davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-24
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. (FL)

I have tried to fix this issue since XX/XX/2022. Nothing has been done or even the issue been resolved! XXXX XXXX XXXX XXXX ; Due to 15 USC 1681s-2 this issue need to be removed!
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is manipulating by adding and subtracting over {$12000.00} in student loans. The fluctuated this large amount a week apart- even though I haven't recently attended college.
Consumer complaint received 2022-12-24
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: Experian Information Solutions Inc. (OH)

Florida address shows opening a account on my credit report disputed the address on my report since Ive never lived in Florida and response to my dispute was addressed updated and changed but its still the same Florida address where someone stole my identity and opened a account in my name with this Florida address card has been closed but address still shows up on my report thats not mine
Consumer complaint received 2023-07-22
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 submitting this complaint 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  XXXX Balance Owed : {$27000.00} ; XXXX  XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 2021-02-14
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. (TX)

I have a bankruptcy reporting on my credit report in the public record section and it is flawed with inaccuracies. I have disputed it several times and this credit bureaus keeps saying its verified. I even had the court send me a survey stating that they don't verify information with the credit bureaus. I don't know what else to do.. I can upload all the documents
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (LA)

I paid a debt to IC Systems in the amount of {$400.00} as a settlement for a XXXX XXXX account. I was informed once this payment was made this would be removed from my credit report. This account is still reporting now with a XXXX  balance however it was suppose to be deleted. The company is now refusing to delete the collections account from my credit which continues to have a negative impact.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act TransUnion has violated my rights by reporting false information about the following : XXXX XXXX XXXX  late payments. Acct # XXXX It currently shows collection/charge-off. 



15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 



15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



The above account information is false! I have and am experiencing close to homelessness due to this false information. I need this information corrected by removal from my credit report. I have XXXX  children and XXXX  on the way and I care for my XXXX  mother, and it is ridiculous that I must live in a small apartment for how many more months and years! Waiting for this to change?? I need this removed. Below is the information I see that is totally incorrect. I have contacted TransUnion multiple times with no change to this information. It's like they don't even care. I lose sleep and feel like life is exhausting me because of how stuck I am with this credit score being reported so wrongly.
Consumer complaint received 2021-07-05
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. (WA)

THIS CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! Unverified/Fraudulent Account XXXX XXXX XXXX Unverified/Fraudulent Account INVALID INQURIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous XX/XX/XXXX XXXX INVALID ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I opened a checking account with Citibank in XX/XX/2021. 

I used the account to make and receive transfers, as well as deposits for online gaming, which I do regularly. The deposits to online casinos gaming websites in New Jersey are all legal and regulated by the New Jersey Division of Gaming Enforcement. 

After a few months, I tried to use the account as normal but noticed that Citibank had locked access and frozen my funds. I contacted them on XX/XX/XXXX and they would not give me a reason for the blocks but that an investigation was underway and the account was being processed for closure. 

They told me I would receive a letter detailing the closure in the next 15 days. No letter arrived, so on XX/XX/XXXX, I contacted them again to be told the letter will now arrive in 30-60 days. Again the letter never arrived. 

After contacting them again a few times they would not provide any information about what was happening. Eventually, on XX/XX/XXXX, they informed me that there were no longer any funds in my account and that I'd receive my money via a check in the mail. I did not receive a check for the balance. 

Every time I call I get bounced around different departments and need to explain myself over and over and no one ever gives me any information. 

Eventually I went into my local branch. I was told that there was suspected fraud on my account, and that you are withholding my money. The only way I can get my money back is to contact the casino that the withdrawal came from. 

I have checked my casino account and no money has been returned to the account and I don't know where the money has gone. 

They have now repeatedly told me I am not going to get my money back and have provided absolutely no reason. 

The balance of the account was {$2100.00}
Consumer complaint received 2021-07-05
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. (IA)

To whom it may concern I have been contacted XXXX XXXX XXXX many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXXXXXX XXXX XXXXo date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.
Consumer complaint received 2021-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CT)

1st on the phone they told me I had been in arrears but now I wasn't. 
I received a letter XX/XX/XXXX and submitted complaint XXXX their response was a letter dated XX/XX/XXXX that claimed they had received late payments. 
I pay via electronic transfer in my checking account. I went through my checking statements and saw that the XXXX XXXX deducted the amounts on what dates. it did not match TDbank 's claims. 
in one PDF file titled " XXXX '' I have compiled the pages from my statements and XXXX rectangles about the payments. I created a spreadsheet showing dates paid, and the amount I am in excess of the scheduled installment payments. 
I have the original agreement with XXXX, the letters from TDbank with the fraudulent claims.
Consumer complaint received 2020-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

Shellpoint Mortgage Servicing or XXXX. 

My mortgage was due to mature on XX/XX/XXXX. I asked several times for the procedure and what to expect. However, all I got was some confusing responses. I ended up getting a payoff amount from their website and making the final payment on XX/XX/XXXX. They had no problem taking my money but for some reason the website says un-applied payment. Plus it shows I still have a balance. I sent them another email but I have yet to receive a response. 
Finally, their website says I have a payment due XX/XX/XXXX. I don't want to be penalized or anything because I already paid off my loan.
Consumer complaint received 2017-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

I am being erroneously targeted by Diversified Consultants Inc. on behalf of XXXX XXXX XXXX for unpaid debts of {$290.00} that are completely invalid and false. To highlight the situation, back on XXXX XXXX, 2015, XXXX XXXX that had been registered at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX was returned to a local XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, IL. A final balance of {$21.00} was paid, and the account was subsequently closed at that time. This was confirmed by a XXXX employee at the XXXX XXXX XXXX location. My XXXX Account # was listed as XXXX. However, XXXX XXXX has tried to charge me for continued service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 despite the fact that the account was closed out 3 months prior. 

