davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (NJ)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) 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. I know that Under 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 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt c

ollectors. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2020-04-23
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. (NY)

To Whom It Will Concern, I was looking at my XXXX XXXX account on XX/XX/XXXX. I noticed there was inaccurate information that was solved a long time ago. This company called XXXX XXXX XXXX saying I owe XXXX {$2700.00}. This is 100 % Inaccurate. I did have XXXX at some point but moved to XXXX. When I went into the store middle of XXXX and transferred everything over they were paid in full whatever was owed which was no where near {$2700.00}. I called XXXX  on XX/XX/XXXX to see what this was all about and if they can verify it. The customer service rep said they do not have me on record and just best for me to dispute it with each credit reporting agency and it will come off since they were lacking proof and could not provide documentation.
Consumer complaint received 2024-09-02
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. (MN)

XXXX HAD A BREACH WHICH SEVERELY IMPACTED MY CREDIT. THESE ITEMS MUST BE REMOVED IMMEDIATELY!!!! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 XXXXopay. 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 2024-09-11
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. (TX)

on XX/XX/2024 i notified the legal department of XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servis One, Inc., Titusville, PA Branch (VA)

mortgage service company ( BSI Financial Services ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact BSI 's loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.
Consumer complaint received 2024-09-02
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)

In accordance with the Fair Credit Reporting act. The following collection agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX on TransUnion, XXXX and XXXX, XXXX and XXXX XXXX Acct unknown on TransUnion, XXXX XXXX XXXX Acct XXXX on TransUnion and XXXX, XXXX XXXX XXXX XXXX on TransUnion and XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct Unknown on TransUnion The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information assembled by Credit Reporting Agencies I recently review my credit reports from TransUnion, XXXX and XXXX, I noticed many things are not accurate and incomplete and according to the fair credit reporting act the consumer reporting agency prepares a consumer report it shall have the maximum possible accuracy of the information concerning. the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

15 U.S.C. 1681c. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

On all these collection agencies, I did receive any information from or sign anything with them, that been said why they all are saying that I open an account with them when I did not. The XXXX and XXXX XXXX is one of the prime examples They said I open an account XXXX XXXX XXXX but the original creditor last payment was XXXX that was XXXX years ago. The statute of limitation in XXXX  is XXXX years.
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (NY)

To Whom It Will Concern, I was looking at my XXXX XXXX account on XX/XX/XXXX. I noticed there was inaccurate information that was solved a long time ago. This company called XXXX XXXX Is saying I owe XXXX {$2700.00}. This is 100 % Inaccurate. I did have XXXX at some point but moved to XXXX. When I went into the store middle of XXXX and transferred everything over they were paid in full whatever was owed which was no where near {$2700.00}. I called XXXX on XX/XX/XXXX to see what this was all about and if they can verify it. The customer service rep said they do not have me on record and just best for me to dispute it with each credit reporting agency and it will come off since they were lacking proof and could not provide documentation.
Consumer complaint received 2024-09-05
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. (VA)

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 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 2024-09-11
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)

Can't stress enough that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 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 2024-09-11
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)

I have diligently communicated the disputed nature of this alleged debt to each of the three major credit bureaus : XXXX, TransUnion, and XXXX. These communications were sent via certified mail, providing detailed information about the lack of validity of the debt claim, including : 1. Copies of my correspondence with XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
2. Documentation showing their failure to produce a valid contract with my signature.

3. Evidence of the creditors ' acknowledgment that no such contract exists.

4. My consistent assertion that I did not apply for or authorize this debt. 

Despite providing this comprehensive information, XXXX, TransUnion, and XXXX have refused to remove the disputed entry from my credit reports. This refusal persists even though I have clearly demonstrated that the alleged debt lacks proper verification and legal standing. 

The credit bureaus ' failure to act on this information is in direct contradiction to their obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Given the evidence I have provided, a reasonable investigation should conclude that this alleged debt is not verifiable and should be removed from my credit reports. 

The continued reporting of this unverified debt by XXXX, TransUnion, and XXXX is causing undue harm to my credit standing and financial reputation. Their inaction in the face of clear evidence demonstrates a disregard for the accuracy and fairness principles that underpin the credit reporting system and are in violation of FCRA 605 ( b ) ( U.S.C. 1681c-2 ), Requires removal of each item from my credit report within four days of this complaint submitted.

I have fulfilled my responsibility as a consumer by promptly and thoroughly disputing this inaccurate information. The credit bureaus ' failure to appropriately respond to and act on this dispute raises serious concerns about their commitment to maintaining accurate credit reports and protecting consumers ' rights.
Consumer complaint received 2024-09-11
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. (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  ; Account number : XXXX, XXXX  XXXX ; Account number : XXXX, XXXX  XXXX ; Account number:XXXXXXXX XXXX ; Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Department of Education ; Account number : XXXX, Department of edXXXX XXXX XXXX Account numberXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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 conviction 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my credit report on XX/XX/XXXX and noticed several inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. The accounts listed below contain incomplete and inaccurate information. These accounts must be deleted immediately due to violations of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This Address is not mine and must be DELETED from my credit file immediately. 
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX- This Address is not mine and must be DELETED from my credit file immediately. 
3. XXXX XXXX XXXX Account Number : XXXX Date Last Active : Transunion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXXXXXX Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 
4. XXXX XXXX XXXX Account Number : XXXX XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX- This is not my correct address. Remove it immediately from my credit report. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Date Last Active : Transunion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 
4. XXXX XXXX XXXX Account Number : XXXX Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 


And one more thing according to 15 USC 1681s-2 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. Check the attachments sent below
Consumer complaint received 2024-09-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>