davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this is my third dispute I am writing to dispute the charge-off reported on my credit report, which I believe may contain inaccuracies and violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I am requesting a RE-IVESTIGATION I identified the following late inaccurate payment XXXX. **Account Information : XXXX XXXX XXXXCreditor Name : XXXX [ XXXX ] - **Account Number : ** [ XXXX ] - **Date of LATE PAYMENT : ** [ Date of XX/XX/year> ] XXXX. **Violation of FCRA : ** The reporting of this LATE PAYMENT may contain inaccuracies or incomplete information, which impacts the accuracy of my credit report as guaranteed under the FCRA , specifically under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I request that you conduct a reinvestigation into this LATE PAYMENT and provide me with the following information : - Verification that the reported LATE PAYMENT is accurate, complete, and reflects the correct details of the account.

- Documentation showing that the LATE PAYMENT was reported within the timeframe allowed under the FCRA and other relevant regulations.

Please note that under the FCRA, I have the right to dispute inaccurate information on my credit report and request that inaccuracies be corrected promptly. If it is determined that the account is inaccurate or can not be verified, I request that it be removed from my credit report if it can not be updated to paid on time never late/ 100 % on time payments.

Please provide a written response to this dispute within 30 days from the date of this letter. Your failure to comply with the FCRA may result in legal action being pursued against your agency for non-compliance.
Consumer complaint received 2024-06-27
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. (LA)

I reviewed my credit report and noticed there is a collection account I do not recognize. I initially reached out to the credit reporting agencies and they stated that the information was valid. I also noticed that this collection is only reporting on XXXX credit agencies Transunion and XXXX per my consumer rights and my right to privacy any item on my report should be the same on all three credit agencies and no collection should have a balance listed. I did state that this account does not belong to me and they did not remove the information. I have a right to remove anything on my report that is not accurate. I do not have any documentation used that this company debt belongs to me. I chose to OPT OUT of any reporting from this company and would like this removed from my report and an updated report showing the change. Or if you feel I have made an error and can prove this collection belongs to me please send the original contract and what documentation used to show that my signature is on contract and debt belongs to me. And please remove all fraudulent inquires per the FCRA.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX XXXX  were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX  contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$28000.00}
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (CA)

Writing to request the removal of an inaccurate account reported by National Credit Systems on my credit report. This company has provided inconsistent and incorrect information across all three of my credit reports, violating the Fair Credit Reporting Act ( FCRA ). 

The FCRA requires that ALL information reported on credit reports must be accurate, complete, and timely. National Credit Systems has failed to meet these legal standards, and their reporting is harming my credit standing. Demand that they remove the account immediately.

Made several requests to National Credit Systems, telling them I never gave their company access to my credit report and that my social security information was stolen in data breach. They refused my requests without taking any steps to verify the accuracy of the information. Urge you to address this issue promptly and ensure compliance with the law. 

Thank you for your assistance.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and notice an account that was not reporting accurately. I had ( 2 ) late payments on my account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates. ( XX/XX/XXXX and XX/XX/XXXX ) I'm now requesting you to investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint following your recent investigation. I disagree with your findings and request a thorough review for complete accuracy. I believe more effort is needed to contact the creditors reporting this information. Therefore, I request additional details on the following accountsquestion : TRANSUNION : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} -- -- -- -XXXX XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} -- XXXX -- -XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and correct these accounts. Provide me with the names and addresses of the persons contacted. You have 15 days from receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this time constitutes non-verification, requiring prompt correction or removal of the accounts according to Section 1681i ( a ). Notify me when the accounts have been corrected or removed, and forward an updated copy of my credit report to the address listed above.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX 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/year>
Consumer complaint received 2024-06-27
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. ()

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-09-10
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. (MO)

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. I told the Transunion to reinvestigate these accounts : on XX/XX/XXXXXXXX XXXX XXXX XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXXXXXX XXXX XXXX ( never applied, already had an account with them ) ; on XXXX XXXX XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXXXXXX XXXX XXXX XXXX ( never applied, already had an account with them ). However, they stated everything was complete and accurate or still working on it, but it is been more than 30 days since I submitted the complaint. But also how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (DE)

Under the XXXX, banks are required to follow specific rules and regulations when it comes to customer accounts and transactions. These rules are designed to protect the interests of both the bank and its customers. However, there are certain circumstances in which a bank may choose to close an account or terminate a banking relationship with a customer. My rights were broken
Consumer complaint received 2024-06-27
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. (NV)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX  XXXX Balance : {$3700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-27
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unfair Mortgage ( and Checking ) Payment Practices by Bank of America Account Information : Mortgage with Bank of America : Approx. {$4000.00} Payment Method : Auto pay / debit on the 1st of each month Transfer Funds : From another savings account Payment History : Never been late Incident Description : Payment Not Debited : On XXXX XXXX XXXX, I noticed my XXXX XXXX  mortgage payment, set up for automatic debit on the first of every month, was not processed. A late fee of {$200.00} was imposed.

Auto Deposit Issue : I had set up an automatic deposit for the mortgage amount on XXXX XXXX XXXX ( which was a Saturday ). However, the checking account credited the deposit on

XXXX XXXX XXXX, the next business day. My balance on XXXX XXXX  was {$16000.00}.
Customer Service Call : I noticed the issue on

XXXX XXXX XXXX, and immediately called BofA. I was on hold and on the phone for over an hour, speaking with three different customer service representatives. BofA informed me that since XXXX XXXX  was a weekend, the deposit was credited on XXXX XXXX  ( the next business day ). Despite having sufficient funds on XXXX XXXX BofA mortgage did not process the payment, making it feel as though they were waiting for me to default. Lack of Notification : BofA did not notify me of the payment issue. I only discovered it by checking my online mortgage statement on XXXX XXXX. Resolution : BofA did not offer to refund the penalty or provide an apology during the call. It was only after being on hold for over an hour and threatening legal action that BofA finally agreed to refund the {$200.00} late fee. This does not address the underlying issue. Weekend Processing Discrepancy : BofAs checking accounts apparently do not process deposits on weekends, while mortgage payments are apparently collected even on weekends. This inconsistency caused the problem. Potential Credit Impact : If I had not caught this error within 30 days, it could have been reported to credit bureaus, damaging my credit score. Unfair Practice : BofAs failure to process the payment despite sufficient funds on XXXX XXXX  and lack of notification is unfair and could have led to severe credit consequences.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this complaint due to multiple accounts showing on my Transunion credit report as a result of identity theft. According to 15 USC 1681C-2 states " except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any info in the file of a consumer that the consumer identifies as information that resulted from an alleged " identity theft '' not later than 4 business days after the date of receipt. ''
Consumer complaint received 2024-06-27
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-06-27
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. (UNITED STATES MINOR OUTLYING ISLANDS)

According to FCRA 605B, you must eliminate any wrong accounts from my credit report. Please examine the documents provided ; there are inaccuracies in the reported accounts, including wrong amounts and dates.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-09-10
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.