davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This has been ongoing. I purchased this car XXXX of last year. I have made at least XXXX payments that were returned but I corrected them and I paid the return fees, late fees and miscellaneous fees. The miscellaneous fees will not XXXX what the fee is for. I don't know why I'm receiving these fees. When I asked about them I can't get a straight answer.Since then I have been receiving late fees and incorrect postings of my payments. I've received different answers regarding my inquiries with each individual I speak with. I have never been over 30 days late paying on my car note. But I recently saw that I have a credit report of a XXXX late. I have called and tried to resolve this ( XX/XX/year> ) with them but I was put on hold forever and then finally they hung up ( supervisor ID number XXXX XXXX ). I spoke with supervisor XXXX XXXX ID number XXXX on when I called back. He wanted to put me on hold again but I told him no I had already been on hold for XXXX minutes and I wasn't about to hold again. He stated he didn't see where I was late over 30 days and he would forward it to accounting for review to audit my account. I asked him if he can send me a copy of that audit and he stated he would have someone call me and discuss it with me. That's not good enough I want him to send me a copy I am entitled to a copy of that audit. 
At times they would tell me everything is going to be good they don't see it where it should have been reported and they're going to clear it up but every time I call back they say the same thing and it never happens. I am trying to clean up my credit due to a recent bankruptcy and this is driving me crazy. No one at the company is taking me serious. This is holding me up for things I need to do and this is the only thing that's holding me up. I have late fees throughout my account that should not be there and other fees. But I can't get them to clean that up either. Some of my payments are being put toward interest and none toward principal. When I purchased the vehicle it was XXXX some odd dollars. It is almost a year later and I owe {$30000.00} in some odd dollars. Something's not right. I have caught a lot of the customer reps in lies about my account. It's like they don't know what's going on. Please help.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There numbers of account which is not belong to me. I have reported numbers of time to credit companies. 

They don't provide me any investigation report regarding the issue or eaither remove from my credit report.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Back in XXXX I wrote to the CFPB about the data XXXX data breach. I was notified that my data was affected. I immediately notified the CFPB about the breach. I also stated that I want to block my credit profile report. Meaning I need written notice from entities when furnishing or sharing my personal data.Where is your written notice? This is identity theft! Your entity is violating my rights. I received a new inquiry of a new address on my credit profile. How did that address get on my report? I never lived at the location. I live in XXXX, NC not XXXX, FL. Please remove : XXXX XXXX XXXX XXXX, FL XXXX. How did anything get on my report without written permission? This is considered identity theft. This address needs to be removed immediately. My address is XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC. All correspondence should be addressed to XXXX XXXX XXXX XXXX. 

Where is the contract for XXXX XXXX where I gave them permission to furnish my account? Where is your entity 's written notice? As I stated in my last letter you need written permission from XXXX XXXX XXXX before furnishing any account information. My accounts are run by my XXXX. All my accounts are private and I require written permission from all agencies to share XXXX XXXX XXXX XXXXonsumer profile. With each violation will be a fine of {$1000.00} for noncompliance. I need a notice from the financial institution or credit agency with full account information and full disclosure on how to settle the account in bankruptcy, see Bankruptcy act of 1933. After I examine the account, I will decide what to do. As these are my accounts. Your company operates through the United Stated Codes, please follow those codes, or I will be forced to take civil action. Please remove all inaccurate information below. Thank you for your time. 


Remove immediately Inaccurate Information Address XXXX XXXX XXXX XXXX, FL XXXX Accounts XXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 accounts 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 accounts 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.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquires immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
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)

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : XXXX. XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2024-07-24
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (MI)

I 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, who's studying XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails 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 if you could assist in removing the following from my credit report.
Consumer complaint received 2024-07-24
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 company 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 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 XXXX 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 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 2024-07-24
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)

To whom it may concern, I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : XXXX XXXXXXXX XXXX  Account Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX XXXX Account Account Number : XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Account Number : XXXX Balance : {$1900.00} Inquiry from XXXX Date : XX/XX/XXXX These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 

Attached is a copy of my FTC Identity Theft Report Case Number : XXXX which serves as proof that all the aforementioned accounts, collections, and inquiries are fraudulent. I request that you block this information from my credit report immediately as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please read my complaint thoroughly and take this seriously. There's an account with false and incorrect information being reported on my credit, which is not assured to be the maximum possible accuracy. This has caused me undue stress and has affected all aspects of my life negatively.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DC)

Iam a victim of identity theft and the ( 3 ) MAJOR CREDIT BUREAUS and reporting fraudulent information such as unknown addresses mix information on my credit reports like account opening dates as well as reporting dates this need to be fixed asap the FTC AND POLICE IS BEING UPLOADED TO THIS COMPLAINT.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX, XXXX, TRANSUNION, & XXXX I am writing to formally dispute inaccurate information that has been reported on my credit report. This dispute is made pursuant to 15 U.S. Code 1666b regarding the timing of payments and the requirement for creditors and reporting agencies to exercise due diligence prior to reporting.

CFNA ( XXXX XXXX ) Account Number : Ending XXXX Date of Dispute : XXXXXXXX XXXX XXXX Late Payment According to 15 U.S. Code 1666b, 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 to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date.

Additionally, under 15 U.S. Code 1666, creditors are required to conduct a thorough investigation and correct any billing errors within a specified timeframe. The information reported on my credit report does not reflect these legal requirements, and I believe it to be inaccurate. 

I request that you Investigate the disputed information. 
Correct any inaccuracies found. 
Provide me with written confirmation of the corrections made. 
Please consider this letter as my formal dispute and acknowledgment of my rights under the Fair Credit Billing Act. I expect a response within the legally required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-07-24
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IA)

This company is reporting fraudulent inaccurate information on my credit report Have requested that they provide the purchase agreement to show full ownership of such account and also other documents So I may review to see if this is the actual account account that belongs to me
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX I believe that this charge off account is inaccurate because 1. The high balance reported by TransUnion is {$1200.00}, while XXXX reports {$0.00}, and XXXX reports {$1200.00}. 
2. The date of last verification is XX/XX/XXXX in TransUnion, but it is not reported in XXXX or XXXX. 
XXXX. The date of last activity is reported as XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date reported is XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date opened is XX/XX/XXXX according to TransUnion, but it is XX/XX/XXXX according to both XXXX and XXXX. 
XXXX. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by TransUnion as XX/XX/XXXX and not reported by XXXX or XXXX. 
XXXX. The account rating is reported as " Derogatory '' by all three bureaus. 
XXXX. The account description is reported as " XXXX '' by all three bureaus. 
XXXX. The dispute status is reported as " Account not disputed '' by all three bureaus. 
XXXX. The creditor remarks in TransUnion indicate that the account was charged off as bad debt and canceled by the credit grantor, while XXXX states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. 
XXXX. The payment amount is reported as {$0.00} by all three bureaus. 
XXXX. The last payment date is reported as XX/XX/XXXX by both TransUnion and XXXX, but as XX/XX/XXXX by XXXX. 
XXXX. The past due amount is {$540.00} across all three bureaus. 
XXXX. The credit limit is reported as {$1000.00} by both TransUnion and XXXX, but {$0.00} by XXXX. 
I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX