davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
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. (NE)

They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by XXXX XXXX , XXXX. This is not my account and needs to be removed from my credit report immediately.
Consumer complaint received 2020-05-10
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. (NE)

They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by XXXX XXXXXXXX , XXXX. This is not my account and needs to be removed from my credit report immediately.
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (CT)

I have filed a complaint in regards Nationwide Advantage Mortgage reporting me to credit bureaus affecting my credit file and creating a big financial burden on my business ability to get bonded and obtaining credit as well they had said yhey were going to remove the late payment they said I was late on in which I made the payment on XX/XX/XXXX and they proceeded it XX/XX/XXXX my credit score has drastically dropped Nationwide is preventing me and my family hardship not allowing us to refinance our mortgage due to reporting us to the credit bureaus they even stated for me just to quick claim the home to them me and my wife have been paying The mortgage 9 years this is how Nationwide repays it customers they said the would inform credit bureaus to remove the late payment pass 30 days and they have n't I disputed my late payment with transfusion and they said that Nationwide said it was accurate they lied to me and CFPB in not fulfilling their part. Loan # XXXX
Consumer complaint received 2024-02-02
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 have reported to XXXX XXXX identified theft. They told me to be patient while they investigated. They have been investigating for over 60 days and are also reporting on my credit Im not paying by bill. 
They told me not to pay the bill because it is fraudulent. Why are they reporting to my credit report that Im not paying my bill?
Consumer complaint received 2020-05-10
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: Experian Information Solutions Inc. (IN)

I have attempted, repeatedly, to file a dispute and keep receiving an error message stating, " We're experiencing technical difficulties and can not access your report at this time. ''
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion refuses to publish my credit history for more than two and a half years. They claim I have no history prior to that. TransUnion also shows a credit score deduction negative XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and there is no reason stated for why the score went down. TransUnion refuses to rectify or answer with any type of reason whatsoever to these two issues. I am constantly told they can't give me that information and redirect me to an automated number that just wants me to pay for a service.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-02-02
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. (MS)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.
Consumer complaint received 2024-02-02
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. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State Safe at Home Program. Refer to Missouri Statues Chapter 589.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Recovery Management (FL)

Once I became aware of the accounts with Fox Collection, I sent them a request for validation letter requesting documentation and at this point they have failed to send documentation to support that request. Not only did they fail to send requested information they have violated the FDCPA in which they continue to report an account that has not been validated. They continue to verify this account with the credit bureaus also though they have fail to validate the debt. Both which are violations of the FDCPA. 

I have been in contact with XXXX XXXX at this company to no avail to try to get this issue resolved prior to filing this complaint however he fails to acknowledge the violation and come to a resolution.
Consumer complaint received 2018-06-04
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 — Problem with personal statement of dispute
Company: Risecredit, LLC (CA)

XX/XX/XXXX account was settled in full. I called Rise on XX/XX/XXXX, to ask for the balance since I will be settling the account in full and early and made a commitment to pay it on XX/XX/XXXX without late fees and they agreed. Lately, I was checking my credit score and found they have reported that I have a late payment in XX/XX/XXXX which is not agreed during the call. I called Rise and inform disputed that I should not have a late payment, one of the rep agreed and will get back to me. Waited for a month and didn't get an update. I called them again and the rep told me it was valid but don't have the proof to send me how he validated the missed payment. I need help to have this removed from my report with XXXX  as it was not accurate reporting.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Response ( XXXX XXXX XXXX  ) Account Ending In : XXXX Dear XXXX XXXX, Thank you for your correspondence to XXXX XXXX. 

Our records indicate we did not send you a 1099-C form as your account is not eligible to receive one. 

Our banking procedures regarding unsecured lines of credit have been designed to accommodate all our customers and protect our business. Please be assured that XXXX XXXX complies with all regulatory agencies governing our business.

The Cardmember Agreement states that using the Card serves as acceptance of the full terms and are bound to make all payments on time. If you do not make payments on time in accordance with our terms and conditions, the account may be subject to late fees and finance charges being assessed, suspension of charging privileges, a penalty Annual Percentage Rate ( APR ), along with reserving the right to report the account as delinquent to all credit reporting agencies.

We hope this information has been helpful. 


Sincerely, XXXX XXXX XXXX XXXX Executive Assistant  Hello XXXX XXXX, It appears that I have one item ( 1 credit card ( XXXX ) ) on my credit report from your company that have been turned into a charge-off recently. I noticed that your company has never sent me any 1099 concerning the cancellation of the debts Would you be so kind as to send me a 1099 for a Cancellation of Debt of this item, due to my financial hardship. I would greatly appreciate it as Ive gone through a serious financial hardship. And this would greatly help me with my credit in the future.
Consumer complaint received 2024-02-02
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I sent certified mail to XXXX disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with XXXX and included a copy of the XXXX XXXX of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think XXXX is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to XXXX, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This company is in direct violation of 15 U.S. Code 1681c2 ( A ) .On or around XX/XX/XXXX I filed a FTC complaint regarding identity theft and then I wrote this company informing them of my data breach and then I asked XXXX to block said information which was a XXXX XXXX XXXX account to which it has been more then four days since I demanded said block and this company has failed to honor my request.
Consumer complaint received 2024-02-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have previously disputed, XXXX XXXX XXXX # XXXX. With you and in response you verified the item as accurate. Stating that you have verified the information with the court. 

I contacted the court and their response is enclosed. It is clear they do not report to you or any other bureau. Therefore, your response verifying the item with the court was either a lie or not correct. The reporting requirements do not comply with Fcra s 611 ( 15 u.s.c. S 1681. And the information must be deleted.
Consumer complaint received 2024-02-02
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XYZ Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal. 

Yours Truly XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2017-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

on X/XX/2017 Coinbase wrongfully transferred money out of my bank account and is now refusing to pay it back. When confronted by my bank account transaction proof, they simply refuse to show any proof and are simply ignoring my requests They now have locked my account for 60 days, so I cant even take out my US Dollars valued around {$3900.00} from my account
Consumer complaint received 2024-02-02
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. (AK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-02
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. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$560.00}
Consumer complaint received 2024-02-02
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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-12
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. (NJ)

Transunion was sent new information based upon Section ( 609 ) of the Fair Credit Reporting Act. Transunion did not respond with proof of debt that was received from the creditor. As a result, Transunion 's response is unsatisfactory. Based upon Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). As we know the burden of proof is on Transunion to provide accurate proof of debt which has not been done. Thus said I am requesting that Transunion provide the original proof that was sent to prove this debt is mine. I am requesting documentation of contracts and original signature. If this can not be furnished I am requesting that the in question debts be removed from my credit report effective immediately. 


Transunion has also been asked to investigate multiple inquiries on my credit report which has not been done as well this has been requested more than two months ago.
Consumer complaint received 2020-10-12
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. (IL)

I have had my credit card for years and have a great payment history with my XXXX XXXX/XXXX  account and there is nothing being reported towards payments or credit line with this card. It was on my report for years and for the last 5 or 6 months it doesnt appear on any credit report ive spoke to credit card company and all credit bureaus and noone seems to know why or how to help me.
Consumer complaint received 2018-12-03
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. (SC)

My credit profile continues to show that I am 90-119 days late on my XXXX XXXX XXXX account. The amount is {$73.00}. However, I paid the card off over two months ago. I paid it off before it was 30 days late ; however, the company is continuing to report that it is not paid. When I log into XXXX XXXX XXXX website, the balance continues to say XXXX. I have written a letter and mailed it to the company. I paid to have the letter certified, so that I know someone at the company received it. However, the account is still being reported as late. They have not updated the information.