I have on several occasions asked for the following information and have yet to receive it : -- Any and all documents identifying the serial # 's of all equipment that was registered to the " XXXX XXXX '' after XXXX XXXX, 2015 -- A receipt identifying the serial numbers of all XXXX equipment that was alleged to have been received and used by me after XXXX XXXX, 2015 -- A signed statement by a XXXX employee, attached to a printed document showing the results of that employee 's exhaustive search of all XXXX databases, testifying that they in fact have searched any and all such databases for these corresponding serial # 's and that the documents presented in fact are true Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, 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. (TX)

Subject : Letter of Inquiry Removal Request under FCRA 15 U.S. Code 1681n Dear sir or madam, I hope this letter finds you well. My name is [ Your Name ], and I am writing to request the removal of certain inquiries from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n. The inquiries in question were made by various institutions and are listed below : INFORMATIVE- Miscellaneous, Date : XX/XX/XXXX XXXX  - Finance, personal - Date : XX/XX/XXXXXXXX XXXX XXXX Finance, personal - Date : XX/XX/XXXX XXXX XXXX  - Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - Miscellaneous and public record - Date : XX/XX/XXXX XXXX XXXX  - Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - Automotive - Date : XX/XX/XXXX I understand that the FCRA grants consumers the right to dispute and request the removal of inaccurate or unverified information from their credit reports. After carefully reviewing my credit report provided by TransUnion, I have noticed that the above-mentioned inquiries were conducted without my explicit consent or knowledge. 

According to the FCRA, credit inquiries should only be made with the consumer 's permission or for legitimate business purposes, such as credit application processing or account monitoring. In this regard, I would like to assert that I have not authorized any of the inquiries mentioned above, nor do I have any prior affiliations or business dealings with the respective entities. 

Given the circumstances, I kindly request that TransUnion conduct a thorough investigation into these inquiries and verify the legitimacy and accuracy of each one. If it is found that any of the inquiries were indeed made without proper authorization or valid business reasons, I urge TransUnion to promptly remove these inquiries from my credit report. 

To assist you in your investigation, I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. 

Please provide me with written confirmation of the receipt of this letter and the commencement of the inquiry removal investigation. Additionally, I request that you keep me informed about the progress of the investigation and any outcomes that may arise from it. 

I understand that you are required to complete your investigation within 30 days of receiving this letter, as mandated by the FCRA. Therefore, I look forward to a timely resolution of this matter. 

Thank you for your attention to this request. Should you require any further information or documentation to facilitate the investigation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-22
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 2021-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

I got a notice from XXXX that there is a collection added to my credit report. 
Franklin Collection Services, XXXX XXXX XXXX XXXX. 
XXXX MS. XXXX XXXX. 
It was for {$1200.00}. 
This debt originated more than XXXX yrs ago from XXXX XXXX XXXX. I had there services when I lived in XXXX. When I changed services, they mailed me the boxes to return the equipment in. 
I mailed their equipment back to them. A couple of months later they sent me a letter stating they never got the equipment, and billed me {$1200.00}. Obviously I called to try and straighten this out, but were adamant. Seriously, what am I going to do with the equipment without their service. 
Since then, at least once a year, but this year twice so far that XXXX XXXX XXXX debt is being sold to third party collectors. Just a few months ago it was XXXX XXXX XXXX. This hurts my credit score every time it shows on my report. 
This has been an albatross for more than 10 yrs. Also what they do is show I opened an account with them. When I don't pay they report that I was late. 
This is really hurting me. 
I beg you please help me with this. I am XXXX yrs. old and I don't need this aggravation in my life right now. 
Isn't there a statute of limitations on this kind of stuff. 
Please help me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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: Experian Information Solutions Inc. (NV)

Hello Dear, It is about XXXX XXXX XXXX, AMOUNT AROUND XXXX My credit report shows repossession on XX/XX/2020 I have receipt/conformation that showed I paided my bill up to XX/XX/2020then the payment REJECTED by creditor. 

It is still not clear why my car got repossessed. I realized my car repossessed on XXXX after calling to request payment deferral for month of XXXX while abroad for church mission and stacked there because of covid no flight order. Problems with XXXX XXXX, APPLICABLE FACTS ( 1 ) Not notifying I have electronic consent to be notified/get any alert. But XXXX failed to do so, instead send only " mail '' to my old address/not the mailing address that I updated on XXXX XXXX XXXX online account. 
( 2 ) Rejecting Auto payment after XX/XX/XXXX ( payment for XXXX ), and reported it credit beauros as not paid. 
( 3 ) After talking and agreed to reclaim my vehicle, but not answering call when to pick up ( physically closed ), XXXX refused to postpone, auctioned it with out any notification. 
APPLICABLE LAWS IN NEVADA ( 1 ) The registerd owner must be at least " 30 '' days in default. I have paided till XX/XX/2020.Even if reported otherwise. 
( 2 ) The repossession company must notify the registered owner in each step of the repossession. 
( 3 ) The repossession company can adjust payment agreement and return the vehicle to the owner. 
CONCLUSION So if not in defult and XXXXnot notified, it must be considered as wrongful repossession and may be required to have court judgment to reposses in Nevada XXXX 
Contracting creditor beauros or the company failed to solve the issue. 
Best Regards
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is indicating that the account I allegedly had with XXXX XXXX is chargeoff. Their reporting the account that has been closed for years as chargeoff monthly this is drastically affecting my credit report, just by me exercising my consumer right and disputing this account as a penalty Experian is monthly reporting a charge off and Reaging my debt which is illegal. Im requesting an immediate deletion of this account if its chargeoff six years ago how is it possible to continue reporting it chargeoff monthly thats inaccurate please remove account