davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
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. (AR)

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 2024-07-05
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. (AL)

After reviewing my credit report i noticed an account that was opened fraudulently this account is hurting my ability to gain credit. 

In order to verify my identity and avoid any delays I have included proof of address, my state issue ID, and social security card. 

I hope and trust that the credit bureaus will work fast and diligently to get these accounts removed. Thank you
Consumer complaint received 2024-07-05
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. (NY)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the status is inaccurate, the count of late payments is inaccurate, the high balance is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under XXXX XXXX81 section 602 A. States I have the right to privacy.

15 US C 1631 Section 604 A Section 2 : It also states e consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2024-07-05
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. (CA)

I am sending this complaint asking for assistance to formally request Credit Bureaus an investigation into the inaccurate information being reported on my credit report. After reviewing my credit report obtained, I have identified XXXX XXXX XXXX XXXX  Balance : {$45000.00}, XXXX XXXX Balance : {$2500.00} that I believe to be incorrect and adversely impacting my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy of the information they report. In light of this, I kindly request that they initiate an investigation into the aforementioned account. Please verify the accuracy of the reported information with the creditor and correct any inaccuracies that are identified.
Consumer complaint received 2017-01-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Select Management Resources, LLC (VA)

My complaint with XXXX is usury high interest rate that was n't on what I agreed with the officer did informed about the loan would be XXXX $ but when the loan was typed it was a totally different number at XXXX I never agree to this until after I realised this loan will never be paid off
Consumer complaint received 2024-07-05
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. (TX)

I am deeply frustrated by the response from the credit reporting agencies regarding the investigation of these accounts, which they claim came back as verified. However, this assertion baffles me, as my credit report still contains multiple inaccuracies. 

As a conscientious consumer, I have the right to understand the thoroughness of the verification process conducted by your agency, as stipulated under 15 U.S.C 1681i ( 7 ) Method of Verification. I demand a detailed account of every step taken to ensure the 100 % accuracy of these disputed items.

It is unacceptable that despite these purported investigations, my credit report continues to reflect discrepancies. I urge your agency to rectify these errors promptly and provide me with the comprehensive documentation I am entitled to under the law.
Consumer complaint received 2024-07-05
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. (TX)

The credit reporting agencies have asserted that these accounts were thoroughly investigated and confirmed as verified. However, this assertion raises serious doubts, as my credit report still contains multiple inaccuracies. 

As a consumer, I demand transparency regarding the specific steps your agency undertook to ensure the accuracy of these items, as required under 15 U.S.C 1681i ( 7 ) Method of Verification. It is my right to understand how these discrepancies were addressed and resolved to guarantee that my credit report reflects 100 % accurate information. 

The continued presence of these inaccuracies undermines my ability to manage my financial affairs and damages my creditworthiness unfairly. I urge your agency to conduct a thorough and genuine reevaluation of these accounts, considering all relevant documentation and evidence I have provided. 

I expect a prompt and detailed response that outlines the exact methods used to verify these accounts and how the discrepancies will be rectified to comply with federal law.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your help in addressing and resolving this situation swiftly and efficiently.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

MY MORTGAGE WAS SOLD TO SUNTRUST. I HAVE RECEIVED NOTICES FROM SUNTRUST, THAT MY HOMEOWNERS INSURANCE HAS NOT BEEN PAID.I ALREADY SENT PROOF OF MY PAID INSURANCE FROM XXXX MY INSURANCE CARRIER AND STILL NO SATISFACTION. 
MORTGAGE LOAN XXXX
Consumer complaint received 2024-07-05
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. (KY)

CFPB FOR REMOVE CHARGE OFF ACCOUNT I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : name account : XXXX XXXX XXXX, number : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-08-16
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. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I have been in a dispute with Transunion over a bankruptcy that they are reporting on my credit report. Towards the end of 2021 I discovered that the credit bureaus were reporting a XXXX XXXX bankruptcy on my credit report. I reached out to the bureaus to find out where they were getting the information and they said it was coming from the courthouse, so I wrote the court to inquire about the information given and I found out that the court does not supply or validate any such information to any credit bureau. They supplied me with a letter, and I sent to them but then they told me that XXXX was actually the one suppling the information. I wrote to XXXX and inquired, and they said yes, they were supplying the information which they got from the courthouse. I launched a dispute with the letter from the courthouse and XXXX removed the bankruptcy from their file. I have provided that letter and also the letter from the courthouse for your review. After they removed it from their file I went to all three bureaus and launched another dispute, and I supplied them with the letter from the courthouse saying they do not report to any credit bureaus or validate any information either and I also sent the letter from XXXX stating their removal from their records and as a result of the XXXX and XXXX end up removing the bankruptcy from their files as the law required them to base on the fact that they could not fully validate the information with the original source which would be the courthouse, as per 15 U.S.C. 1681a which states that that all reporting must be 100 % accurate but Transunion kept reporting it till this day, even though I have repeatedly asked them to remove the reporting from my file. I ask them to reinvestigate many times over, which they say they do but they don't. No proper reinvestigation is ever done. Consumers have the right to accurate reporting as per the law and if they can not validate the information, then they must remove it and pay the fines for damaging my credit file for 4 years. I demand that this wrong be made right with a removal and that they honor the laws. I also demand that they honor 15 U.S.C 1681b and adhere themselves to reasonable procedures as stated by the law. Thank you for your consideration of this very important matter. 

Sincerly, XXXX XXXX
Consumer complaint received 2024-08-16
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. (NY)

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. 

Account Name : XXXXXX/XX/XXXXAccount Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion XXXXXX/XX/XXXX XX/XX/year> XXXX 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 2024-08-16
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: EQUIFAX, INC. (FL)

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and informed them of the violations they were committing against my consumer report. 

It has now been over 30 days since those disputes were submitted, and I have not received any response. I am attaching copies of all letters that were sent for your reference. 

I request immediate action to address this issue and ensure that the inaccurate information is corrected on my credit report.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to dispute the findings of the investigation conducted by the credit bureaus regarding the accuracy of the information on my credit report. The credit bureaus have stated that the Account Name and Account Number were properly investigated, but this is impossible when the open date, the date last active, and the date last reported are all inaccurate. These discrepancies are grounds for the removal of the account from my credit report. 

Additionally, my rights under XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ), have been violated. This law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided written permission for these accounts to be furnished on my credit report. 

Given these violations and inaccuracies, I am requesting that these accounts be removed from my credit report immediately. I expect prompt action to address these issues in compliance with federal law. 

Sincerely,
Consumer complaint received 2024-08-16
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. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-05
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 XXXX  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 in 120days 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 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 2024-08-16
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)

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and informed them of the violations they were committing against my consumer report. 

It has now been over 30 days since those disputes were submitted, and I have not received any response. I am attaching copies of all letters that were sent for your reference. 

I request immediate action to address this issue and ensure that the inaccurate information is corrected on my credit report.
Consumer complaint received 2024-07-05
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. (MD)

I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-06-27
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: EQUIFAX, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number : XXXX
Consumer complaint received 2024-08-16
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. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.