davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX DOB : XX/XX/XXXX Todays Date XXXX XXXX In accordance with the Fair Credit Reporting act. 

The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INQUIRIES : 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  ACCOUNTS : 1 ) XXXXXXXX XXXX XXXX XXXX XXXX ( ALLEGED ACC XXXX XXXXXXXX ( DATE ALLEGED OPENED : XX/XX/XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 2 ) XXXX XXXX XXXX : ( ALLEGED ACC XXXX XXXX XXXXXXXX ) ( DATE ALLEGED OPENED : XX/XX/XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 3 ) XXXX XXXX XXXX  ( ALLEGED XXXX XXXX XXXX XXXX ) ( DATE ALLEGED OPEN : XXXX  ) ( ALLEGED ORIGINAL CREDITOR : XXXX XXXX ) ( ***REINVESTIGAION OF DEBT REQUESTED ) ( NO RESPONSE 45 DAYS ) ( DEMAND IMMEDIATE DELETION ) 4 ) XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ) ( OPENED : XXXX  ) ( ALLEGED LATE PAYMENT DATE : XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 5 ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XX/XX/XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 6 ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENEDXXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XXXX  ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-19
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. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-19
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. (FL)

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$790.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$910.00} XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$790.00} Inquiry : XXXX XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-19
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-11-19
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/23 I submitted letters to the credit reporting agencies to initiate an investigation into items that are being reported on my credit report that are inaccurate. I either received no acknowledgement of my documentation or received an email that stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This message, and the lack thereof, indicate that these credit reporting agencies received my investigation documentation, yet willfully neglected FCRA Section 611 ( 15 U.S. Code 5 1681i ) titled Procedure In Case Of Disputed Accuracy which states, " In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the ( 30 ) day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' These agencies have also been notified of this neglect which I will be providing documentation for.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MI)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  //// DIVERSIFIED CONSULTANTS #  XXXX   XXXX   XXXX   XXXX   XXXX ,, FL  XXXX   XXXX  The y are  calling on a   XXXX   XXXX   XXXX   XXXX   owing  them  XXXX   which is false i returned their equipment to the   XXXX   XXXX   per their receptionist at   XXXX   XXXX   XXXX   XXXX   she told me there was no other amount owed due to the fact i returned their equipment in due time now this company is trying to collect money from me and the   XXXX   XXXX   XXXX   XXXX    receptionist from  their main office warned me of false collection from these people it is happening quite a bit to their past customer and she told me not to pay them and to report their false way of doing business to the correct people they are these   people are not giving    XXXX   XXXX   XXXX   XXXX    a vey good name  she was from their Florida office please have  them st op asap
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. (LA)

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 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (UT)

AFNI collections is reporting an errenous collection on my credit. I recently checked my credit and noticed this debt reporting. I called immediatley and settled the debt. I was completely unaware about any debts because I never received calls or notices regarding this debt. This violates my 30 day right to dispute this account must be removed from my credit file This has been paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-04-15
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ME)

Amex blocks merchants with no reason, told me to keep trying different merchants, the merchants I am trying to use the card on are blocked, even though they accept Amex. Amex told me to use XXXX, but i do not shop at XXXX. I should not be directed where I may use the card, my funds are basically being held XXXX
Consumer complaint received 2024-11-19
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXXXXXX 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-30
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)

D

espite the multiple previous written requests, the unverified this 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 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX
Consumer complaint received 2023-06-30
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-01
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: Insikt, Inc. (CA)

Lendify Financial is reporting an account in my name that was deemed not mine when I settled this with one of there representatives a while back they couldnt furnish proof that this was mine and therefore under the fair credit reporting act this is not supposed to be back on my credit when they removed it the first time now its back again on my XXXX  report and not on my XXXX  or XXXX  credit report this is inaccurate credit reporting and shouldnt be on my credit anymore and want it removed immediately
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 any items which is found to be fraud 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. Please remove these items. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Balance : {$550.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 2017-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I am extremely upset with Everbank and I need to CFPB to help. I am  XXXX   XXXX    XXXX   and they are discriminating against me. The sales practices are deceptive, and they are also committing predatory lending. My ex-wife and I got divorced and that was finalized in   XXXX   XXXX    . Per our divorce decree, I was keeping the house in the divorce settlement. I was advised by  XXXX  legal that because our mortgage is a VA mortgage we could complete an assumption instead of having to refinance to get my ex-wife off of the house. I called Everbank and spoke with  XXXX   XXXX  in  XXXX    XXXX  , who stated that No, Everbank does not do assumptions and they dont have any way to do them. I had to refinance since that was the only way to get her off the house. He then quoted me about {$8000.00} to refinance. When I told him I didnt have that kind of money, he told me to shop around and if anyone else got me a better deal on closing costs he would match it. I shopped  XXXX  and  XXXX   XXXX , who both advised me that I did not have to refinance ; I could do an assumption because it was a VA mortgage. I called  XXXX , and again he claimed to know nothing about that. I went directly to the VA, who confirmed that yes, by regulation Everbank has to remove my ex-wife from the house once they have approved the release of liability. The VA approved the release of liability in   XXXX   XXXX   XXXX    . I sent everything to Everbank the same d ay ( div orce documents, quit claim deed, VA approved release of liability ). Everbank will not remove my ex-wife from the mortgage. They keep insisting I refinance, and every time I call or my ex-wife calls they give us a different answer. By federal law and regulation, they have to adhere to the VAs guidelines, and they just wont. They wont help me because theyre not making the money off refinancing from me. Now theyre saying they will just stop reporting to the credit bureaus for my ex-wife, but she has to stay on the mortgage WHICH MAKES  XXXX  SENSE. I have sent them the lenders handbook, which states she needs to be removed from the mortgage and outlines that they can not charge more than {$350.00} to amend their documents, but they will not do anything about it. Now theyre saying that the person in charge of this request is  XXXX   XXXX  who is the same person that told me Everbank does not do this kind of thing and he will not help me or return my calls. I think he just wants the commission to refinance.  XXXX  and everyone at Everbank are extremely deceptive. The customer service agents talk down to me, and I feel as though it is because I am in the  XXXX . I just want them to remove my ex-wife from the mortgage per the regulations! They also only have 30 days to do it which is about to be up in 10 days.