davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Mr./ Mrs . 

I am writing you this letter regarding payments that were marked late by your company for the following on the following date ( s ) : XX/XX/2021 It is my understanding that per 15 USC 1681 ( a ) ( 2 ) A ) 0 ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & Transunion or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-08-20
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. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-20
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. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing significant distress. As an identity theft victim, I've already reported this incident. This situation urgently needs addressing, as it's harming my financial standing and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide necessary evidence and, if needed, take legal steps to defend my rights and seek compensation. Your quick response to this critical matter is valued.
Consumer complaint received 2024-08-20
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)

I'm submitting this complaint personally regarding late payments on my credit report. Upon review, I discovered these entries. I sent inquiries over a month ago but have received no response or adequate verification. I'm seeking your help to resolve this issue quickly and efficiently.
Consumer complaint received 2024-08-20
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. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (CA)

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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)

I am filing this complaint personally. An examination of my credit report revealed late payment entries. I sent correspondence over a month ago regarding this issue, but have received no reply, nor any adequate verification. I seek your help in addressing this situation.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (FL)

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 XXXX out of XXXX 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
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. (NE)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the following : 15 U.S.C. 1681 602 ( A ) I have the right to privacy 15 USC 1681 and 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.

15 U.S.C 1681 604 ( A ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section 1681 ( A ). In accordance with the Fair Credit Reporting Act, I hereby request the above listed accounts be removed from my credit report.

Any information that the creditor is unable to verify should be promptly eliminated. Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. 

Delete these accounts immediately XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

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

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

XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

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

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

1. XXXX XXXX claims that there is a contract between myself and them. I require to be shown proof of contract and evidence of exchange in the accordance with the requirements of contracts, especially the requirement of consideration.

2. XXXX XXXX alleges that they provided me with a certain amount of bank credit as the consideration they provided to secure the contract. I require a full description of this bank credit.

3. Where did these credits come from? Provide evidence.

4. What in reality do these credits represent? Credits of what? A measurement of gold or amount of silver? Provide evidence.

5. Did XXXX XXXX possess the assets represented by these credits prior to the alleged exchange? Provide evidence.

6. Were the assets represented by these credits acquired by lawful means? Provide evidence.

7. If XXXX XXXX can not provide sufficient lawful answers to these questions pertaining to these bank credits, how is there any proof of consideration made by XXXX XXXX? Provide reasoning that is faithful to all men 's rights of Equality and equal protection under the law, without any special privileges.

8. If there is no proof of consideration, how is there any proof of exchange between myself and XXXX XXXX?

9. If there is no proof of exchange, how is there a contract between myself and XXXX XXXX?

10. If there is no proof of a contract, doesn't it follow that any claims or entitlements granted by this nonexistent and illegitimate contract should be dismissed by law?
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2024-08-20
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. (CT)

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below is the account I am requesting to be reinvestigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX seems to have predatory practices they use to try and bully the consumers. It took me over 2 years to resolve a fraudulent warranty placed on my vehicle. Once that was resolved, they decided to never update my account status to showing paid in full and closed. Now that was resolved, they have retaliated once again and decide to mark my account with 30 and 60 day late payments. It's laughable, I have all of my receipts. I intend to file a complaint with XXXX XXXX XXXX XXXX  and have an attorney file a lawsuit for violating my rights. These predatory practices are a disgrace and I can only imagine what they do to the uneducated consumers.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-08-20
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-20
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. (MS)

This account was charged off XXXX XXXX Account XXXX since then the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
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. (SC)

I disagree with the account listed below XXXX XXXX XXXX XXXX Account number XXXX which still appears on my credit report even after your investigation. I recently reviewed my credit report and noticed inaccuracies on my account. I would like this account immediately reinvestigate for the same exact thing we discussed. This account is injurious to my credit score. In accordance to the fair credit reporting act public law.91-506. Title VI, section 611, subsection A-D. Please provide the names and business address in which you verified the account, so that I may follow up. Please send me an update copy of my credit report after the your reinvestigation.
Consumer complaint received 2024-08-20
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
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. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.