davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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)

Subject : Request for Method of Verification and Deletion of Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report. I have previously disputed the account : XXXX XXXX XXXX Account XXXX twice, and on both occasions, the account has been verified as accurate. I am requesting a detailed method of verification for the information provided. 

Specifically, I would like to know the following : The name ( s ) of the person ( s ) or entity/entities the credit burea

u spoke with during the verification process. The phone number ( s ), email ad
dress ( es ), and physical address ( es ) of the person ( s ) or entity/entities contacted.

Moreover, I have identified discrepancies in how this account is reported across different credit bureaus. For instance, the account is listed as open with XXXX and closed with Transunion. This inconsistency indicates that there may be inaccuracies in the information being reported. 

Due to these discrepancies and the lack of consistent and verifiable information, I am requesting that this account be removed from my credit report. The inaccuracies are not only confusing but also potentially damaging to my creditworthiness. 

Please conduct a thorough investigation and provide me with a method of verification as outlined above. I expect a prompt response and resolution to this matter, as it is my right under the Fair Credit Reporting Act. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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>
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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 writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made XXXX  attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open accounts and request corrections. Follow-up communication was initiated to inquire about the status of the correction process. Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays. XXXX  attempts were made to escalate the matter within your organization, seeking a more expedited resolution. Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timelyand satisfactory resolution to be implemented to rectify the inaccuracies in my records.Please help me correct the following accounts : XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX
Consumer complaint received 2024-07-22
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. (PA)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agencies XXXX, Transunion and XXXX, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX Transunion, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, Transunion and XXXX, have never informed me of my right to exercise my nondisclosure option. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-22
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. (PR)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my XXXX XXXX and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2024-07-24
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. (TX)

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 2024-07-25
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. (KY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-22
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. (NJ)

Upon checking my credit report on TransUnion, there has been a fraudulent account on my credit file that has been opened without my authorization. I do not recognize the account. The account is as follows Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account Open Date : XX/XX/year>. Account number : XXXX. According to XXXX XXXX, the account has been transfered to a debt collection company named XXXX XXXX XXXX ph. XXXX Please remove this from my TransUnion credit file.
Consumer complaint received 2024-07-24
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 year
s.

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 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX requested for All three credit credit bureaus to remove XXXX account and XXXX from my credit report on XX/XX/XXXX. XXXX FURNISHER did not remove from my credit report. Today ( XX/XX/XXXX ) I call XXXX XXXX associate sent a request for XXXX to remove XXXX  and XXXX from credit my report for the second time.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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)

Subject : Request for Metro 2 Compliance and Verification of Account Information Dear Sir/Madam, I am writing to dispute an account listed on my credit report that is not in compliance with Metro 2 standards. After disputing this account twice and both time information came back as verified. I notice The account in question is : XXXX Account XXXX This account is missing several critical Metro 2 compliance fields, which discredit your response to account being verified as account. 

Worst Payment Status ( Field XXXX : XXXX Segment ) Current Payment Status ( Field XXXX : Base Segment ) Term Duration ( Field XXXX : Base Segment, currently showing 0 months ) As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all reported information is accurate and complete. The absence of these essential fields indicates non-compliance with Metro 2 reporting standards and compromises the accuracy of my credit report. 

Additionally, I request the following information regarding the method of verification used to verify this debt : The name of the person who verified this debt ( Field XXXX : Base Segment ). 
The address, email, and phone number of the person or entity that provided this verification ( Field XXXX : Base Segment ). 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
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)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a Student Loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX, a loan account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ) I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-24
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. (IA)

THERE ARE FRAUDULENT ACCOUNTS, INCORRECT PERSONAL INFORMATION, AND UNAUTHORIZED HARD
INQUIRIES APPEARING ON MY CREDIT REPORTS AND I WANT THEM REMOVED IMMEDIATELY! THEY DO NOT
BELONG TO ME! THIS IS MY 3RD TIME WRITING YOU, REQUESTING "PROOF OF CONTRACT" FROM THE CREDIT
BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT!
FRAUDULENT ACCOUNTS FROM TRANSUNION AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Validation and Proof of Claim and Notification of Attempt to Collect a Debt Past Legal Statute of Limitations National Credit Adjust XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone XXXX According to FDCPA DATE : [ XX/XX/year> ] I received a letter from your office attempting to collect a debt for National Credit AdjustersXXXX XXXX . According to the laws in my state of TEXAS the debt in question is past the legal statute of limitation under contract law to collect. I demand that you cease all collection activities regarding this debt, or Ill report your actions to the State Attorney Generals office and the department who licenses debt collection companies in my state. 
I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) :
Consumer complaint received 2024-07-24
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)

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 : ALLY Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-22
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. (NV)

15 U

SC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/year> I mailed out some disputes to Transunion regarding some inaccurate reporting of a bankruptcy. I have yet received any update or deletion of this account. 

SEE ATTACHMENT