davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX dropped my XXXX XXXX XXXX points because I paid a credit card balance down. When you pay off debt your score is not supposed ot be dropped down. It's supposed to improve. I'm guessing the same stock holder own this bureau that own transunion. Which has been doing the same illegal non sense for excerising my rights to report false credit reporting. Now they are doing it to my experian profile. You all need reformation.
Consumer complaint received 2015-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (TX)

I was asked ( as I was leaving the branch ) to refinance my home loan. The local expert was on the phone and unavailable. They said " We 'll have him call you '' ( which they never did ). I never gave them my name, address, or phone number. Ten days later I got a rejection letter which I threw in the trash. Turns out they had made a hard inquiry which is now a negative factor on my FICO score and they refuse to have it lifted. ( Only the bank can do that. ) They ignore my requests, clear up to the VP in charge.
Consumer complaint received 2024-10-13
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. (DE)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-14
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. (CA)

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, They did not provide me with the original contract as I requested. XXXX XXXX XXXX called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until XXXX XXXX XXXX proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-10-13
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. (DE)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-10-14
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)

The delinquent payment shown on my consumer report beginning XX/XX/XXXX for account XXXX was a result of my work loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. To help accommodate my situation, XXXX XXXX moved payments to the back of my loan extending the payoff date. The account was later brought current XX/XX/XXXX. Please update this information to PAID AS AGREED for the following time period : XXXX.
Consumer complaint received 2024-10-14
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
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)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Transunion, I received a copy of my credit report and am writing to dispute the following information that appears on my Transunion credit report. 

Please verify or remove immediately the following accounts : XXXX XXXX Bank XXXX I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX ***** I am a victim of identity theft and I never opened this account. Please remove this account and inaccurate information from my credit report. 

XXXX XXXX ******************* I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 


By the provisions of the fair credit reporting act, I demand these items be investigation and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C Sec. 1681 i ( a ) you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter/ Sincerely. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-14
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)

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.
Consumer complaint received 2024-10-14
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. (GA)

I am formally disputing an entry below on my credit report issued by your agency. By my rights under the Fair Credit Reporting Act ( FCRA ), I would like to ask for an immediate investigation of this entry as I believe that the information has been placed on my report without permission or my explicit consent, violating my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lack of Permissible Purpose : According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain conditions, such as when there is a legitimate business need or express permission from the consumer. However, the entry in question does not meet these criteria, and no permissible purpose or consent was provided by me for the inclusion of this information on my credit report.

The law is clear : Under 15 U.S.C. 1681b ( a ), consumer reporting agencies are prohibited from furnishing a consumer report unless the party obtaining the report has a specific purpose authorized by the consumer or the law.

Additionally, 15 U.S.C. 1681b ( f ) states that any user of a consumer report must certify the permissible purpose for which the report is being obtained.

In this case, I did not authorize any such inquiries or accounts to be added to my credit file, nor was any permissible purpose legally justified. As such, the inclusion of this information is both unauthorized and unlawful.

Violation of My Consumer Rights : Furthermore, under 15 U.S.C. 1681n and 1681o, any willful or negligent non-compliance with the FCRA entitles the consumer to statutory damages. The failure to ensure that only authorized parties have access to my credit report, or that inaccurate information is being reported without verification, places your agency in direct violation of these sections of the FCRA.

Action Requested : I am requesting that your agency : Remove the unauthorized or inaccurate information from my credit report immediately.

Provide written confirmation of the investigation process and the outcome within 30 days, as required by law.

Please note that failure to correct this violation of my rights under the FCRA may result in legal action, where I may seek damages for the unlawful reporting of unauthorized or inaccurate information. 

Thank you for your immediate attention to this matter. I look forward to your timely response and confirmation that this issue has been resolved.
Consumer complaint received 2024-10-13
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. (FL)

( See attached for full complaint ) Dear CFCB Team, I am writing to request your immediate assistance in correcting inaccurate payment history reported on my credit file. Despite multiple attempts to address this issue, the inaccuracies persist, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

The inaccurate information pertains to XXXX XXXX Account # XXXX where payments have been misreported. I have enclosed documentation to support my claim, including credit report showing the inaccurate reporting Under the FCRA, I am entitled to a fair and accurate credit report. You are required to conduct a thorough investigation into this matter and rectify the inaccuracies as mandated by law. Please confirm the correction in writing as outlined in Section 1681i ( a ) ( 6 ). 

Thank you for your prompt attention to this serious issue. I look forward to your swift response. 

Sincerely, XXXX XXXX [ Enclosures : Supporting Documentation ]
Consumer complaint received 2024-10-13
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. (GA)

I recently received a copy of my credit report and I notice fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-13
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.
Consumer complaint received 2023-05-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Date XX/XX/2022 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} I have disputed this inquiry with XXXX and XXXX This inquiry was canceled before going to collections My privacy has been violated under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My personal information was illegally sold to the collection agency after I legitimately cancelled the insurance with XXXX XXXX XXXX XXXX My car was repossessed and I no longer had use for the services When I checked my credit report XXXX XXXX had sold of a debt that wasnt old Without me consenting to my personal information being stolen and used to collect money
Consumer complaint received 2024-10-13
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. (MA)

XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX. I am disputing all of the information due to be incomplete and inaccurate. 

The Address : XXXX XXXX XXXX XXXX XXXX MA XXXX is inaccurate/fraudulent.
Consumer complaint received 2024-08-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get Transunion to stop reporting fraudulent reports against my credit, which has caused me a huge financial burden. I recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, both XXXX and XXXX have shown that this account does not appear on their reports based on the lack of ability to properly verify all reported information being accurate. Furthermore, you previously removed this account, but now you have decided to report it again. You have not been helpful at all, and you have ignored my pleas for assistance. I engaged legal representation to address a case where I refinanced my home. XXXX was stipulated to be fully paid off as part of the refinancing agreement. My attorney corresponded with each credit reporting agency, requesting the removal of the XXXX account from my credit reports due to the legal dispute surrounding the contract. All agencies complied with this request except XXXX, which removed the entry at a later date. 

In XX/XX/XXXX, I accessed my account online and printed a payment history document indicating a balance of {$19000.00}, which I subsequently paid by check. This payment was confirmed received. A subsequent payment history document printed in XX/XX/XXXX shows that the check was processed on XX/XX/XXXX. The payment should have been recorded as complete by this date, and the account should have been closed accordingly. 

However, XXXX failed to close the account and, in XX/XX/XXXX, resumed charging my account for mortgage payments. Currently, they are claiming an outstanding balance of over {$7000.00}. Additionally, they have inaccurately reported my account as delinquent to TransUnion, which reinserted this information onto my credit report despite its prior removal. Also, understand that Transunion is now reporting incorrect information, which is causing much financial harm. 

I have made multiple attempts to resolve this with TransUnion by sending letters, none of which received a response within the required timeframe. The first letter was sent on XX/XX/XXXX. The second letter was sent on XX/XX/XXXX. I just received a response on XX/XX/XXXX. The letter states that the debt is verified, which indicates that you completely ignored all of the evidence I have sent you. 

I request that TransUnion correct its records by removing the inaccurate delinquency report and restoring my credit score accordingly.
Consumer complaint received 2024-10-14
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. (MT)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-13
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. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-04
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00}