davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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. (IL)

After my information was leaked in the XXXX data breach I've been a constent victom of fraud. Listed below is my FTC report listing all the fraudulent inquiries that were not authorized by me.please delete all inquiries, they're not authorized and are fraudulent. 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 XXXXXXXX XXXX XXXX,
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, my real estate professionals were contacted by XXXX XXXX of Fifth Third bank and advised that the investor, Freddie Mac, is unwilling to consider a short sale offer at fair market value for my property. The buyer 's offer is currently above the appraised value of $ XXXX, at $ XXXX. On XX/XX/XXXX, XXXX advised the minimum net proceeds the investor would accept to receive is $ XXXX and all she would need is a revised hud1 showing the proceeds would be coming to them. The buyer and my agents made multiple adjustments to meet the investors unreasonable sale expectations and submit a revised settlement statement back to XXXX XXXX with Fifth Third and Freddie Mac netting higher than the appraised value at a full $ XXXX net proceeds the same day, XX/XX/XXXX. We did not hear back from XXXX XXXX for several days, and then on XX/XX/XXXX she advised that she did in fact need more documents other than the revised hud1 she had asked for previously. All remaining documents were provided to XXXX XXXX via email on XX/XX/XXXX. Finally, 10 days after requesting incomplete documents, on XX/XX/XXXX, XXXX XXXX confirmed receipt of all documents again and advised she should have approval for us soon. 

When my real estate professional, XXXX XXXX, called into Fifth Third bank for an update on XX/XX/XXXX she spoke to XXXX, ID : XXXX. XXXX gave inaccurate information and advised that we still needed to send in the HUD1 with the minimum net proceeds to Fifth Third/Freddie Mac of $ XXXX, which was already provided and confirmed received by XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. 

My real estate team emailed XXXX XXXX to clear up the discrepancy on XX/XX/XXXX, but her email address of XXXX now returns undeliverable. 

My real estate professionals manager, XXXX XXXX, called in to discuss the discrepancies with Fifth Third and spoke to XXXX again. When XXXX was told that the reason for the call was to address the previous incorrect information she gave XXXX, XXXX became extremely defensive and combative. XXXX was rude and unprofessional. She repeatedly, even after being corrected and supposedly apologized, continued to condescendingly call XXXX by the wrong name ( referring to her as XXXX ). XXXX claimed there was no authorization on file for XXXX, but I have signed both XXXX XXXX 's authorization form and had the Fifth Third form notarized with her name on each. XXXX refused to allow my authorized real estate professionals to speak with a manager or anyone else who could address both her incorrect and misinformed account handling and extremely rude handling of my mortgage account.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (CA)

Hi my name is XXXX XXXX I sold my property the end of XXXX XXXX of this year paid my XXXX XXXX   bill like normal did not know I still owed some money to this company.. never received any statement saying I owe them more money.. The amount was only {$58.00} but a time I got this bill from Financial Credit Network to my new address this bill was already in collections I paid the amount.. contacted the company respectfully told him to delete this collections off my credit report.. they said that they wouldnt take it off my account that I needed to prove that I forward my mail to that current location.. The lady from this company was pretty much telling me that she needs an exclamation why was I hiding to pay this bill.. when I told her when I received this bill I contact you guys and paid it in full. So I am respectfully requesting a letter from Financial Credit Network stating that the negative credit information ( from Financial Credit Network ) will be removed with the credit reporting agencies.

this is the number to this company XXXX XXXX XXXX XXXX. PS thank you..
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 i sent the Consumer reporting Agency TransUnion and certified Letter TRACKING # XXXX with green return receipt. 

Letting TransUnion know, in accordance with the FAIR CREDIT REPORTING ACT, 15 U.S.C 1681c Section 605 reporting periods only run 7 or 10 years depending on the type of information. in my case, the information in question is OUTDATED and EXPIRED and needs to be deleted from my consumer report. 

