davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im working on fixing my credit and I tried many times contacting Transunion credit agency online and over the phone to no avail. The phone number ( XXXX ) XXXX asks if over XXXX to enter a digit, I did and wants to sell me a medical product. It does not give me an option to speak to a representative and it doesnt say anything about credit issues. I created an account online twice entering my ss number and personal data and it does not recognize my information and does not allow me to login. It tells me the system does not recognize my information. I am monitoring my accounts through XXXX XXXX. There are two incorrect status on two creditors only on my Transunion credit report. One of them is the balance amount should be XXXX. The other creditor shows three accounts when its only one account. Trans Union is not professional. They should not be monitoring anything financial if they dont have their systems together and functioning. Also. its the lowest credit score out of the three agencies. XXXX XXXX
Consumer complaint received 2024-08-20
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. (AL)

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

15 U.S.C 1681 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-08-19
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. (LA)

I am filing this complaint because I am having trouble with a XXXX  loan servicer called 'Dept of EdXXXX XXXX and incomplete account on my credit reports. I disputed their account in XXXX of 2024. The issue that the account had was its incompleteness. The payment history specifically. I recall the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) stating that after the have a received a dispute from a C.R.A about an account they furnished, they are required to investigate the matter along with any supporting documentation provided to them as the data furnisher. I have given them ample enough time to conduct a reasonable investigation about the account I have with them, and I was very clear stating that the payment history of the account they furnished fails to report complete payment history on my credit reports with the consumer reporting agencies. This company did not do a reasonable investigation, and I believe they are not looking beyond what is currently in their system pertaining to the correct information needed to update and correct the incomplete account because the same disputed information was not resolved rendering the disputed information incomplete. They updated information that has nothing to do with the issue I prompted them to fill in and correct. They went around the actual problem instead of addressing it. According to the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) ( E ) data furnishers are required to promptly delete an incomplete account if they failed to correct it because at that point it would be considered to be unverifiable. Why are these creditors not taking accountability? They are abusing their power and screwing up our livelihoods as living breathing human beings. A group of humans toying with another human 's life due to negligence without a care as to how it could affect that person even labelled as a consumer. It is not fair. According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-19
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. (DE)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-08-20
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)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX  - XXXX XXXX - XXXX
Consumer complaint received 2024-08-19
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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX and XXXX  - XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-19
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. (MI)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-19
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)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-19
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 need your help with the incorrect account that is being reported on my credit file. This error has been extremely harmful to my reputation, and your assistance is crucial. Your mishandling of my credit information has brought me to a breaking point, and my reputation has been severely damaged. These mistakes must be corrected so I can protect my family 's future.
Consumer complaint received 2024-08-19
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have removed these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Debt Validation and Contract from XXXX XXXX  Dear TransUnion, I am writing to dispute an alleged debt reported on my credit report by XXXX XXXX  XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt and a copy of the original contract or agreement that bears my signature and that XXXX XXXX claims gives them the right to collect this debt. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The name on file of the alleged debtor. 
XXXX. The alleged account number. 
XXXX. The address on file for the alleged debtor. 
XXXX. The amount of the alleged debt. 
XXXX. The date the alleged debt became payable. 
XXXX. The date of the original charge-off or delinquency. 
XXXX. Whether this debt was assigned to XXXX XXXX or purchased, and if purchased, the amount paid for the debt. 
XXXX. The commission for the debt if collection efforts are successful. 

Additionally, I request copies of the following : XXXX. The agreement or contract that grants XXXX XXXX the authority to collect this alleged debt. 
XXXX. Any signed agreement that I have made with XXXX XXXX, or any verifiable proof that I have a contractual obligation to pay this debt. 
XXXX. Any other agreement bearing my signature wherein I agreed to pay the creditor or XXXX XXXX. 
XXXX. All statements while this account was open. 
XXXX. Any insurance claims made by any creditor regarding this account. 
XXXX. Any judgments obtained by any creditor regarding this account. 

Please also provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. 

You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your rights to collect this alleged debt within 30calendar days from the date of receipt of this letter. 

Please be advised that failure to comply with this request within 30 days will result in the removal of this disputed debt from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (FL)

I made a purchase on a vehicle XX/XX/2021 put down XXXX on XXXX XXXX XXXX with XXXX miles thought I had a good deal car was listed at XXXX none of my money ive put down or payments Ive paid over this year have made an impact on my car loan seems like & Ive been having problems after problem with this car now my transmission is out & I still have to pay that & XXXX a month not including insurance
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/year> XXXX sent me and my husband ( XXXX XXXX ) letters notifying us on a XXXX XXXX. It indicated a lot of our personal information was obtained by a third party. They offered us the ability to enroll in TransUnion 's " My true identity '' XXXX XXXX XXXX. using the supplied ink and unique code, we were supposed to sign up for this service and freeze our accounts. After a XXXX hour process of registering with them and being shown XXXX XXXX reports, we both requested credit freezes. " Which they could not do at this time, log in later to try again ''. We have tried many times over the past several months to do a credit freeze, with the same answer being given. This week I received XXXX separate notices from XXXX, XXXX 's XXXX, and XXXX XXXX that in response to my application for credit cards, that they will need additional information, or just send me a credit card. I did not require or apply for any of them. Obviously someone is trying to use my credit to get credit cards, which is probably from the noted credit breach, and I still can't get my credit frozen. I was able to call the credit card companies and have them cancel the applications/cards, but this often takes hours to get thru to talk to someone. Nothing is more frustrating that going thru these registrations and getting kicked out and having to start over.