davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bass & Associates, P.C., Attorneys at Law (NY)

On XX/XX/year> I sent a letter by mail asking XXXX XXXX with XXXX XXXX XXXX of XXXX XXXX to send validation of the debt they claim I owe within 30 days because according to ( FDCPA ) if the request has been received within 30 days from the date of your receipt and they don't respond, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I listed my correct address at the bottom of letter sent and signed. I then contacted XXXX XXXX by phone which she stated she received my request but instead delivered it to a totally different address even seeing my correct address listed at the bottom of the letter well after the 30 days. I believe because of this all all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately according to FDCPA. 
I have proof of all the letters sent to XXXX XXXX and the recording of the phone conversation is proof she admitted she received my letter and sees I listed my correct address and signed.
Consumer complaint received 2023-04-21
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. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed complaint # XXXX on XX/XX/2023 after I noticed accounts on my report that didn't belong to me. The complaint was closed witha comment that states the complaint is still open. This companty is attemting to extort payments from me. This company is recieving money from the furnisher for this false account being on my report. This company is defaming my character. This company is not protecting my report from inaccuracies. This company has failed at its assumed role and is in breach of contract.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

CFPB-15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

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 2023-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (HI)

I ordered an icemaker ( Order # XXXX ) on XX/XX/2023 for delivery to store # XXXX. 
I have not received the item yet. Today I called Home Depot ( XXXX ) and spoke to XXXX, who could not explain why I didn't get the item yet. 

The invoice number is : XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

XXXX XXXX ( ... XXXX ) has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX negligence on this account has caused a negative credit bureau report. 
I paid a total of {$2700.00} through XX/XX/2022 through a XXXX XXXX XXXX program which my wife XXXX set up for us. All was going well. Then without our knowledge, XXXX XXXX withdrew from receiving monthly payments. For 2 years afterwards, XXXX XXXX never sent us any kind of communication for additional balance after they refused monthly payments leading me to believe the account was paid off. 
We didnt find out about a remaining balance until my credit reports were recently pulled when I applied for a loan. 
I have contacted XXXX XXXX about this but was told the account does not exist and the second time I contacted them, they had no explanation as to why I wasnt informed that they were no longer accepting payments and why they never me statements for previous balance or the remaining balance. 
I should not be penalized for their negligence, gross lack of communication which denied me the chance to at least be aware of the outstanding balance after they stopped taking my monthly payments. The account is over 7 years old, I am requesting it be removed my XXXX & Equifax reports.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found in my credit report. I have identified several inquiries that were made without my authorization, and I believe that they may be fraudulent. I would like these items to be removed from my credit report immediately. 

The following inquiries were made without my authorization : XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX - Inquiry date XXXX XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX CARD - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX Additionally, I have identified two accounts on my credit report that I believe to be in error. The details are as follows : XXXX - Account number : XXXX This account has a payment history despite being charged off. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I do not recognize this business and I would like this account to be investigated to ensure that it belongs to me. Please delete this account from my credit report. 

I understand that you may require additional information to verify my claims. Please let me know if you need any further details or documentation from me to support my dispute. I appreciate your attention to this matter and I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX XXXX XXXX  '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am not liable and refuse to pay this debt with XXXX, I have no contract with XXXX XXXX XXXX  in regards to account # XXXX. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted them several times, and they informed me that they are unable to address the issue at XXXX and XXXX XXXX. They suggested initiating a dispute with the credit reporting agency and advised me to file a complaint. I Never authorized my credit to be pulled at none of these locations. Please investigate these entities.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

For years I paid my insurance and taxes with my previous mortgage company, XXXX XXXX XXXX on my own, not escrowing. I was sold to Flagstar Bank because my balance, I guess was too low to keep my account. They said I needed to sign an escrow waiver and pay around {$220.00} fee to keep doing it on my own, which I did. My private homeowners insurance provides for flood insurance included in my premium. They told me that the XXXX XXXXXXXX XXXX XXXX requires that all flood ins premium be escrowed. Is that is the case, how I was able to do it on my own all the previous years? When I called I was told that if I couldn't separate both insurance ( house and flood ) they were going to start escrowing me for both. I told them I already paid both and my taxes this past XXXX ( they have the declaration page ). They told me I will be escrow again for both ( flood and house ) and I would not have to worry next year. This will be if I cant separate the premiums. I refused that because that is why I pay taxes and insurance on my own. I had to call my homeowners ins to see if they can refund me and re-send a bill for flood to Flagstar bank. All this inconvenience for something that I been paying for years on my own. Money is not an issue because I been sending extra {$500.00} for principal almost every month.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to let you know that these accounts below have long been removed from the XXXX Credit report. These items were found to be placed incorrectly on my files by other credit consulting department and I needed immediate action of REMOVALS for all of them. 

XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX am fully aware that all credit consulting bureaus reports and gathers information to a specific creditor or furnishers of information per account. It just doesnt make sense to me why your department still furnishes these items that should already have been removed from my record. If communications were delivered accordingly, shouldnt they also be aware that these entries should have been long gone from my record, since XXXX no longer has it?
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 2024-04-14
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ; XXXX XXXX XXXX  XXXX ; has violated my rights. 15U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 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 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 2023-11-28
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)

On XX/XX/203 I drafted a letter to TranUnion outlining multiple accounts on my consumer report that are negatively affecting my credit rating. According to the Fair Credit Reporting Act, these mistake-filled accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I requested that Transunion correct my personal information ( current and previous address ) as well as reinvestigate these accounts : XXXX : XXXX, {$6400.00}, XXXX : XXXX {$610.00}. However, they stated that they dont believe that I wrote the letter that I submitted to them. This is ridiculous, and I am highly offended that they dont believe Im capable of drafting and submitting my only letter to them. I am a self-taught student of my consumer rights and I reserve the right to draft my own letters to express my rights if they feel I am capable of doing so or not. I drafted and submitted my own letter to their agency and did not hire a third-party firm, as they have alluded to. As a result, they are refusing to investigate the accounts that I highlighted in my own personal letter to them, which is completely unacceptable. 

In addition to this, none of the detailed information found in the accounts listed in my letter agree harmoniously across all three bureaus due to inaccuracy, inconsistency, or incompleteness, as they should according to the FCRA, XXXX, and Metro2 compliance standards. According to 15 USC 1681i ( 5 ), they are supposed to delete or modify accounts that aren't reporting correctly. 

15 USC 1681, Section 602 ( a ), states I have the right to privacy. 

15 USC 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my express, written instructions, which I have not given. 

15 USC 1681, Section 605 ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

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 inaccurate. 

In addition to the above violations, TransUnion is not in compliance with its own Metro2 credit reporting standard and has violated my rights many times over in each account. I will attach proof of this in this complaint.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

This is my second time writing them to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2023-11-28
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Last year, I submitted a dispute to XXXX XXXX regarding the inaccurate Bankruptcy reporting to my consumer report. 

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from XXXX 

I then reached out to XXXX  to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or XXXX XXXX. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to XXXX XXXX. They also confirmed they did not verify any information with XXXX XXXX. 

When I reached out to dispute this information, XXXX XXXX completed their re-investigation and responded back saying this information has been verified. 

Since the court ( the original data furnisher of this type of information ) did not furnish this information to XXXX XXXX nor verify this information. 

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.
Consumer complaint received 2024-04-14
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, XXXX XXXX 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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-11-28
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/XXXX