davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
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)

XXXX XXXX XXXX XXXX XXXX identify account number by social security last XXXX XXXX number, XXXX XXXX identify account by social security number last XXXX XXXX XXXX. XXXX USC 1692 c Law clearly states If a consumer refuses to pay a debt, the debt collector must cease all communication. Including removal of credit reporting.

3. 15 USC 1692 ( g ) debt validation. Validate the debt, according to consumer law once notified debt collector must immediately stop reporting or validate the date.

4. 15 USC 1681 ( b ) Permissible purpose. Please send me an original contract with original wet signature proving proof consumer in contract also a verified letter of consumer giving authorization to report on credit report. This is a direct violation of consumer law sit in place by the FRCA and USC.

5. 15 USC 6802. ( OPT OUT ) Company refusing my consumer rights to opt out a direct violation of my consumer protection rights.

6. 18 USC 1028 ( a ). Passing information without lawful authority. Is Aggravated Identity Theft. XXXX TransUnion and XXXX are all involved in this conspiracy with these debt collectors.

7. 15 USC 1692 ( f ) part 6 unfair practice. Disclosure of personal information to a third party without authorization from the consumer is identity theft. Every company on the credit report is involved in identity theft including XXXX, TransUnion and XXXX. When a company send a collection agencys, repo companies a consumer personal information without authorization from the consumer, thats identity theft and its being reported on these credit bureaus platform is the proof the courts need. 
No consent has been authorized from the consumer XXXX XXXX XXXX Therefore XXXX, TransUnion and XXXX must be Investigated also for playing a major roll helping these companies violate every major consumer protection law, under USC. also send the consumer a full report on everything law mentioned above showing every company is operating by FRCA consumer laws and not in violation of not one law mentioned above including all three credit bureaus, please show proof that your companys are not in violation of any code mentioned above which if not operating under law. A judgment of summary must be filed on each and every company in violation.
Consumer complaint received 2024-10-24
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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-24
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (CA)

this is a follow up to complaint XXXX which was previously filed, and your do nothing service which dismissed this with no research. i have filed identity theft report # XXXX with FTC. also made statement to comenity bank ( acct # XXXX last XXXX digits ) and XXXX XXXX ref # XXXX. i have received communication from XXXX XXXX acknowledging the identity theft involving me, and their letter stating file closed and collection process terminated. i would like your records corrected to show this error has been resolved. i also demand you contact the XXXX credit reporting agencies to correct their files so my credit record is relieved from this impingment.
Consumer complaint received 2024-10-24
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. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (OH)

I saw an account on my credit report that is reporting incompletely and inaccurately. Your industry standard requires to have the MOST ACCURATE AND COMPLETE INFORMATION. 

Account XXXX - XXXX Account status - how is the account open if the term was 1 month and date opened in XXXX? How is this possible? 

I have disputed this account and its listed as " Account not disputed '', why is that? 

What is the date of last activity? 

What was the payment amount?
Consumer complaint received 2024-10-24
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. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
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. (VI)

On XX/XX/year> i received XXXX credit alerts that my credit was pulled by XXXX institutions. 

XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize these credit pull to my credit report and requested that they be removed immediately.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

On XX/XX/year> I paid off my credit card through a debt consolidation loan. My card had a XXXX balance. On XX/XX/year> Capitol One charged me {$49.00} interest for a card with a XXXX balance. They refuse to remove the interest after I asked then how they can charge interest on a XXXX balance. I'm trying to close my card but they will not remove the interest so I can close the account. I don't understand how I can have interest on a card that has a XXXX balance.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2024-10-24
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. (TX)

I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.
Consumer complaint received 2024-10-24
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. (NC)

i am writing to formally dispute and request the immediate fraudulent accounts and inquires listed on my transunion report, which are the results of identity theft. As a victim of identity theft, i an protected under the FAIR CREDIT REPORTUNG ACT ( FCRA ). According to Section 605B of the FCRA, i have the right to request removal of fraudulent information resulting from identity theft from my credit report. i appreciate your prompt attention this matter. As mandated by law, i expect these fraudulent accounts and inquiries to be blocked and removed from my credit report immediately to prevent from further damage to my credit. thank you for your cooperation.
Consumer complaint received 2024-10-24
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. (NC)

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.
Consumer complaint received 2024-10-24
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. (NC)

I am reaching out for help regarding the false account being shown on my credit report. This mistake has hurt my reputation, and I need your support to fix it. The way you've handled my credit report has left me in a difficult situation, as the incorrect reporting has caused significant damage to my reputation. Please ensure these mistakes are taken off my report.
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. (MA)

My name is XXXX XXXX My adress is XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX RE : Last 4 of SSN : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made + by the following companies : Inquiries : XXXX. ( XXXX XXXX XXXX XXXX. XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. ( XXXX XXXX XXXX XXXX. XX/XX/XXXX ) XXXX. XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX 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. 18 I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's 164 office, should you continue in your non-compliance. I further remind you that, as in wenger v.trans union corp, no 95-6445 ( C.D.Cal.nov. 14, 1995 ), you may be liable for willfulw non-compliance.
Consumer complaint received 2024-10-24
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)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2024-10-24
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. (CA)

I AM WRITING IN REGARDS TO THE FRAUDULENT inquires ON MY ACCOUNT IVE FILED A FTC REPORT. FTC Report Number XXXX THESE ARE HIGHLY AFFECTING MY CHANCES AT NEW CREDIT PLEASE REMOVE ASAP UNDER 15 USCODE 1681c-2- BLOCKING OF INFORMATION RESULTING FROM IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-10-24
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
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)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX  XXXX XXXX XXXX  Balance : {$36000.00}
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as collection. This account was paid in full to XXXX and the original creditor is continuing to report as an unpaid charge off to all 3 credit bureaus. Attached is proof of how its reporting and records that XXXX gave me written notice that I am no longer liable for this account.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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