davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting companies to provide me the Internal records of their reportings of these accounts thats being furnished on my credit report. These inaccurate accounts has caused me Great financial XXXX. I have been denied for loans, credit and refinancing of my home. I would great appreciate if someone can provide me the information thats needing to show that these accounts are accurate. 
Thank you.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.
Consumer complaint received 2024-08-13
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)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXX Code XXXX Civil liability for willful noncompliance and XXXX XXXX Code XXXX Civil liability for negligent noncompliance and XXXX XXXX Code XXXX civil liability In multiple violations and XXXX entitled to monetary compensation under FCRA XXXX XXXX. XXXX ( XXXX ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences Accounts listed below in green XXXX highlighted and tag as in violation under XXXX XXXX XXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ) must update to correct as paid on time. 

Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow XXXX highlighted that is tag as in violation Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2024-08-14
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-14
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-14
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. (DC)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite my persistent efforts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to see any resolution or corrective action. 

These erroneous accounts are causing substantial damage to my credit file and severely impacting my ability to lead a normal life. The effects of these errors have created significant hardships, leading me to urgently request your assistance in resolving this matter as quickly as possible. 

I respectfully ask for a comprehensive investigation into the reporting of each disputed account. It is crucial that immediate action is taken to update and correct my credit report without further delay. Your support in restoring the accuracy and integrity of my credit file is vital for me to regain control of my financial stability. 

I urge you to treat this issue as a priority and take swift action. Your prompt cooperation in addressing this matter would be greatly appreciated. 

Thank you for your attention and assistance.
Consumer complaint received 2024-08-14
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-14
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card with cap one. I try to pay my bill every month on time but they do not allow me to pay with my debit card until the payment is late, then the debit card option is available but by that time i have incurred late fees. It seems to me they limit payment options to make your payment late and then in turn collecting late fees every month.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be totally explored. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and upsetting my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused tremendous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I benevolently demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the essential advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the precision and uprightness of my credit record so I might recover command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-14
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)

Transunion, XXXX, and XXXX are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the XXXX XXXX XXXX, the Transunion Data Breach, and XXXX XXXX Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In according to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and complete. As a consumer, I have the right to expect that my credit report will reflect my credit history in a fair and accurate manner. Pursuant to 15USC16811 ( 5 ), I am requesting that you investigate and correct the errors found in my credit report. This section of the FCRA states that " if the accuracy of any information in the file of a consumer maintained by a consumer reporting agency is disputed by the consumer, the agency shall reinvestigate free of charge and record the current status of the disputed information. " I have reviewed my credit reports from the three major credit agencies ( XXXX, TransUnion, and XXXX ) and found that the following accounts contain inaccuracies : - Account 1 : XXXX XXXX XXXX XXXX XXXX  High Balance : The reported amount lacks accuracy in all three credit agencies. - Last Verified : The reported date lacks accuracy in all three credit agencies. - Date of Last Activity : The reported date lacks accuracy in all three credit agencies. - Date Reported : The reported date lacks accuracy in all three credit agencies. - Date Opened : The reported date lacks accuracy in all three credit agencies. - Closed Date : The reported date lacks accuracy in all three credit agencies. - Account Descriptions : The account description lacks accuracy in all three credit agencies. - Creditor Type : The reported creditor type lacks accuracy in all three credit agencies. Payment Status : The reported payment status lacks accuracy in all three credit agencies. - Creditor Remarks : The creditor remarks lack accuracy in all three credit agencies. - Payment History : The reported payment history lacks accuracy in all three credit agencies. Additionally, I have found that the following accounts contain the same inaccuracies : - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (FL)

I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and collaborate with the credit reporting agencies and the involved creditors to address the fraudulent collection accounts on my credit report. Furthermore, I seek your assistance in expediting the removal of these unauthorized entries that are negatively impacting my credit profile.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS
REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-14
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-14
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. (IL)

I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite my numerous efforts to address the inaccuracies and repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These incorrect accounts are causing significant damage to my credit file and are severely affecting my ability to live a normal life. The impact of these errors has led to considerable hardship, prompting me to urgently seek your assistance in resolving this issue as soon as possible. 

I respectfully request a detailed investigation into the reporting of each disputed account. It is crucial that immediate steps are taken to update and correct my credit report without further delay. Your support in restoring the accuracy and integrity of my credit file is essential for me to regain control of my financial stability. 

I urge you to prioritize this matter and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. 

Thank you for your attention and assistance.