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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion Customer Service, I am writing to dispute several credit inquiries listed on my credit report. The details of the inquiries in question are as follows : XXXX XXXX - XX/XX/year>2023 XXXX XXXX XXXX- XX/XX/year>2023 XXXX  XXXX Bank - XXXX XXXX, 2023 XXXX - XX/XX/year>2023 Destiny - XX/XX/year>2023 Legal Basis for Dispute Authorization of Inquiries ( 15 U.S.C. 1681b ) : According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer report may only be furnished for certain permissible purposes, and an inquiry may only be made with the consumer 's authorization. I dispute the accuracy of these inquiries and question whether they were made with my authorization. If these inquiries were not authorized by me, they should be removed from my credit report. 

Investigation of Disputes ( 15 U.S.C. 1681i ( 7 ) ) : Under 15 U.S.C. 1681i ( 7 ), if the accuracy of an inquiry is disputed, the credit reporting agency must conduct a reasonable investigation and correct any inaccuracies. I request that you conduct an investigation into these inquiries and ensure that any unauthorized or incorrect inquiries are removed from my credit report. 

Consumer Financial Protection Bureau ( CFPB ) Regulations : Additionally, the CFPB regulations require credit reporting agencies to ensure the accuracy and integrity of the information they report. Inaccurate or unauthorized inquiries can negatively impact my credit profile, and it is crucial that these regulations are followed to maintain the accuracy of my credit report.
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. (IL)

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 2024-08-12
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. (NV)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX CARD Account Number : XXXX Date of Charge XXXX Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Transunion and provided XXXX that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-09-08
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. (NJ)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-10
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

My account with Transunion was never late! I have had exceptional payment history with XXXX XXXX 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 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.

Transunion 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 2024-08-13
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. (DE)

I am writing to request the deletion or removal of information from my credit file that is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove these items within XXXX business days. I have previously provided the necessary documentation, and I am including it again with this letter. The information you provided regarding these items is unfamiliar to me, has already been removed by other bureaus, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX D XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX LLC XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (OK)

On XX/XX/XXXX I signed up for Equifax credit report and Monitoring services, paid XXXX for the first month, complained to the company that I could not see my credit report, score but they escalated the problem to the higher-ups and it never got fixed. On XX/XX/XXXX I recived a conformation case # XXXX that the problem will be fixed in 10 day, I'll be receiving a call from a supervisor let me know that the issue has been corrected and I can log into my credit report but that never happened and to this day I still can't log into my Equifax credit report and see my credit report and credit score. On XX/XX/XXXX and received a another confirmation number of XXXX XXXX XXXX XXXX XXXX XXXX - XXXX and I was told that I would hear back from somebody and Equifax in 3 days and that still haven't happened and I still have not been able to view my credit report and credit score. So here I am today filing a formal complaint against Equifax because they still have not made my credit report and credit score available.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 


Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-13
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 accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter serves as a formal complaint regarding the reporting of inaccurate and incomplete credit information. 

I am troubled by the inclusion of the following information in my credit profile, as well as the lack of reasonable procedures in place to ensure the utmost accuracy in the credit reports you publish. Credit reporting laws mandate that bureaus only report completely accurate credit information. Therefore, it is crucial to thoroughly investigate the following information : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Please remove it from my credit report. 



XXXX. Validate Account XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX, XXXX. 

Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX CO, XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 


I kindly request to be provided with evidence of this alleged item, specifically the contract, note, or other document bearing my signature. 

If unable to provide such proof, I insist that the item be promptly removed from the report. The listed item is entirely inaccurate and incomplete, which constitutes a significant error in your reporting. Please delete this misleading information and provide corrected credit profiles to all creditors who have received copies within the last six months, or the last two years for employment purposes.

Additionally, please furnish the name, address, and phone number of each credit grantor or other subscriber.

According to federal law, you have a period of thirty ( 30 ) days to complete the re-investigation. Please note that I also request a description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days following the conclusion of the re-investigation.
Consumer complaint received 2023-04-11
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: Bread Financial Holdings, Inc. (CA)

Hi there is the issue with XXXX capital bank, the issuer of XXXX card for XXXX XXXX XXXX photo. I've gotten multiple emails from XXXX XXXX XXXX indicating the full amount has been refunded all they said to indicated the reference number to XXXX  credit card or commenity bank I have e-mailed commenity bank several times but therewas no response, some one  from commneity bank said I should ask XXXX XXXX XXXX customer service to call the bank and indicate that the amount is refunded I contacted XXXX XXXX XXXX, and they denied to that.laterI was trying to purchase something, and the customer service agent said he has gotten an authorization from his supervisor, and he will be calling the bank to get authorization. And that was a long time ago. Then again, I called the commenity bank customer service and based on the supervisor advice, I disputed the charges, less than a week later I got in a statement with more interest than late fees. This bank has so many many red flags and negative response on. XXXX  I've been trying to resolve this issue for a very long time, with XXXX and XXXX. Based on XXXX XXXX. The account is closed, and everything has been resolved. But for some than XXXX and experience, can not resolve this issue.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I noticed on my credit report a while back and I reached out to all three credit bureaus explaining that I had not authorized these inquiries that are on my report and I believe them to be fraudulent. They stated they could not remove them and they only stayed on my report for XXXX years and to contact the companies. I also contacted the companies and some sent letters back wanting me to mail in a lot of information I did not know about or how to obtain the information they wanted me to send in.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$580.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX XXXX XXXX. {$7000.00}, XXXX XXXX. {$1200.00}, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-13
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. (NM)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (WV)

I discovered fake accounts on my credit report during a recent review. Please remove them as they are hindering my ability to obtain credit. 
XXXX XX/XX/XXXX - {$10000.00} Account Number : XXXX XX/XX/XXXXXX/XX/XXXX - {$7400.00} Account Number : XXXXXX/XX/XXXX XX/XX/XXXXXXXX {$12000.00} Account Number : XXXX DPEDXX/XX/XXXX XX/XX/XXXX - {$3300.00} Account Number : XXXX DPEDXX/XX/XXXX XX/XX/XXXX - {$3500.00} Account Number : XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent multiple letters to XXXX for the last year. I have made numerous amounts of phone calls to them about updating my credit report. Removing inaccuracies and accounts that violate FCRA laws and 15 U.S. Code 1681c2 - Block of information resulting from identity theft. They have no removed any debt at all or none of the personal information I requested to be removed. 

Also, for them to update my credit report accurately, they want me to get a membership with them to update my credit report and allow me to see an accurate report with them. This is a scam set up to steal money from the consumer. And not allowing me to see an accurate credit report or update my credit report so I can pursue buying a home or getting a car loan. I am asking to resolve this issue with them multiple times before proceeding to federal court.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

My son received a {$20.00} visa gift card from his friend for his birthday. When I went to use it, they said there was only {$3.00} available. I opened the card in the store so it had not been previously used. The card number on the front was partially scratched out. I called the vanillagift  customer servicenumber. They started a case but said they can not open a case without me sending them a copy of an ID and my birthdate. That is a violation of my privacy. It seemed like a scam. I only wanted a replacement gift card in the amount of {$20.00}.
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.