davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

Somehow my dad 's personal and credit information was added to my credit report profile. His date of birth and last four was added to my report with my name. Several lines of credit was added to my credit report ; some of it derogatory with open dates much older than me. Also, my entire name became his middle name on his report. They managed to correct his date of birth and social, but not my report. 

I have only one line of credit open ; XXXX XXXX. ALL other credit is his NOT mine. It is effecting my ability to get credit, my own apartment, and employment.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-08-14
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. (TX)

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXXXXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am asking for your help to correct the inaccurate details reported on my credit report. This issue has severely damaged my reputation, and I need your intervention. Your mishandling of the report has left me in a precarious situation, and the misleading information has hurt my reputation. I urge you to remove these errors so I can rebuild my life with my family.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently purchased A copy of my consumer credit report and learned that I have many unauthorized hard inquires hurting my consumer credit report. I did not authorize ANYONE to MIS-REPORT or fraudulent use my social security number for any purpose or matter without my written consent please have every inquiry removed immediately. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute inaccurate information that is being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX It has come to my attention that this account is still being reported as late, despite having been charged off. According to FCRA guidelines, once an account has been charged off, no additional late payments should be reported for that account. Continuing to report late payments after the charge-off date constitutes inaccurate and misleading information, which is prohibited under the FCRA. 

Specifically, under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information, such as creditors, are required to report accurate information. Furthermore, the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

The account in question has been reported as having late payments after it was charged off. According to the FCRA, specifically Section 623 ( a ) ( 5 ), creditors must report accurate information about accounts and any account that has been charged off should not have late payments reported afterward. Additionally, Section 1681i of the FCRA mandates that credit reporting agencies must investigate disputes and correct or remove any information that is found to be inaccurate or incomplete.

I respectfully request that you : 1. Investigate this matter in compliance with FCRA guidelines.

2. Remove any incorrect late payment entries reported after the charge-off date.

3. Provide me with a written confirmation that the errors have been corrected.

Requested Action : Investigation and Correction : Please investigate this matter in accordance with Section 1681i and correct the inaccuracies related to this account on my credit report.

Written Confirmation : After the investigation is complete, kindly provide written confirmation of the results and the actions taken to rectify the inaccuracies.

Removal : Remove any incorrect late payment entries reported after the charge-off date. the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

Thank you for your immediate attention to this matter. I look forward to your response and resolution.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Subject : Request for 1099-C Form Account Charged Off To Whom It May Concern, I am writing regarding an account that appears on my credit report under your companys name and is marked as a charge off. This indicates that you reported this balance to the IRS as income due to cancellation of debt. Pursuant to this status, I am formally requesting a copy of IRS Form 1099-C ( Cancellation of Debt ) for my records.

On my credit report, it is indicated that this account has been charged off, suggesting that the debt has been canceled and reported as such to the IRS. If this is correct, a Form 1099-C should have been filed and provided to both me and the IRS as required by law. Please provide me with a copy of this 1099-C form, as this is necessary for my tax records.

If you do not provide this form or can not substantiate that this account was properly reported to the IRS, I will consider taking legal action for statutory damages and potential fraud. Failure to provide accurate documentation may be a violation of both federal tax law and credit reporting standards.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 15 days.
Consumer complaint received 2024-11-07
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

XXXX  account was hacked for a personal loan & charged my credit card a {$49.00} first payment that I've reported to both companies was not made by me or anyone in my family. They've already come back and said I'm responsible. I want them to track where the IP address is located so they can see it wasn't me. I live in Oklahoma. This occurred around XX/XX/year>
Consumer complaint received 2024-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX XXXX of XXXX XXXX has sent you the XXXX copies he wrote to me XXXX XX/XX/XXXX Case No XXXX sent by XXXX to me and I am attaching them to you. 

He is talking on my Account in BANK OF AMERICA which is not relevant and asking for 90 days to look into the matter. But I have complained to CFPB on the {$950000.00} COMPENSATION FUND from the XXXX Government. Since there is no such fund and is fraud, I am requesting that BANK OF AMERICA should settle this by returning all my paid fees that they have received from me shown in my file records and bank slips that they received from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX directed by the following persons from BANK OF AMERICA paying to the various Government Departments amounting to XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, XXXX of BANK OF AMERICA XXXX who received XXXX XXXX on the fraud case. 
and return all my money and should even compensate me for time lost and problems created by this fraud case. 

Please see attached copies sent by XXXX XXXX and he has also cc to : Consumer Financial Protection BureauXXXX XXXX Consumer Financial Protection BureauXXXX XXXX Consumer Financial Protection Bureau/Case XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX asking for compensation and return XXXX XXXX XXXX XXXX money. 
Thank you and reply urgently XXXX XXXX XXXX XXXX XX/XX/XXXX See attached
Consumer complaint received 2024-08-14
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXXXXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am reaching out to express my serious concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These incorrect accounts are significantly damaging my credit file and impeding my ability to lead a normal life. The consequences of these inaccuracies have caused considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter as soon as possible. 

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

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

Thank you for your understanding and assistance.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Thank you for addressing and removing some of the inaccuracies in my credit report. There are still a few items left that require further removal. I am reaching out for the fourth time to inform you that my credit report contains erroneous details that have caused me harm. I am disputing these specific items in my file, as they stem from this issue. The items in question are not associated with any transactions involving the acquisition of goods, services, or money that I have initiated or authorized. I request that you remove any information in my credit file that has resulted from these inaccuracies : TRANSUNION : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I am unfamiliar with these items, and I have concerns about the accuracy of the information provided. Additionally, these items have already been removed from other bureaus, and the reported payment history on them remains unclear to me. As stipulated by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to rescind.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

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

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-13
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. (PA)

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I demand the removal of the following incorrect information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I demand the removal of the following inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently found out that my personal information was compromised in a data breach. I've reached out to the relevant parties to correct the inaccurate information on my credit report, but nothing has been done yet. I called the creditor and credit bureau as I am not liable for this debt with XXXX XXXX XXXX and have yet to be provided a copy of the signed Wet signature or Esign of the alleged According to the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681i and 15 U.S.C. 1681s2 ( b ), any party that reports information to a credit bureau has to make sure it's accurate. This means they must investigate and validate any disputed information properly. Additionally, 15 U.S.C. 1681 requires that the credit bureaus ensure the information they report is complete and accurate. I have provided CFPB with the inaccurate information that is reported,
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am demanding the deletion of the incorrect information listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. I am demanding the deletion of the inquiries listed IMMEDIATELY : XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.