davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
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 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 2024-11-03
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 writing to formally request the blocking and deletion of accounts and inquiries listed below that have appeared on my credit report. As a victim of a recent data breach, these accounts were opened or accessed fraudulently without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you take immediate action to remove and prevent further reporting of these accounts. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-07
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)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-07
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. (FL)

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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Your failure to validate disputed late payments on my credit report violates federal law. Despite my written dispute over 30 days ago, you have not responded or provided required documentation as mandated by the Fair Credit Reporting Act.
Consumer complaint received 2024-11-03
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)

An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus. I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA. I have not received a follow up or deletion from my report.
Consumer complaint received 2024-11-03
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. (NY)

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XX/XX/year> Hey Credit Transunion, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-03
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. (MN)

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 2024-11-07
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 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 2024-11-07
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. (GA)

I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft. 

The fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed this fraudulent account from my report at once
Consumer complaint received 2017-11-07
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. (CA)

Hi my name is XXXX XXXX XXXX, # the Following Crimes have happened to Me Financialy Losses # My 1st Report is = Transunion Credit report = this Transunion account shows a Criminal Acts, that were Theft & Fraud, Embezzlements, etc More. 
on the issues of = Loans, Advances, Lines of Credit, credit cards, etc made in my Name ID, CDL, SSN, Adress & Pictures and mayby more Not Telling  from Criminals were the Real Estate Targeted Places were Transacted for Crimes = IRS.gov property Tracers from Cyber or Phone # Transunion # XXXX XXXX XXXX, svcs web bank # XXXX,,, XXXX. XXXX XXXX, XXXX, tx XXXX XXXX credit limit = XXXX $ # balance = XXXX $ I know for a fact this computer was tampered with by the fraud & thefts accounts on my reports, plus it kept getting hacked into by cyberv criminals, I told the security, softwareof this and XXXX, I will report it to the cfpb, and all retaining docs, not saying I, m not paying but, what part do I pay at the end of your investigations help? date opened = XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I would like XXXX XXXX to help also in full with this issues please. 


2 # XXXX XXXX XXXX # XXXX,,, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX, XXXX,, creditor =XXXX XXXX XXXX {$640.00} $ Balance, =balance = due = XXXX $ very weird amount error?,, dates are wrong on opening, and closings = date updated on XXXX, XXXX # XXXX XXXX # XXXX,,, = XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ia, XXXX,, opened = XXXX/XXXX/XXXX ending date = XXXX/XXXX/XXXX,,, type unsecured credit XXXX XXXX, owing due = XXXX $ date closed = XXXX/XXXX/XXXX,,,, past due = XXXX $ XXXX. 


4 #, Attn this is all for my Transunion Reports # Financial Losses, Please Tell me who should I go to to Calculate Banking Loss $ Gas $ Time % $ Mental Anxiety, Wear Tear on Car Mileages Please,
Consumer complaint received 2024-11-03
Product: Credit reporting 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. (TN)

XXXX XXXX placed collection on my credit report, removed it, and then placed it back in without properly notifying me. Transunion and XXXX should have sent me a letter notifying me that this was placed back on my report.
Consumer complaint received 2024-11-03
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. (FL)

In accordance whit the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Last month I called XXXX XXXX to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could grant and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in Illinois I have been paying the mortgage in Florida since XXXX and the bills in florida on top of my rent here and bills here in Illinois. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this I wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im XXXX  and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Now there are two late payments on my credit.
Consumer complaint received 2024-11-03
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. (VA)

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inaccurate Reporting Dear TransUnion, I am writing to formally address a serious concern regarding your recent handling of my consumer report and the lack of compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance. TransUnion I noticed that your company has displayed my closed account with XXXX XXXX XXXX as a charge off on annualcreditreport.com This account has been reported inaccurate for over 1 year. But When I sign into the TransUnion app my account is listed as Paid, Closed, paid as agreed with remarks SETTLED -LESS THAN FULL BALANCE -CLOSED. TransUnion you are in violation of the FCRA for inaccurate reporting of my account. If this account isn't removed within 5 days of this letter I will pursue a civil action lawsuit against your company for reporting inaccurate information on my credit report. 

I have previously contacted your office regarding discrepancies in my credit report and have yet to receive a satisfactory resolution. Should you send me another stall letter without addressing my concerns, I will pursue legal action against TransUnion for the willful failure to comply with the requirements imposed under the FCRA. 

As stipulated in 15 U.S. Code 1681n, I am entitled to seek damages for any harm caused by your noncompliance, which includes actual damages sustained or a statutory amount of {$1000.00}, whichever is greater. 

I urge you to take this matter seriously with a quick response to resolve my concerns. I expect a detailed response addressing my issues. 

Thank you for your immediate attention to this matter. I hope to resolve this issue amicably and await your swift response.
Consumer complaint received 2024-12-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BC SERVICES, INC. (CA)

BC Services , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Case # XXXX Writ of Continuing Garnishment letter received XX/XX/year> garnishment active XX/XX/year> Please see this letter in response to the case listed above. My wages are currently being garnished by XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This abrupt action caused a hardship with my living situation as the sole provider in my household I'm unable to pay rent with 25 % of my pay being taken. 
I asked for information pertaining to the accuracy of the date, amount and nature of the charge I am being accused of as well as a copy of the document that authorizes BC services to collect on my behalf. By the statute stated below, they are operating illegally and garnishment services must cease at once! 
Collections are not inherently illegal, but certain practices in debt collection are regulated or prohibited under federal and state laws. The most notable federal laws include : XXXX. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692-1692p The FDCPA regulates debt collection practices to prevent abuse, harassment, and unfair treatment. Under this act, the following practices are illegal for debt collectors : Harassment or Abuse : Using threats, profanity, or repeated calls to harass a debtor ( 1692d ). 
False or Misleading Representations : Misrepresenting the amount of debt or impersonating a government official ( 1692e ). 
Unfair Practices : Attempting to collect unauthorized fees or contacting third parties without permission ( 1692f ). 
Contacting You After a XXXX XXXX : Continuing communication after you request in writing that the collector stop contact ( 1692c ). 

XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 The FCRA governs how debt-related information is reported to credit bureaus. It prohibits : Reporting inaccurate information to credit bureaus ( 1681s-2 ). 
Failing to investigate disputes about incorrect credit information ( 1681i ). 

XXXX. State Laws Many states have additional laws that regulate debt collection. For example : XXXX XXXX Fair Debt Collection Practices Act : Mirrors the FDCPA and adds protections against creditor harassment. 
XXXX XXXX XXXX XXXX : Prohibits threats, coercion, and other abusive tactics in XXXX. 

When Debt Collection Becomes Illegal Debt collection is considered illegal if : The debt is beyond the statute of limitations ( varies by state ). 
The debt was discharged in XXXX  and collection attempts continue. 
The collector does not verify the debt when requested under the FDCPA. 
The collector does not comply with licensing requirements in states where licenses are mandatory for debt collection. 

I believe this debt collector is acting illegally, which is why I'm filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and also consulting an attorney to address potential violations. 

Signed, XXXX XXXX XXXX