davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-09
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)

In your previous letter you state : As shown in the enclosed transaction history, you have been inconsistent in making timely payments. XXXX disagrees that the Fair Credit Reporting Act ( FCRA ) does not permit XXXX to report your account or the payment history for your account.

According to The United State Congress my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. So once again I will ask, how can your company furnish any transactional history on my consumer report when the law clearly states that this is excluded from my consumer report? A payment history is a reflection of a transactional history, but if this information is excluded from my consumer report by law, how can you furnish a payment history or furnish a payment as late if this information is excluded? 
The FCRA under 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusion from a consumer report clearly states : ( 2 ) EXCLUSION- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681b-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; In your responding letter on XX/XX/2024, XXXX disagreed that your company failed to notify me of negative items being reported. You claim you have provided me with a notice of a monthly billing statement showing this negative information. 

In my response, I have not received any notice or any monthly billing statements from XXXX. I request that XXXX show me PROOF where I received these monthly statements that you are claiming you sent me. Can you show me PROOF where these monthly statements were delivered to my address. Can you provide me a tracking number showing these monthly statements were delivered to my address above prior to or no later than 30 days after furnishing negative information. I request Proof, and if you can not provide me with proof, I demand this account be removed from my consumer report. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than 30 days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I demand you show me PROOF where you sent me a notice prior to or no later than 30 days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC (CT)

I 've disputed a purchase in the amount of XXXX from XXXX made on or around XXXX XXXX 2017, the item was not enclosed in the box and XXXX will not refund. They provided false/inaccurate information in their reply to dispute such as shipping address to XXXX, NY, delivered to a XXXX XXXX. The order date is from XX/XX/XXXX, a month BEFORE I placed actual order. They reference a XXXX watch sent as a replacement, a XXXX watch was actually ordered. I understand the bank, Continental Finance, is unable to verify such order information as item ordered and what brand. However, they are aware of correct billing and shipping address as well as my correct legal name, it is not XXXX XXXX nor do I live in XXXX, NY. Lastly, the order date is XX/XX/XXXX not in XX/XX/XXXX as their reply shows.. XXXX is known to either send empty watch boxes or defective items, they have numerous complaints against them. I sent in a rebuttal response which was not received in time as I did not receive initial reply soon enough to reply in re. I attempted to speak with a XXXX XXXX, left a message for her and was returned by a gentleman stating same information as was told by dispute dept. I was told again that they did not receive information in time for XXXX, there is only a certain amount of time to respond. Again, I did not receive information in time as the initial mailing was lost in the mail, never received. I was told to send in rebuttal reply anyway, then was denied any credit. I told the gentleman, whom I do not have the name of, that payments will cease until resolution is made in form of a credit in the amount of XXXX plus interest charges. The last payment made on or around XXXX XXXX, 2017,  will be last payment until resolution is made which I stated before.
Consumer complaint received 2024-09-09
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I work for a small XXXX XXXX and due to XXXX, the XXXX cut hours in half ( 40 hours to 20 hours ). I immediately began contacting creditors including Specialized Loans Servicing regarding assistance. I was quickly approved and assured they would help me during this time and offer assistance after plan expired. 

At the end of the plan, I received a valuation on my property which clearly showed a large amount of equity. 

On XX/XX/2020, I received a letter stating that I did not qualify for any offers of assistance. I called the customer care number and asked for assistance. 

I was told that I had three options : short sale my house, turn over the keys to my investor, or pay a lump sum in order to avoid foreclosure. 

I have stayed in constant contact with my lender. I was assured repeatedly they would assist me.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent several request to XXXX opting out of their system, in which it shows that XXXX XXXX XXXX has 7 bankruptcies, I have received 3 separate reports from XXXX where they show that I do not have any bankruptcies on my consumer public records report, all dated from XX/XX/XXXX through XX/XX/year>2024 and speaking with them on today XX/XX/scrub> 2024, on both my public records report and my non-published public records report, there are no bankruptcies being reported, I placed yet another dispute ; dispute number # XXXX but on my credit bureau reports they are there, and it is saying that the records have been investigated and re-investigated as being VERIFIED AS ACCURATE AND UNCHANGED. Upon my receiving this information, I contacted the bankruptcy court for the XXXX XXXX XXXX XXXX, received a letter from them stating that 1. They do not report to the Credit bureaus and that I do not have any bankruptcies. 2. I sent to all three ( 3 ) credit bureaus letters requesting that this information be removed from my credit reports, but all have stated that they received the information from XXXX. 

XXXX XXXX XXXX  refuses to provide me with an option to Opt-Out of their system, and they continue to furnish adverse information to TransUnion, violating my right to privacy and to deny me my right under 15 USC 1692 to determine what information I want reported on my credit report.

I have furnished all three ( 3 ) credit bureaus with letters showing them the errors however when I receive my updated credit reports, the bankruptcies are still there after sending them all the reports and letters from the courts, XXXX, and myself demanding that they remove the public records report but it still remains and is causing me serious complications of my credit being denied and my scores decline and not being able to qualify for loans and credit increases.
Consumer complaint received 2024-08-30
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 find it extremely unfair that I am being subjected to such actions without any prior warning or opportunity to address any potential misunderstandings. 

This situation is not only distressing but also damaging to my reputation. I kindly request an immediate review of my account and a prompt rectification of this error.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-09
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)

Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT : XXXX opened on XX/XX/XXXX Inquiries : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Because I am submitting this to all bureaus I am utilizing the CFPB. I wish to have a personal statement added to my report. I am doing this due to issues I encounter with each.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

On informaation and belief, Experian is fraudulently charging consumers at least {$3.00} ( Georgia ) to temporarily remove a Security Freeze placed on their account. 

Following previous difficulties with Experian in temporarily removing my security freeze, I went online ( X/XX/2017 ) and attempted one again to use the online process to remove the security freeze. 

When asked the 10-digit security pin, I accurately entered it into the online process. This was the same 10-digit pin that the Experian telephonic processed requested, received and validated. 

However, the online system alerted me that the pin was not accurate and prompted me to submit the request without the 10-pin and I would be asked a few questions in order to validate my identity. 

When I did so I was prompted to submit payment of {$3.00} by way of credit card because that is what the State of Georgia allowed. 

Given the millions who have been compromised by the negligence and/or malfeasance and/or misfeasance of all of the Credit Bureaus, millions must be flocking to freeze their account. 

An immediate audit should be conducted by and independent review organization in order to determine how many times ( millions I would wager ) Experian and the other two Credit Bureaus have inappropriate charged consumers to unfreeze their accounts. Each provide a pin to allow the consumer to unfreeze the account, however, on information and/or belief, Experian and the other two bureaus XXXX and XXXX XXXX, in my opinion, developed an elaborate ruse to notice consumers that their pin was inaccurate and then subsequently charged said consumer. Again, and instant and thorough audit would readily reveal the ruse and the magnitude of unauthorized fees each have taken under false pretenses. 

As of this writing, my Security Freeze still has not been lifted allwoing creditors access to my report.
Consumer complaint received 2024-09-09
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.
Consumer complaint received 2024-09-09
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX  XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XX/XX/year>
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: Experian Information Solutions Inc. (IN)

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 2020-10-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation (TX)

Hi there not only am I a victim of identity theft this company refuses to validate this debt in a metro compliance way. am I saying that this is to identty theft no Im not Im trying to get them to understand that I have no knowledge of this debt. The incorrect names etc the threat to be reported frivilous when all im trying to do is clarify where the accounts came from.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.