davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$87.00} XXXXXXXX XXXX XXXX Balance : {$4800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX : {$680.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-09-14
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)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$220.00} XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$30000.00} XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX  XXXX XXXX DATE OPENED XXXX BALANCE {$720.00} XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$670.00} XXXX  # XXXX XXXX OPENED XX/XX/XXXX - BALANCE {$3000.00} XXXX  # XXXX  DATE OPENED XX/XX/XXXX - BALANCE {$500.00} XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1100.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$500.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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
Consumer complaint received 2024-09-16
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 2024-09-16
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. (NC)

I am writing to dispute the hard inquiries on my Transunion credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the date specified.
Consumer complaint received 2024-09-16
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. (FL)

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 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (FL)

My name is XXXX XXXX XXXX. 
I have had a credit card with TRUIST since XX/XX/XXXX, I am very careful where I put my card for fear that my information will be stolen, I am a customer who always makes his payments on time, on XX/XX/XXXXXXXX  I made the mistake of paying in XXXX with the physical card and from there the storm began with this bank. 
I have opened more than 10 cases of fraudulent transactions since that date, no matter how many times I cancel my card, the same company ( XXXX  ) continues to charge it, the bank does not take action on the matter, it only cancels and sends a new card and Sometimes without having reached my hands, the same company has made new charges in it, HOW IS THIS EXPLAINED?????? Well, the only answer that the TRUIST fraud case representatives have is that XXXX gives my new card information to the company over and over again ... and no matter how much I have spoken with supervisors, I have gone to branches, I have written letters to customer service, I have written bad reviews about the bad service from the representatives, TRUIST DOES NOTHING, they just send a new card, I am in a circle that I can not get out of, they have already affected my credit score, adding a REMARK CODE for all open fraudulent cases! The representatives of TRUIST refuse to give their name and when I ask to be connected to a supervisor all they do is transfer my call to another representative. 
I am sending this case to several places, lawyers and CFPB ; in my opinion it is very serious, not only have I spent hours behind a phone talking to representatives ( time is very important ) but I have also had very bad times, I have evidence of all the calls and all transactions with date and time, I immediately request that this case be resolved and that I be given the response that I have been requesting since XX/XX/XXXX and that no representative or manager has been able to give me. 
I don't understand how it is possible that XXXX continues to make charges on my card without giving my consent that I am the only one authorized, I have never had business with this company and no matter how much I say that they block this company and put up a red flag TRUIST DOES NOTHING!!!!!
Consumer complaint received 2024-09-06
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)

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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08
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: Experian Information Solutions Inc. (MD)

On XX/XX/year>, I filed a dispute with XXXX XXXX regarding a charge of {$140.00} by XXXX for ordered items not being received. However, XXXX XXXX failed to resolve the dispute within 90 days as it is legally required to do so per XXXX. As the attached document clearly indicated that XXXX failed to resolve the dispute only until XX/XX/year>. 

Consequently, under 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$140.00}, nor any associated fees, due to its failure to resolve this dispute within the required timeframe. Moreover, I demand the immediate removal of all fraudulent information from all credit bureaus, including XXXX, Experian, and XXXX. 

I reserve the right to pursue all available legal actions against XXXX XXXX and all other parties involved for its failures and illegal actions in handling this dispute. 

All fraudulent information, including the reported past due amount, must be immediately removed from all credit bureaus, including XXXX, Experian, and XXXX, to avoid further legal action against all parties involved.
Consumer complaint received 2024-09-26
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. (PA)

Subject : Dispute of Inaccurate Account Information XXXX XXXX XXXX This is my third request to have this issue resolved, I am writing to formally dispute the inaccurate reporting of my account with XXXX XXXX XXXXR on my credit report. Upon reviewing the account details, I have identified several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). I request that this account be removed entirely. 

Identified Discrepancies : Inaccurate Charge-Off Reporting : The account reflects multiple charge-offs dating back to XX/XX/XXXX through XX/XX/XXXX, despite being marked as paid in settlement. The FCRA requires accurate reporting, and ongoing charge-off statuses are misleading, misrepresenting the current state of the debt. 

Failure to Update After Settlement : Following the settlement of {$530.00} in XX/XX/XXXXXXXX XXXX the account should no longer report as charged off. Under FCRA ( 15 U.S.C. 1681c ( a ) ), it is required that once a debt is settled, the account status must be updated accordingly. The lack of an updated status is inaccurate and unfairly portrays my financial obligations. 

Overlapping Negative Information : The account shows both past-due statuses and charge-off statuses within the same reporting periods, leading to potential confusion regarding my creditworthiness. According to FCRA ( 15 U.S.C. 1681e ), credit reporting must be clear and not misleading. This overlapping reporting harms my credit profile without justification. 

Misrepresentation of Payment History : The history of the account includes numerous charge-offs, which creates confusion about my payment obligations. The Truth in Lending Act ( TILA ) mandates clear disclosures, and this accounts reporting does not reflect the true nature of my payment history, thereby violating consumer protection standards.

Negative Impact on Credit Profile : The ongoing negative reporting associated with this account has caused significant damage to my credit score. Under the FCRA, credit reporting must be fair and accurate. The presence of inaccurate charge-off statuses and multiple past-due reports unfairly damages my credit standing.

Request for Resolution : Due to the inaccuracies outlined above, I request that this account be corrected to accurately reflect the paid settlement status or be removed from my credit report entirely. If this information can not be verified as accurate, it must be deleted, as mandated under FCRA ( 15 U.S.C. 1681i ( a ) ).

Next Steps : I ask that you conduct a thorough investigation of this account and provide me with the results within 30 days, as required by law. If the inaccuracies can not be resolved, I expect the immediate removal of this account from my credit report. Additionally, I request a corrected copy of my credit report reflecting these changes.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142. ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking fo of Debt XXXX and would like for all listed account to be block and deleted company information Transunion. Please delete the following accounts. Acct- XXXX XXXX XXXX XXXX Acct- XXXX XXXX XXXX XXXX XXXX Acct- XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Hard Inquiry on My Credit Report, I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from transunion dated XXXX XXXX. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
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)

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 2023-10-05
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX 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 2024-09-26
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Equifax had assured me that they would remove the unauthorized hard inquiry by XXXX XXXX XXXX Bank XXXX 30 days of XX/XX/XXXX. Despite the persistent and numerous attempts, along with the submission of relevant documents by XXXX XXXX XXXX Bank XXXX XXXX inquiry remains on my report. 
I urge you to direct Equifax to promptly remove my unauthorized XXXX XXXX. Despite repeated attempts, Equifax still needs to honor their promises of swift removal, leaving the unauthorized hard inquiry of XXXX, dated XX/XX/XXXX, on my report, to be removed.