davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent letters to XXXX, Transunion and XXXX on separate occasions most recently being XX/XX/XXXX. ( certified mail ) disputing falsely derogatory information furnished by these agencies without my written instructions. 

It was expressed to XXXX, XXXX and Transunion that according to 15 USC 1681s-2. that I have a right to privacy ( under FCRA ). Furthermore, 15 USC 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


There are accounts with numerous late payments and reported charge offs and I have requested these statuses be updated/or the account be removed as 15 USC 1666 b states that a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-14
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (NY)

Hello, my name is XXXX XXXX. I have had a claim with you guy in the past about a XXXX vehicle the back was changing me for well since that all got settled I see on my credit report I keep missing payments? I havent missed a single payment from any bills so Im thinking if it still has to do with the car situation. So if you guys could look into that for me that would be great I just dont understand why my credit is being destroyed over missed payments when Ive paid all my bills on time?
Consumer complaint received 2024-04-15
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)

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online XXXX XXXX XXXX, including documentation of any potential small claims action Have a blessed day!
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

On XXXX XXXX XXXX XXXX XXXX tried to pull a credit report & credit score & they were unable to obtain a credit score. I've spoken to someone at Equifax at least 4 times about not being able to retrieve my credit score and as of XX/XX/2018, nobody has been able to resolve the issue. I'm currently under contract to purchase a property and approval is pending upon review of my credit score. Please help!
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NY)

I won two e-rewards ( XXXX ) cards on XX/XX/XXXX. Each card was {$50.00}. On XXXX XXXX I spent {$48.00} on one card. Today ( XXXX XXXX ) I learned that my card, the one I did not use had fees ( {$12.00} ) because of lack of use. 

I learned the other card - The one I used in XX/XX/XXXX had a XXXX balance. 

After a long call with the customer service agent. I was told the fees can not be reversed. No where on the paperwork I have indicates a charge will occur due to lack of use. In fact the card has an expiration date of XX/XX/XXXX. I reviewed the website and under FAQ section it states " there are no fees ''.
Consumer complaint received 2024-04-15
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)

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXXXXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified an account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (WA)

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 2024-04-15
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME Account name XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation. 

Account name XXXX Account number XXXX
Consumer complaint received 2023-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

My mortgage was sold to Carrington Mortgage about a year ago they started charging me about {$560.00}. for my escrow every month for a year. Now they are charging me {$670.00}. for my escrow a month. I Called my city and they said my taxes went up but not that much. I then called my insurance and they said my insurance went up {$14.00}. so somethings not adding up and that would be the numbers that are not adding up at all. Especially since my escrow is at XXXX as of right now so all this money is going in where? why is that and where is that money actually going to if all my stuff has been paid for?
Consumer complaint received 2023-05-27
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance XXXX {$1900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX : {$960.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (NY)

I have submitted several disputes to have these accounts removed from my credit report but the company refuses to remove them. I have contacted XXXX for a dispute over the phone on XX/XX/24. CCS Collections have 2 accounts that appear on my credit report. I have asked them for my original contract with the date and my signature, a payment history with original company, date when the account was sold to CCS Collections. I also asked to speak to the fraud department and the person I spoke to said " we don't have a fraud department '' and then hung up the phone in my face. I would like these documents in writing as soon as possible. The last time of contact with CCS Collections from me was on XX/XX/24.
Consumer complaint received 2024-04-15
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)

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA XXXX [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Consumer complaint received 2024-04-15
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. (MO)

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS. 

XXXX : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) TRANSUNION XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g )
Consumer complaint received 2024-04-15
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. (MA)

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 2020-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NV)

Dear Consumer Financial Protection Bureau, This complaint concerns my experience with National Credit Systems , Inc. National Credit Systems , Inc. has sent a single letter stating that I have an " obligation '' of {$6900.00} to XXXX XXXX XXXX I have not received any written accounting of what the {$6900.00} consists of. It seems very unreasonable and unfair for a collection agency to be able to submit negative information on a consumer to the credit reporting bureaus without having provided a detailed accounting of what the " obligation '' is. 

To date, I have received no detailed written accounting from either National Credit Systems , Inc. or XXXX XXXX on this " obligation. '' I believe that the negative reporting done by National Credit Systems , Inc. should be reversed until I am provided with a written accounting of the " obligation. '' Thank you in advance for your assistance and attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-15
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)

Transunion and XXXX did not complete the investigation within the XXXX days allotted and still refuses to remove the accounts XXXX XXXX XXXX XXXX XXXX XXXX from my credit.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I made a cash deposit into my savings account at Bank of America with an teller inside of the branch, on XX/XX/2023 for {$500.00}. On XX/XX/XXXX the bank had taken {$460.00} of my money. And cause my {$150.00} for my cell phone to not clear. And a credit card payment for XXXX XXXX to not clear as well. I am in an active bankruptcy. My bankruptcy was filed in XXXX of this year.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (OK)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2024-04-15
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)

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 2023-12-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

I was contacted by Transworld Systems Inc. ( TSI ), seeking to collect the debt in the amount of {$260.00} on behalf of XXXX XXXX as per attached TSI letter. 
I have spoken with the TSI representative on XX/XX/XXXX and informed them that my roommate XXXX XXXX and I have paid the above amount to XXXX XXXX back in the XXXX XXXX XXXX and that we have the payment confirmation receipts to prove it. 
I was instructed by TSI representative to submit the proof of payment information via email address XXXX for the TSI review. 
I have submitted the same proof of payment information receipts as I am attaching to this complaint to the TSI using the email address provided. 
After not hearing anything back from TSI I have contacted them again on XX/XX/XXXX and was told by TSI representative that no information about the case could be provided at this point. 
I think it is a blatant violation of my consumer rights to seek to collect debt that has been previously paid and not to respond to my request for further information.