Account name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-14
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 recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law 15 U.S. Code 1681e ( b ) - Compliance procedures for maximum possible accuracy.
Consumer complaint received 2022-09-27
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. (OH)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Notice for Request for Documentation of Legal or Equitable Chose in Action and Immediate Deletion Dear XXXX XXXX and all Representatives of Portfolio Recovery Associates, Sent via fax # XXXX Sent via Mail # portfolio recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Sent via Email @ XXXX I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX, last ssn XXXX XXXX XX/XX/1983 Your company has been illegally using my personal property In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : 1. Copies of any contracts, agreements, or instruments related to the chose in action.

2. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics.

3. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements.

4. Pertinent correspondence, communications, or notices related to the chose in action.

5. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 days. If the full documentation is not confirmed I demand full deletion of any accounts under the trust property under XXXX XXXX XXXX from the XXXX credit bureaus as well and send full proof of the completion. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter. 
Sincerely, By : XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-27
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)

XXXX XXXX XXXX has requested deletion of an unconfirmed balance from the main credit bureaus as they stated they would on XX/XX/19. However, Transunion will not acknowledge receipt of the request and would like for me to file yet another dispute which was done originally on XX/XX/XXXX. The {$500.00} with XXXX for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) should be removed from my credit report.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

The overdraft was caused by a stolenphone from a robbery.There were robberies at my car and they took my phones ( 2 phones ) from my hand and ran away from my car. ( So, I reported it to the police and there is a police case # XXXX, XXXX XXXX XXXX, reported on XXXX ) And they hacked and opened the Chase bank app using the XXXX transaction. 
And They transfer several transactions ( without my authorization ). 

These are the transactions & withdrawns totaling {$4000.00} that I DID NOT AUTHORIZED. 
- {$1000.00} x 2 times - {$2000.00} x 1 time -Total of {$4000.00} So, During these fraud transactions, I reported thefraud transaction right away to Chase bank and reported it to the police. After all, Chase refunded {$4000.00} instantly but they pulled {$4000.00} back!, because they investigated and decided that was under my authorizations. So, now I had the - {$4000.00} OVERDRAFT resulton my account and XXXX closed my accountwith OVERDRAFT action. ( Of course, I never gave the authorizations it was robbery. ) **Reference numbers : -Chase claim number : XXXX -Fraud Chase Checking account # : XXXX -New Chase Checking account which has been overdraft and closed ( after fraud account ) : # XXXX XXXX XXXX Unauthorizedtransaction amount and date : {$4000.00}, XXXX XXXX XXXX  Fraud ID name : XXXX -State by XXXX XXXX
Consumer complaint received 2019-11-24
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. (TX)

Please be advised that not only do I have no knowledge of the trade line XXXX XXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2019-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX # XXXX Re : Notice for Proof of Claim Account : XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debt

s States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2022-10-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over 60 days and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my new complaint that I am a victim of identity theft and I submit to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are REMOVED from other bureaus and I have doubts in their accuracy and the reported payment history on these items are a mystery to me. Here is the list of items that I specified for REMOVAL : 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 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 2022-10-01
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. (SC)

Information added to complaint IDs : XXXX I have made disputes with Transunion, XXXX, and XXXX for the collection account inaccuracy reported by XXXX XXXX XXXX from reporting 3 different account numbers to the credit bureaus in XX/XX/XXXX. 

XXXX  account number reported : ending in XXXX Transunion account number reported : ending in ending in XXXX XXXX account number reported : Ending in XXXX Transunion, XXXX, and XXXX have failed to investigate the accuracy of this collection.
Consumer complaint received 2018-06-07
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: EQUIFAX, INC. (FL)

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.
Consumer complaint received 2022-06-01
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. (GA)

In accordance with the Fair reporting Act 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  has violated my rights. 
*15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 ) *15 U.S.C 1681 section 602 A, states I have a right to privacy. 
*15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters three times for XXXX, Equifax and XXXX to respond verified and updated. You can see from credit report that is incorrect and inaccurate.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (MA)

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 ) 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 XXXXXXXX These above accounts have 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.