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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was checking my credit report and notice that credit cards were being taken out in my name and I had no knowledge about the credit being given. XXXX XXXX XXXX  has Issued to credit cards in my name back on XX/XX/XXXX account last four numbers XXXX with a credit limit of XXXX dollars and a balance of XXXX dollars, the account was closed on XX/XX/XXXX and the last payment was made XXXX. I nerve applied for a card from this company and would like it removed from my credit report. 
This credit card account last 4 numbers are XXXX issued by the same company listed about on XX/XX/XXXX with a credit limit of XXXX dollars, with a balance of XXXX dollars. The last payment date was XX/XX/XXXX, and a closed date of XX/XX/XXXX. I would like the credit issue removed from my credit report. I was never issued credit by this company in XXXX. 
This next credit card was issued by XXXX with the last four number of the card being XXXX. Issued on XX/XX/XXXX, with a credit limit of XXXX dollars, and a balance of XXXX dollars, last account activity on XX/XX/XXXX and a close date of XX/XX/XXXX. I never applied for this card, and would like this matter removed from my credit report.
Consumer complaint received 2024-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern regarding several inaccuracies on my credit report, which have been the subject of multiple disputes. Despite my ongoing efforts and previous communications requesting thorough investigations into these accounts, I have yet to receive a satisfactory resolution. 

The disputed accounts, including [ list specific accounts and account numbers if available ], contain errors that are severely damaging my credit standing and causing significant personal and financial hardship. The negative effects of these inaccuracies are impacting my ability to secure housing, employment, and access to credit, which are essential for my livelihood. 

I kindly request that your agency conduct a comprehensive investigation into the reporting of these disputed accounts. It is imperative that these inaccuracies are rectified immediately to prevent further damage to my credit file. Enclosed are copies of relevant documents, including [ mention any documents you are including, such as dispute letters, proof of payments, or identity theft reports ], to support my claims. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and accurate investigation of disputed information. I urge you to prioritize this matter and take swift action to correct the errors in my credit report. Please provide a written response detailing the actions taken to resolve these issues. 

Your prompt cooperation and support in addressing this matter will be greatly appreciated. Thank you for your understanding and assistance.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-26
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
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. (TX)

TransUnion is not following US laws, or US consumer laws. There are several companies reporting negative items on my credit report past 7 years. This is against the law, a violation of the FCRA & these items should be removed immediately, please. I was also a victim of multiple data breaches by XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I was informed by both companies that my information was affected by these breaches. Multiple accounts were opened in my name with various companies, & these debts were never paid. I have filed an identity theft report affadavit with the Federal Trade Commission. i encourage the CFPB to hold TransUnion accountable. thank you
Consumer complaint received 2024-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX  RECOMMEND NOT. TO DO ANY kind Business With this. company. purposely trying ruin my CREDIT .by placing this account found on my credit report. THAT NOT .OWED, NOT YET HAS BEEN.Proven.l I HAVE CONTACTED this company numerous .POLICE XXXX tried. XXXX XXXX. XXXX times. times. trying RESOLVE MATTE, WHILE this. COMPANY continue filling against my credit report.. GOVERNMENT Needs to CONTACT ALSO, ENFORCE laws against. companies like XXXX. XXXX. AKA. XXXX auto. this account has been Disputed. Numerous. Times.over 3 years. Normally after XXXX credit bueaumake decisions. ..REMOVE noticr this XXXX bein allowed filed. Not going be paid. .NORMALLY WITH BUSINESS LIKE THIS CONTINUES. FILLED TAXES. SOMEWHERE.? REASON Why XXXX HASN'T BEEN PROVEN. That " THIS. ACCOUNT BELONGS TO ME. XXXX. I OWED XXXX HASNT. provided Official documentation .Such listed. dates payments shown history found anywhere on this account Which it does. it follows under. CONSUMER .DID CONTACT ME THIS ACCOUNT HAS OTHER. PROBLEMS THEN PROOF. NAME. FOUND. INCORRECT. ADDRESS, DATES NOT listed ANY WERE ON ACCOUNT .NO WERE.LETTERS. ATTACH below While PAYMENTS bein. PAID.? Found anywhere on this account. Which does fall under FRA. Act. As bein. Consumer. While having enclosed FRAUD. ALERT ATTACT. .SHOWING ON ACCOUNT. WHICH Question THE CREDIT BUEAUS WHOM. companies also fraud alerts bein attached found on this account. .SUPPOSE to warni these companies not to file against my credit report,. Also not to issue credit, until l been officially contracted?. I HAVE Provides proof police report. Spoke to XXXX XXXX bank XXXXep. manerger Whom Once decision was, it to write.off as monitory write off. .This Letter for my service? Due it was bein XXXX. Day. Bein veteran. right off, somehow changed there decision using a CFBP portal? again questions is it just a stunt for the internal. revenue who's gon na be contacted l have been instituted to contact internal. General. Due to Rules also guidelines has bee Broken. after this complaint? 
I don't have any money due to liVIN on fix income. This account continue listing prevents me from. Renting Housings g. Nor apply for any kind loan as veteran United States international revenue will take extra majors regarding investigation th.due to each denial decisions notice affects credit bureaus scores reportin. Founded on credit reports due to found errors l dispute points has been taken due XXXX XXXX XXXX. XXXX  dispute
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. (FL)

