davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$770.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-13
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. (CA)

It is important to note that making a threat of legal action without the intent to follow through is unlawful. Please understand that I am fully committed to pursuing legal action against your company. Despite my repeated requests for you to investigate and correct the inaccuracies in my credit report, you have consistently failed to do so. 
According to my understanding of the law, you are obligated to investigate and address every request for correction of erroneous information. Your continued disregard for my previous requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides legal recourse for consumers and imposes penalties and liabilities on consumer reporting agencies and information providers for non-compliance. 

As previously mentioned, this is my final request for you to comply with the FCRA. Should you fail to conduct a thorough investigation of the disputed accounts following this request, I will have no choice but to initiate legal proceedings against your company in my local jurisdiction. You will then be required to come here to defend your actions. 
ACCOUNT XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Credit Agencies, Experian,, XXXX XXXX and XXXX are all reporting inaccurate harmful information on My Credit Reports.

Only My current address and information should be displayed on My Credit reports in accordance with Fair Credit Reporting Act - ( FCRA ).

Credit Reporting Agencies, Experian, XXXX and XXXX XXXX are " All '' reporting a XXXX XXXX Account on My Credit report that is " CLOSED '' and should be removed.

Displaying " INCORRECT NON-CURRENT '' information on My Credit Reports Violates the Fair credit Reporting Act, ( FCRA ) 15 U.S.C. 1681 and 15 U.S.C. 1681e. This is against the law and is Harmful to Me.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX XXXX XXXX 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 in those account 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. 


XXXX XXXX XXXX XXXX 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 2024-08-11
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 those account 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. 


XXXX 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 XXXX 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

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 XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-12
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. (AZ)

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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased a USED XXXX XXXX from XXXX XXXX in 2023. They told me they were adding gap coverage due to the high amount might loan was as well as a warranty into my total price. They charged me almost XXXX XXXX  for a car that was worth XXXXXXXX XXXX at the time. I was completely taken advantage of as he knew I was new to the car process. After a few months an issue came up with my vehicle that required work that should have been covered by my warranty, I called XXXX XXXX to find out that they had closed. I had to XXXX who had my loan and what was happening, they sold my loan to XXXX XXXX XXXX and I needed to get ahold of them. Upon getting ahold of them they informed me that XXXX was NOT honoring any of the warrantys that we paid XXXX XXXX for and if we wanted the refund we had to deal with XXXX XXXX. Fast forward after dealing with that issue myself my car was totaled in a hit and run. I called XXXX and they informed me they were not honoring any gap coverage that we may have paid the company for. I was paying XXXX XXXX a month for over a year on this vehicle, after it was totaled XXXX was telling me I still after a year of paying owed almost XXXX $ on the car. They also informed me that due to them not being able to honor my GAP coverage that XXXX XXXX took money from me for I had to pay back this XXXX . My insurance paid out XXXX to XXXX leaving me with XXXX & to pay. I dont know what happened to my payments made to XXXX XXXX before they went out of business ; I dont have any money from any warrantys or gap coverage back and now this company wants XXXX XXXX  for a totaled car while they RUIN my credit. I need some help with where to turn next. XXXX will not help me. They have since written off the XXXX XXXX they are still saying I owed as a bad debt on my credit. So now my credit is suffering tremendously. This company has taken so many peoples money, I dont believe I owed them that.. and I would like it taken off my report and labeled as a closed account.
Consumer complaint received 2024-08-12
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. (GA)

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 2024-08-12
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)

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. 

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, 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 an 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 2024-08-13
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. (TN)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2024-08-12
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. (RI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 

Account # XXXX Open date XX/XX/2019 Amount : {$7400.00} The credit bureaus have violated the following laws as well Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am trying to buy a house later this year so today XX/XX/20 my lender ran my credit to see how much I would qualify for and he told me I would not get approved for anything at this moment because there were many accounts in negative standing appearing on my credit. I had no idea that there were accounts with negative history on my credit since the few credit cards I do have I don't even use. I looked through my credit report and I saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; I have never opened an account with these companies nor have I ever given anyone permission to open any accounts on my behalf. I did not benefit anything as a result of these accounts that were opened in my name such as money, services or goods and I did not participate in any purchases or payments ever made towards these accounts. I have filed this report to the best of my knowledge and I have also reported these unauthorized accounts to the police.
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)

YOUR COMPLAINT XXXX XXXX  XXXX  is XXXX. The company have engaged in misrepresentation of credit card usage on which is between 0 % to 6 % for this period of XX/XX/year> to XX/XX/year>. I call on the company opensky to make full payment of {$190.00} on or before XX/XX/year> and it all went through. The company then reported today that was at 55 % utilization. After calling XXXX  back they confirm only XXXX small payment came out of the account {$13.00}, {$5.00}, and {$16.00} which is under 10 % utilization. This is misrepresents, fraud, and deceptive billing and credit reporting practices under Federal Law with an intend to desparately cause financial harm and injuries. To deter all future business personal credit request to be deny in Badfaith as a neglect. 

ATTACHMENTS
Consumer complaint received 2024-08-11
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. (AZ)

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On the XXXX  day of the month of XXXX in the year 2024, I, XXXX XXXX, the federally protected consumer, identified a clear violations of Fair Credit Report Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ) and Privacy of Consumer Financial Information Act ( Regulation P ) on my consumer report from TransUnion, the consumer reporting agency. I am writing to express my deep frustration and concern regarding the gross inaccuracies in my consumer report and the subsequent violation of my privacy rights. The errors in my report have caused me significant financial harm and distress, leading me to lose all faith in our banking system. 

The violating information relates to an account with XXXX XXXX  XXXX, a financial institution. Specifically, TransUnion, is reporting inaccurate and inconsistent information regarding the Payment Status and Payment History : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX - XXXX ; XXXX - XXXX, which violates section 602 subsection ( a ) and ( b ) of the FCRA. These direct violations of section 607 subsection ( b ) of the FCRA which states : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting an account status as paid and paying as agreed is not consistent and reporting could not possibly be accurate when the consumer reporting agency is also reporting the payment history as late. Additionally, section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states that the term " consumer report '' does not include : " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Payment history, when reported by a financial institution, reflects my direct transactional experiences as a consumer. Furthermore, TransUnion, are nonaffiliated third parties to XXXX XXXX  XXXX and pursuant to GLBA and Regulation P section XXXX ( a ), XXXX XXXX XXXX rights and powers to share my nonpublic personal information have been revoked, meaning information such as Payment History has been reported illegally regardless. 

These violations have resulted in emotional pain and suffering, a significant and unlawful reduction in my credit score, denial of credit applications, higher interest rates and denials in opportunities for employment. 

I remind you that under Fair Credit Report Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ) and Privacy of Consumer Financial Information Act ( Regulation P ) you are obligated to ensure the accuracy and lawfulness of the information you report. This outdated information is negatively impacting my credit score and does not accurately represent my current financial situation or creditworthiness This information requires amendment to reflect a non-adverse status of the account.