davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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)

RE : XXXX  Block Request To Whom It May Concern, 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 {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$320.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have requested an initial reinvestigation of the XXXX XXXX XXXX accounts listed above due to the furnishing inaccurate and incorrect information on my consumer report. Your company has been put on notice for furnishing incorrect and inaccurate information. I have sent you several requests asking your company to cease and desist on reporting inaccurate information on my consumer file. I have enclosed my previous letters showing you that the information you are reporting is indeed inaccurate. Reporting this inaccurate information has caused damage to my reputation, my character, and my general ability to obtain credit for myself or my family. Pursuant the law listed below, the reporting of inaccurate information is prohibited by law. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Accurate definitions The term accurate means free from error or defect ; consistent with a standard, rule, or model ; precise; exact.

free from error especially as the result of care Accurate information, measurements, and statistics are correct to a very detailed level.

free from mistakes or errors In conclusion your company has been put on notice that you are reporting inaccurate information. I have enclosed several documents showing that this information is inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. This is a final opportunity to CURE and DELETE this inaccurate account from my consumer report. Also failure to comply will be a violation of 15 U.S. Code 1681n Civil liability for willful noncompliance.
Consumer complaint received 2024-10-23
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. (CO)

XXXX XXXX XXXXXXXX is still in violation of the federal FCRA law, by not correcting information in the data they send to the credit reporting agencies. This has been going on for over 90 days and has impact costs of tens of thousands of dollars of increased rate and monthly expenses. 
This account has always been on Auto Pay and therefore has always been paid on time. For XX/XX/year>XXXX XXXX XXXX XXXXXXXX are reporting a late notice ( 30 or 60 day ) to the credit agencies. That is not correct. There was some internal payment processing error on XXXX XXXX XXXX XXXXs side - a support person informed me of that -- and so it is there fault they didn't take a monthly amount correctly with their own Auto Pay system. 
Again, this account has always been on Auto Pay, and therefore has ALWAYS been paid on time. There should be no 30, or 60, or 90 day late notices. It should be marked and reported as always paid on time.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I purchased a XXXX in XXXX and had been paying the mortgage by auto pay for the last 15 years, however in XXXX the mortgage sold the mortgage loan to XXXX XXXX  and reported the mortgage payments late even the the account number never changed and they were still receiving payments. These payments were never late, but they are still showing on my credit report as late, even though the company said this was there mistake. They assured me that the late payments would be removed, however they are still showing late on my current credit reports.
Consumer complaint received 2024-10-23
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. (NH)

On XX/XX/XXXX I filed an FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer XXXX ( Transunion ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the ( XXXX account number ) and ( XXXX account number ). Transunion has DENIED my request to block the accounts ( Please see attached documents regarding denial ). These accounts have resulted in several fraudulent late payments appearing on my consumer XXXX Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # ( XXXX ) and # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-23
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. (AR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX, XXXX Dear TransUnion I am writing to update/correct my personal information on file with your company. 
Please update my address to : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Please update my name to : [ XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely XXXX XXXX
Consumer complaint received 2024-10-23
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. (FL)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : [ Name of Creditor ] Account Number : [ Account Number ] Date of Charge Off : [ Date of Charge Off ] Amount : [ Amount ] I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (PA)

I was stunned when I saw inaccurate accounts on my credit report this morning. I have no idea where they came from! I check my report regularly, and this has never happened before. I tried refreshing my browser, hoping it was just a glitch, but the wrong accounts were still there. Now Im requesting that you carefully review the documents I sent so that I never have to worry about this happening again.
Consumer complaint received 2024-10-23
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear TransUnion While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date
and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, The XXXX XXXX XXXX wrote the debt off on their taxes and received a profit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
12 CFR 1006.34c, Notice For Validations Of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am exercising my rights under the FDCPA to request the following information : XXXX. The Purchase Assignment Agreement XXXX. XXXX XXXX XXXX is authorized to collect on behalf of the XXXX XXXX XXXX XXXX 
XXXX. Profit/Loss Statement of XXXX XXXX. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Proof that XXXX XXXX XXXX XXXX XXXX  securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX XXXX to the Secured Trust and then back to XXXX XXXX XXXX XXXX XXXX 
XXXX. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX XXXX ( & ) XXXX XXXX XXXX XXXX XXXX The amount paid to purchase this debt from XXXX XXXX XXXX XXXX 
XXXX. The XXXX, since this debt has been charged off, written off. 
XXXX. The authorized printed and signed signature of XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXThis Is Inaccurate InformationXXXX 
XXXX. The Account is reporting as A Charge Off, and as Past Due, but no no actual payment amount, and open. How can this account be reporting as past due, and open and charged off, without a scheduled payment, no date of last payment, and a date of delinquency of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am demanding that XXXX XXXX XXXX " DO NOT '' send me a printed computer generated itemized statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-24
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. (WI)

This morning, I found unauthorized inquiries on my credit report and have no idea why. I checked it like I always do, but suddenly, discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries were still there. I urgently need the documents I've submitted to be reviewed carefully, so I don't have to worry about this ever again.
Consumer complaint received 2024-10-23
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 recently reviwed a copy of my credit report and notice i had fraudulent account on my report. Please remove this account from my report. this is hurting my ability to obtain credit. Account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (AZ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-23
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2024-10-23
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. (TN)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent two letters requesting that my credit report be mailed to me and I have not received on report yet. They keep sending stall letters out requesting the same information that I keep providing.

In addition to these letters being mailed to the three credit bureaus, I have asked that my personal information be updated as my name, address, phone number, and employment information.
Consumer complaint received 2024-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NM)

My account with Mohela was put into deferment without my request. They said that they were suspending the payments in may due due to the transfer of Mohela loans to the Department of Education, but then put my account into deferment in XXXX. 

I am a teacher working towards PSLF, and this is going to set me back in loan forgiveness. 

I submitted a complaint about this and asked that it be seen by the FSA ombudsman, and they have not done this.
Consumer complaint received 2024-10-23
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. (GA)

TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion, date last active for XXXX is XX/XX/XXXX and date last active for XXXX is XX/XX/XXXX. 



XXXX XXXX ACCT XXXX- Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion, date last active for XXXX is XX/XX/XXXX and date last active for XXXX is XX/XX/XXXX. 



XXXXXXXX XXXX  ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is XX/XX/XXXX and date last active for XXXX XXXX XX/XX/XXXX. 



XXXX XXXX ACCT XXXX - Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is XX/XX/XXXX and date last active for XXXX XXXX XX/XX/XXXX. 



XXXX XXXX ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is not reported and date last active for XXXX XXXX not reported. 



XXXXXXXX XXXX ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is not reported and date last active for XXXX XXXX not reported. 



XXXX XXXX ACCT XXXX Delete this account for violation and inaccuracy because the date last active is XX/XX/XXXX for TransUnion XXXX date last active for XXXX is XX/XX/XXXX and date last active for XXXX XXXX not reported.