davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB Transunion XXXX XXXX
Consumer complaint received 2024-09-21
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. (GA)

Issue : Inaccurate Information on Credit Report, Failure to Update and Verify Information Properly Description of Complaint : I am submitting this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) during the process of updating my personal information. Specifically, TransUnion failed to properly verify and document the methods used to update my information, and as a result, my consumer rights were violated. 

On XX/XX/year>, I submitted a formal request to TransUnion to update the personal information on my credit report, which included a correction to [ specify what you asked to update, such as your name, address, or other personal information ]. In accordance with the FCRA, TransUnion is required to conduct a reasonable investigation into any disputes and provide me with the method used to verify the information included in my credit file.

However, I received a response from TransUnion stating that I did not request a verification of the update method, which is not true. I explicitly included this request in my dispute letter, as outlined in [ section 611 of the FCRA ( 15 U.S.C. 1681i ) ]. TransUnions failure to include the update verification method constitutes a violation of my rights under the FCRA, which ensures consumers the right to : Accurate Information : I am entitled to have accurate and verifiable information on my credit report. 
Verification of Disputed Information : TransUnion is required to inform me of the method used to verify the accuracy of the information during the dispute process, as per FCRA guidelines. 
Right to Be Notified of Investigation Results : TransUnion did not fulfill its legal obligation to provide the method of verification used in my case. 
By failing to provide the verification method or even acknowledging my request, TransUnion has violated my rights under the FCRA. This has resulted in [ mention any harm this caused, such as being denied credit, receiving higher interest rates, or having incorrect information remain on your credit report ].
Consumer complaint received 2024-09-21
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. (SC)

I checked my credit report noticing that all XXXX bureaus have violated my rights according to the FCRA. All information reporting must be valid, not outdated, and accurate. The names on my credit report attached to alleged delinquent accounts are not me. I have not provided a wet signature nor have I given consent for any creditor listed to furnish an account in my name. XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Dear Sir/Madam : I am writing to you regarding a closed account that appears on my credit report, associated with account number, which was reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I have been through a difficult financial situation, which has prevented me from keeping up with the payments on this account. I am fully aware of my responsibilities and take full responsibility for the delays, but due to my current circumstances, I do not have the financial capacity to pay this debt. 

For this reason, I would like to request your help in removing this account from my credit report as an act of goodwill. This removal will allow me to begin improving my credit history and move towards greater financial stability. 

I greatly appreciate your time and consideration. I am willing to provide any additional information you may need to review my request. You can contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your understanding and for considering this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a charged-off account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX with an original balance of {$8200.00}. I contacted the bank and learned that XXXX is managing my account. On XX/XX/2024, I set up a payment plan with XXXX for {$120.00} per month and made my initial payment. 

Despite this arrangement, XXXX XXXX XXXX  reported to the credit bureaus on XX/XX/2024, that I have not made any payments and that my outstanding balance is {$12000.00}. This is inaccurate and damaging to my credit report. 

I have attached documentation of my payment plan and proof of my initial payment. I would appreciate your assistance in resolving this issue.
Consumer complaint received 2024-09-20
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. (MS)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 TRANSUNION 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 2024-09-20
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 submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-20
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. (NJ)

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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 XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-24
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: EQUIFAX, INC. (TX)

Hard injuries reporting that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I checked my credit report I noticed some inquiries that I did not authorized, I have complained about some of them before and they were never removed, now I see that those same inquiries are still there and there is some new ones. I want ALL inquiries removed, I DID NOT AUTHORIZED THEM! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (FL)

Certified dispute letters were mailed on XX/XX/2024 and received by Transunion on XX/XX/2024 Transunion claims the documents were not sent by me even though I provided proof of identity. They are purposely stalling my dispute investigation requests. I requested a verification of debt, Transunion did not provide this information. 
I am requesting what their method of verification used was and to provide all of my written requests as required by FCRA laws. See dispute letter attached.
Consumer complaint received 2024-09-20
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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX- Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX XXXX  - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX- Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom It May Concern, I do NOT want any name, address, XXXX, or date of birth other than what I listed in this letter to be retained or reported. Please, DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 

Listed below are the Personal Information that are being challenged| : Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Incorrect Name : - XXXX XXXX XXXX XXXX - EMPLOYED Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX
Consumer complaint received 2024-09-20
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-20
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. (CA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts and inquiries. XXXX XXXX, Acct Num:XXXX, {$6600.00} XXXX XXXX  XXXX Acct Num:XXXX {$9300.00} ; XXXX XXXX XXXX Acct XXXX NumXXXX {$6000.00} ; XXXX XXXX XXXX XXXX Acct . Num:XXXX {$73000.00} INQUIRIES:1 ) XXXX XXXX XXXX/XXXX/XXXX  XXXX ) XXXX XXXX  XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX  XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX ) XXXX XXXX XXXX/XXXX/XXXX  XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX ) XXXX XXXX  XXXX XXXX/XXXX/XXXX  XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX