davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
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. (PA)

I was really taken aback this morning when I found wrong accounts on my credit report, and I have no clue why. I've never had this issue before, and now, out of nowhere, there are discrepancies. Refreshing the browser didnt fix it. Im asking that my documents be carefully examined so this never becomes an issue again.
Consumer complaint received 2024-10-11
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-20
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. (FL)

Please consider this as my formal complaint to the TRANSUNION for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2023, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-11
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. (IL)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} As required by XXXX U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-11
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-12
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. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-11-15
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 am XXXX XXXX XXXX and pay my bills on time and have no negative information on my credit file. XXXX is reporting XXXX score while Transunion is only reporting XXXX which prevents me from getting a XXXX XXXX credit card to get points. 
I am being punished for not having a mortgage or owning property. I gave my assets to my children many many years ago and now live with on of my children. I have no need for a home. Also the reporting is inaccurate since they have a plus side and a minus side which is inaccurate reporting. The plus side says my credit card balances are not to high and the minus side is reporting the balances are too high. I should not be punished for not owning or have a property loan. I feel this is prejudice against me as a XXXX XXXX and should not be allowed. This is preventing me from being able to obtain a credit card that could save me XXXX XXXX XXXX in XXXX XXXX. 
I would appreciate an answer to this issue. 
Thank you, XXXX XXXX
Consumer complaint received 2024-11-15
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. (TX)

I just recently looked at my credit report from ( TRANSUNION ) XX/XX/year>. I saw a hard inquiry that did not have permissible purpose. 

( XXXX  DATE : XX/XX/year> ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Consumer complaint received 2024-09-22
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: Experian Information Solutions Inc. (TN)

This account ( XXXX XXXX  Account Number : XXXX ) was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/year> and on XXXX its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX  % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-11-15
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. (TN)

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXX & XXXX Account XXXX )
Consumer complaint received 2024-11-18
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 have been dealing with this since XXXX of this year, and very soon, I will not be able to secure housing because of this incident with XXXX. We came to an agreement in XXXX that my credit report would be corrected. It is corrected with XXXX, but still has a 120 day late payment listed with XXXX and TransUnion. I have disputed this MULTIPLE times with both bureaus and still XXXXXXXX XXXX is communicating to the credit unions that the 120 day late payment should stay on my report, even though I have been assured in writing it will be removed. Please help and finally resolve this.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I CONTACTED THE COLLECTION AND CREDIT BUREAUS ABOUT THE SITUATION AND THEY DID NOT DO PROPER INVESTIGATIONS OF ALL OF THE CREDIT BUREAUS EXPERIAN, XXXX, XXXX, AND XXXX XXXX.
Consumer complaint received 2024-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/XXXX ChexSystems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Dispute of XXXX XXXX  XXXX Account XXXX XXXX Balance To Whom It May Concern, I am writing to formally dispute inaccurate information on my ChexSystems report regarding My personal information, and an account with XXXX XXXX  XXXX XXXX Below are the details related to the account and information in question : Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Phone Numbers : XXXX. This information is inaccurate and is not associated with my personal information. 

Bank Name XXXX XXXX XXXXXXXX XXXX Account XXXX : {$290.00} ( Paid ) Account Closure Date : XX/XX/XXXX According to my records, the balance of {$290.00} was fully paid, and the account was closed on XX/XX/XXXX. I believe this account should not be negatively impacting my ChexSystems report, as the balance has been cleared and all obligations fulfilled. Please investigate this matter, and I would appreciate if you could remove any negative reporting related to this closed account, as it inaccurately reflects my financial standing. Enclosed, you will find supporting documentation, including proof of payment and account closure confirmation. Thank you for your prompt attention to this matter. Please inform me of the process and outcome of your investigation at your earliest convenience.
Consumer complaint received 2024-10-11
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. (GA)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-10-11
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. (NJ)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
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. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-22
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: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in XXXX to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 15 U.S.C. 1681e ( b ) ). XXXX XXXX XXXX XXXX XXXX reporting the repossession /Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a repossession /Charge Off is XXXX years from the date of the delinquency leading to the repossession ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Repossession/ Charge off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of the repossession from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-11
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. (AZ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: VYSTAR CREDIT UNION (FL)

To Whom It May Concern, I am writing to address my credit card account and the challenges Ive faced recently. Over the years, I have made timely payments and even opened additional products due to my positive experience. However, since the system update, I have encountered significant difficulties with making payments. My app continues to prevent me from processing payments for my credit card and auto loans, which has negatively impacted my financial standing. 

I have been doing my best to manage my responsibilities, especially after taking in my fXXXX who lost his home in the XXXX. We are now in need of a larger home, but my recent late payments are hindering our ability to secure this necessary accommodation. I kindly request that you consider removing the late payments from my account as a gesture of goodwill, allowing us to alleviate our financial burden and move forward positively. Thank you for your understanding and assistance.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo has charged a total of {$290.00} in fees to my account since opening. This includes a late fee which was imposed when their system took over a week to post a payment which was made on time. 

They have also charged {$120.00} in cash advance fees and interest on a purchase made at the apple store. This is not a cash advance. 

It seems their business model depends on excessive, dishonest small fees. For consumers, it is not worth fighting {$20.00} here, {$40.00} there. The XXXX XXXX dollar fine in XXXX  was not sufficient. These fines are part of their business model ... if they can charge XXXX XXXX in erroneous fees, then a {$35.00} XXXX fine makes sense. I have never had these types of issues with other banks. I am washing my hands of wells fargo, but hope this report helps to hold them accountable.