.
Consumer complaint received 2024-04-26
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. (TX)

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.

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 2024-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I received a copy of my credit report and found a few accounts from Capital One with different account numbers and different dollar amount that I owe. I have never had an account with Capital One. I spoke to the customer relation department without any luck, I was told they would get back to me. No one from Capital One has called me back. I have reached out to them 5 times. Please help.
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (KS)

XXXX XXXX sent my Mortgage loan to a new Servicing Company named Mr Cooper which was breached during the transfer of many mortgage loans like ours. I asked for all paperwork Mr Cooper received plus an amortization schedule since Mr Cooper sent notification that the Taxes & Insurance in the Escrow Account was not adequate and raised our monthly payments. I questioned why but got run around with no answers. I Called again asked if I can close escrow account & pay my taxes & home owners insurance myself. Response was I can understand why being on a fixed income that having to pay two months in advance of Escrow would be concerning. I asked for all paperwork to determine if we had indeed been paying 2 months ahead into our Escrow Account but in the mean time received notification that our Escrow Account would be returned to us unless we contacted them by XX/XX/scrub>XX/XX/2024 to stop the ending of the Escrow account. The letter arrived on XX/XX/scrub>XX/XX/2024 and I called them to stop the process of closing the Escrow account. I was assured twice that they would not close the Escrow Account since I called & asked to wait until the paper work was sent that I requested many weeks before. Then I received a notification by mail saying they did close the Escrow Account & a check would be sent to us for the amount that had been in our Escrow account. I again called asked why did you close our Escrow when you assured me that you would not? They have no information about my previous call but I did have the name of the person I spoke with & date & time of my call. They now say do not make your next month payment until you receive the check then call us back to void it before making your regular monthly payment. I expressed concerns about their untimely paper work and asked are you sure the Escrow check will be here before the next monthly payment is due on XX/XX/2024 and was told it should be here by then. When asking what I should do if the check does not arrive in time I was told to not be concerned. I am concerned since it took 3 months to get even part of the paperwork I asked for months earlier. We have never been late on a mortgage payment and have good credit and do not want our loan to be in default. What more can I do the clock is ticking and I have done so much to try to make sure that during the breech some of our payment history was not lost. Thank you fir any advice you may be able to offer me.
Consumer complaint received 2023-03-16
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. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 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 purpose.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

On XX/XX/XXXX I was seen in the XXXX  department and was admitted to the hospital. During this time my phone and wallet was taken and my debit card and id and card pin was in my wallet. I was discharged on XX/XX/XXXX and noticed numerous unauthorized transactions on my debit card. At which time I submitted a dispute with chime. Two hours after submitting the dispute chime claims that they found no error occurred i have a doctors note to upload but I had no chance to upload it as they found no error occurred with out doing a proper investigation on XX/XX/XXXX I filed a rebuttal and uploaded the doctors note. They claim that no error occurred still and its impossible for me to make purchase in person when I am in a hospital bed fighting for my life. I didnt authorize anyone to use my card. I requested the documents used to determine the claim denial and they used previous banking history as a reason. I feel as if there was not a proper investigation done and want it reopened and looked into as I clearly was in the hospital and unable to make transactions. The dispute ID number XXXX I just want a provisional credit and a proper investigation done.
Consumer complaint received 2024-01-08
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 2024-01-09
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. (CA)

Transunion is violating the following laws : 15 U.S.C. 1681 - Accuracy and fairness of credit reporting 15 US Code 1679 You have the right to dispute inaccurate information on your credit reporting.The credit bureau must remove inaccurate or incomplete information. 

XXXX XXXX XXXX could not validate the debt on my report. https : XXXX/www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations I have written and asked multiple times to Transunion to remove inaccurate information to no avail this has cost me employment and bad credit rating. 

FCRA code 623 ( a ) ( 1 ) ( B ). If a consumer notifies furnisher and disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information.

Transunion is illegally reporting unverified information on credit reports, and will not remove the XXXX XXXX from my credit report. 

15 US Code 1681s-2 A person shall not furnish any information relating to a consumer to a consumer reporting agency if knows or has reasonable cause to believe the information is inaccurate. The debt by XXXX XXXX could not be validated and therefore the information is in fact inaccurate.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Improper use of report In accordance with the Fair Credit Act, this creditor has violated my rights under 15 U.S.C 1681 section 602. States I have the right to privacy.

15 U.S.C 1681 section 604a section 2 states a consumer report agency can not furnish an account without my written instruction.

Under 15 U.S.C 1666 b, a creditor can not treat a payment on a credit card under an open edit plan as late for any purpose.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

In accordance with fair credit report act this Creditor has violated my rights under 15 U.S.C. 1681 sec 602 states I have the right to privacy,15 U.S.C . 1681 sec 604A sec 2 it also states A Consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B A creditor may not treat a payment on a credit report account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-10-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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
Consumer complaint received 2024-04-26
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. (DC)

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.

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 2024-04-26
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. (AZ)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.