davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (OH)

I was going over my credit file and I noticed that there are addresses that do not belong to me and several other accounts information that is not correct. On or around XXXX or XX/XX/2020 I had a few late payments from the following companies : XXXX XXXXXXXX XXXX ( COVID ) XXXX XXXX XXXX ( COVID ) XXXX XXXX XXXX XXXX ( XXXX ) DEPT OF EDXXXX XXXX ( COVID ) I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on paid on my accounts are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. 
The following addresses are not correct and do not belong to me please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-07-24
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. (CA)

Two hard inquiries need to be removed from my transunion credit report immediately! 

TransUnion File # XXXX Hard inquiry errors to be deleted - XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 FTC Report # XXXX Also, see uploaded screenshots/ document.

Please provide proof of my signature, giving permission for any inquiries to be posted to my credit report for the dates above. 

If you can not provide my signature as proof of verification and validation, giving permission, then the above inquiries must be removed immediately. 

Or I will sue under the Fair Credit Reporting Act and Metro 2
Consumer complaint received 2017-11-22
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. (NC)

I have been back and forth with Transunion not reporting my true accurate credit report by continuing to report unauthorized inquiries on my credit file. This has been causing me stress and anxiety for several months. I have contacted the company regarding these unauthorized inquiries and have not heard back from them. Transunion is obviously refusing to help correct this problem. When I was first made aware of this issue I immediately had a fraud alert placed on my file but obviously this does not help either. The following unauthorized inquiries being reported are : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX. Transunion is violating my rights by continuing to report these unauthorized inquiries and this is also an FCRA violation.. The only outcome is for Transunion to immediately delete these unauthorized inquiries and send me an updated corrected copy of my credit report with these deletions. Transunion is clearly not out to help the consumer. Also, I WILL NOT ACCEPT ANY OTHER RESPONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES. I DEMAND THAT TRANSUNION NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.
Consumer complaint received 2023-01-19
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$3600.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX.
Consumer complaint received 2023-07-24
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-24
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-06
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. (CA)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these item are being reported correctly? Who verified these account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2024-06-18
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: ProCollect, Inc. (TX)

I have had nothing but problems with the collection agency named Pro Collect. They havent provided me with the correct information to address the collection on my credit i have requested all of this in a span of 6 months and never received it, Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
If they cant provide with all of this information that they so call have, then they cant legally collect on the so called debt of {$2700.00} owed. Thats not the original balance either. XXXX says that the {$2700.00} is past due. The account is closed. A closed collection account should never be reporting with a past due balance. Thats a violation. This account doesnt meet FCRA REGULATIONS AND REQUIREMENTS. This collection agency has failed to report this account accurately experian shows the account reporting inaccurate from XXXX it wasnt reporting on XXXX of XXXX. Thats a violation it was reporting XX/XX/XXXX up until XX/XX/XXXX. Starting XX/XX/XXXX it stopped reporting accurately thats a violation. It reported XX/XX/XXXX and it didnt report XXXX XXXX. Shouldnt all collections be reporting accurate information and if they cant they need to delete the account? Please modify all three credit bureaus with accurate information or DELETE THE ACCOUNT AS PER REQUESTED. This is illegal.
Consumer complaint received 2023-06-05
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (WV)

Repeated phone calls during work hours, on weekends and in the evenings, even after requesting they cease. 

Requested written documentation that had my signature showing I owed them money. This was never received.
Consumer complaint received 2017-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

On XXXX, I entered into a payment plan with Navient. They said my autopay for the full payment before the payment plan would be canceled even though it was due on XXXX. When I looked at my bank account on XXXX, they took out both the autopay and payment plan payment. I immediately called and they said they would refund the full payment that wasnt supposed to be processed but it would take 5 to 10 business days to be refunded. Having both payments taken out caused my account to be overdrawn. I was told during that call, I would be refunded any overdraft fees as long as I could show that Navient caused the overdraft. I had several online orders pending using my XXXX debit card authorized on the XXXX and completed on the XXXX. The funds for those officially got taken out of my account on the XXXX, XXXX and XXXX. I had an automatic payment plan that was due on the XXXX and it was not able to be changed as it had already been charged through their system. These caused me to have 7- {$35.00} overdraft fees. 
I received the refund for the payment on XXXX. I then called them once I had my statement of transactions. They issued {$70.00} for the 2 overdrafts for their payments. The representative said that she couldnt refund the additional as it was policy to only cover the overdrafts due to their payments. I then spoke to her manager and he asked why they should reimburse me. I explained that the 2 payments took almost half of my income and that I had money that I was planning on depositing to cover my payment plan payment and the additional charges that were to be coming out as the purchases were initiated prior to knowing that both payments processed. He said that if I could provide the receipts showing that the payments were authorized or scheduled before both payments were withdrawn that they would reimburse me for those transactions. 
I called back on XXXX after I uploaded the documents and receipts to them. The receipts all show a date of XXXX or before. The manager that time claimed that those receipts were after the date the loans processed so I should have known that both payments were coming out despite me being told that the autopay payment would be canceled and not come out when I entered into the payment plan. I didnt know until the XXXX about that and that I continued to spend even though I knew my account was overdrawn. I tried to explain to this representative what the manager the day before told me. The manager did notate the account that they would reimburse me but that the representative said his supervisor said they were after the XXXX but the first manager said they would cover anything before the overdraft was discovered. That supervisor wouldnt even allow me to talk to them and only gave me the answer through the representative.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2017-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

On XX/XX/XXXX, Ditech Mortgage servicing informed me that I had an escrow shortage of approximately {$21000.00}. This was apparently discovered after an escrow analysis was completed. Prior to this date, an escrow analysis had n't been completed in three previous years. When the shortage was discovered, I was given the option of paying the shortage in one lump sum or paying an additional {$340.00} on top of my new mortgage payment, This discrepancy resulted in my mortgage payment increasing by nearly {$1100.00} per month. Another escrow analysis was completed in XX/XX/XXXX and I continued to pay the additional payment and the correct escrow payment. When this analysis was completed, it included the payment of my property taxes that were to be distributed on XX/XX/XXXX. On XX/XX/XXXX, I refinanced my mortgage and paid off Ditech that included the escrow shortage and  the anticipated tax payment that was to be made on XX/XX/XXXX. I was also charged a minimum escrow balance amount of {$1700.00}, I believe Ditech owes me this payment as well as the anticipated tax payment of {$7700.00} which was part of the payoff amount that was made on XX/XX/XXXX. Ditech refunded me {$40.00}
Consumer complaint received 2023-01-24
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. (FL)

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

Account name : XXXX XXXX XXXX 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 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report AXXXX, this creditor, XXXX XXXX has violated my rights. Under, 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.Code 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.