TransUnion continues to falsely report an account and inquiry that should not be on my credit report. I have provided numerous documents to TransUnion and they fail to remove the following one account and one inquiry from my TransUnion credit report : XXXX ) XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX- This company has committed Identity Theft and at no time had my approval to open account or do business with me. I have filed a police report and reported them on identitytheft.gov. The XXXX XXXX XXXX department has conducted an investigation and the police report is attached below. 

- This account is listed as an open account. I have not and will not be doing business with this company at any time. 

- I have requested verification of debt from the company and they have failed to mail me any information requested. 

XXXX ) XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, MN XXXX- The inquiry was at no time authorized by me to run my credit. At no time, did I do business with them. I contacted the company after noticing them on my credit report. They did an internal investigation, in which they informed me that a sales representative falsely provided my information and the company utilized the information provided without my permission. They sent me a letter, and notified all credit bureaus to remove it. 


TansUnion have failed to remove the account and inquiry as I have requested over 90 days ago.
Consumer complaint received 2024-07-26
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)

Hey there my name is XXXX XXXX XXXX I noticed these inaccuracies on my credit report. All must be remove right away. I am a victim of identity theft and these inaccuracies arent mine. Please remove! Ive provided copies of my FTC report. Thanks.
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. (FL)

TransUnion continues to falsely report an account and inquiry that should not be on my credit report. I have provided numerous documents to TransUnion and they fail to remove the following one account and one inquiry from my TransUnion credit report : XXXX ) XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX- This company has committed Identity Theft and at no time had my approval to open account or do business with me. I have filed a police report and reported them on identitytheft.gov. The XXXX XXXX XXXX department has conducted an investigation and the police report is attached below. 

- This account is listed as an open account. I have not and will not be doing business with this company at any time. 

- I have requested verification of debt from the company and they have failed to mail me any information requested. 

XXXX ) XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, MN XXXX- The inquiry was at no time authorized by me to run my credit. At no time, did I do business with them. I contacted the company after noticing them on my credit report. They did an internal investigation, in which they informed me that a sales representative falsely provided my information and the company utilized the information provided without my permission. They sent me a letter, and notified all credit bureaus to remove it. 


TansUnion have failed to remove the account and inquiry as I have requested over 90 days ago.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (NC)

There are several charge offs reporting and that's illegal to do because charge offs are considered cancelled debt abnd according to the IRS cancelled debt is considered income, and income can not be reporting in a consumer report. The document attached is evidence from IRS websiteindicating about cancelled debt and how its income and the XXXX consumer reporting agencies reporting the the charg offs stating the law USC 1681. i have never authorized the bureaus to report this and this is DEFAMATION. I can litigate the bureaus for they are reporting information that's not supposed to which will damage me financially and enotionally.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block 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 XXXX XXXX XXXX XXXX opened XX/XX/XXXX, bal. {$34000.00}. 
This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 US 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the XXXX  XXXX 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 XX/XX/2023 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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.