davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
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. (MI)

Dear Transunion, my one and only name is XXXX XXXX XXXX XXXX my one and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Last XXXX of ssn : XXXX. Transunion : XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. code1681e ( b ) accuracy of report. whenever a consumer reporting agency furnishes a consumer report it is their grave responsibility to fairness and accuracy of the information concerning the individual about whom it relates. 15 U.S. code 1681i ( 5 ) a ( 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. FICO is its own identity, it does not affect the credit score. 15 U.S. code 1681- without my written permission you can not furnish my credit report. 15 U.S.code 1681 ( 4 ) - there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect to the consumers privacy. 15 U.S. code 1681 ( a2 ) - consumer report does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-23
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. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within XXXX  days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-23
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. (NC)

Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.
Consumer complaint received 2024-06-23
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. (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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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. (NJ)

Hello, I have recently obtained a copy of my TransUnion, XXXX, and XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on file unless I have given you express authorization. Please REMOVE these inquiries from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact. Also below is a copy of identity theft report and credit report Thank you very much. 

XXXX XX/XX/year>
Consumer complaint received 2024-06-23
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)

Subject : Request for Validation of Debt - ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX I am writing in response to an alleged debt associated with, XXXX XXXX XXXX XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached. 
2. The PAYMENT HISTORY with the original creditor.

3. I am also requesting a copy of PROOF OF DEBT ASSIGNMENT.

If you are unable to provide proof of these requests, then the erroneous information MUST be removed within 30 days of your receipt of this notice. 
ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed.

2. Detailed accounting of the debt, including any fees, interest, or charges added.

3. Proof that you are licensed to collect debts in [ Your State ].

4. Documentation proving that the statute of limitations on this debt has not expired.

5. Any agreements or contracts signed by me obligating me to pay this alleged debt.

Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS.

Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only.

Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX.
Consumer complaint received 2024-06-23
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. (NC)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-23
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. (GA)

I filed for bankruptcy twice in XXXX. However, I did not proceed with the confirmation hearings, and thus, no judgments were filed. XXXX has already removed these inaccuracies from my credit report. Enclosed are copies of my bankruptcy filings, court correspondence, and my updated XXXX credit report for your reference. I submitted my dispute to Transunion online. There was not an option to submit my additional documentation although the dispute center states that there is a space to submit supporting documents online. I've also connected with Transunion via their phone dispute service, in which I was informed that Transunion does not remove erroneous information on public records. They refused to submit my dispute.
Consumer complaint received 2024-06-23
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. (NC)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA.XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-06-23
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)

XX/XX/year> To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
Account : XXXX Account # : XXXX Account : XXXX XXXX  Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Consumer complaint received 2024-06-23
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. (TN)

i have disputed transunions refusal tp follow federal laws and lawmakers with cfpb previously. cfpb did nothing, well both XXXX and XXXX XXXX XXXX XXXX have investigated and concluded i have the been victim of felony identity theft. 3 months ago XXXX found that due to identity theft that i was in fact not liable for the same account i had disputed mu ; tiple times and transunion verified the debt ond continued to post the fraudulent accounts. 30 days ago XXXX XXXX found the defendant guilty of XXXX  identity theft. i reported all finings and they are still refusing to correct my security and my privacy. i have given transunion to meet very simple demands clear my credit report and pay me for the XXXX homeless years i spent because transunion ruined my life. had the CFPB done their job last XXXX when XXXX walked away with not even a slap on the wrist, i wouldnt have to suffer therough a XXXX cold winter on the streets. i filed formal complain with ftc then and i'll be filing again tomorrow. i have vendicated by the courts and corporate XXXX. its time this bureau taught their XXXX XXXX some lessons.
Consumer complaint received 2024-06-23
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. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-23
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 formally dispute the accuracy of a collection account listed on my credit report. The account in question is referenced as [ XXXX ] and is attributed to [ XXXX XXXX XXXX ]. 

Under the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Despite my efforts to verify the legitimacy of this debt, I have received no documentation or substantial evidence to confirm its validity. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you : Conduct a thorough investigation of the disputed account. 
Provide me with verifiable proof of the debt, including but not limited to : The original signed contract or agreement that created this debt. 
A complete payment history, starting with the original creditor. 
Any other documents that substantiate the legitimacy of this debt. 
If no verifiable proof can be provided, I request the immediate removal of this account from my credit report. 
The continued reporting of this unverifiable debt is causing significant harm to my creditworthiness and financial well-being. If you can not verify the debt within the time frame stipulated by the FCRA, please delete the account from my credit report to rectify this matter. 

Please confirm receipt of this dispute and provide a written statement detailing the results of your investigation. I look forward to your prompt attention to this matter and expect a response within 30 days, as required by law.
Consumer complaint received 2024-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX immediately thanks.
Consumer complaint received 2024-06-23
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)

I am a natural person, I am a living human being, I have rights under 15 USC I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

Account : XXXX XXXX XXXXXX/XX/XXXX# XXXX Account : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Account : XXXX XXXX XX/XX/XXXXXXXX Account :XX/XX/XXXXXX/XX/XXXXXXXX # XXXX
Consumer complaint received 2024-07-14
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)

I have submitted multiple complaints to various companies and credit bureaus regarding the identity theft my wife and I have experienced. Our personal information was stolen from her vehicle, and we have already filed police reports documenting the incident. We are actively working to resolve this matter and prevent any further misuse of our identities. 
Furthermore this is my personal information all other personal info should updated and deleted.
Consumer complaint received 2024-06-19
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-23
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)

TransUnion ( who is notorious for interfering with accurate credit scores since they enjoy cutting scores over ridiculous changes ) lowered my credit score by 3 points because one of my 31 accounts had an increase balance of {$150.00}. I bought a hose for the garden. I'm using less than 1 % of my available credit. This is a complete misuse of power, it's completely unfair and I want this to stop! They don't add points when my accounts are paid in full, but take away points whenever I have any balance and this should not be allowed.
Consumer complaint received 2019-06-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I obtained a XXXX loan in XX/XX/2019. Since XXXX I have had almost XXXX deducted from my bank account and the balance is still over XXXX. Each time I call to get an answer regarding the balance and the terms of the loan I'm told its not a set time limit and to pay it off asap. I asked if this company was licensed in Virginia to do business which is my state of residence and was given an answer that didn't make sense.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-23
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)

The EDFINANCIAL accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that EDFINANCIAL provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.