davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (MS)

I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed that there are several inquiries listed which I did not authorize. These inquiries are negatively affecting my credit score and do not reflect my consent. 
The Fair Credit Reporting Act ( FCRA ) requires that credit inquiries be made only with the consumer 's permission. The following inquiries appear on my credit report without my authorization:1. XXXX XXXX - XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX - XXXX XXXX - XX/XX/year> XXXX. XXXX - XXXXXXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the FCRA, I am entitled to have these unauthorized inquiries removed from my credit report. Please investigate this matter and remove these inquiries from my credit report immediately.

Enclosed with this letter are copies of my identification and proof of address to assist in verifying my identity. I appreciate your prompt attention to this matter and request that you provide written confirmation of the removal of these inquiries from my credit report within 30 days.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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. (OR)

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have severely disrupted my life, causing considerable stress and anxiety. I must emphasize that I never authorized this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have two credit cards with annual fees totaling {$490.00}. Despite getting approved for both accounts, paying the membership fee and keeping the accounts in good standing, Capital One regularly restricts my access to my own accounts " for security reasons '' even though there haven't been any security concerns on either cards since account opening. This wouldn't even be an issue if the verification process didn't take up to 10 business days and didn't include the uploading of my ID documents, bank statements and even my social security card on a regular basis. This verification process has been completed 10-15 times in just a little over a year since I'm a Capital One customer, resulting in me not able to use my cards and earn points for any larger transactions ( which are well within my credit limits ), which is a privilege that I pay almost {$500.00} per year for. I fully understand the security on these accounts is crucial, but when the account is flagged this frequently, basically every time there is a purchase larger than XXXX dollars, with the same transaction getting blocked twice in some instances after the verification was already completed for the specific case. I even tried to call in before making larger purchases, but was told that there is no way to pre verify a purchase. Unfortunately, as both of my accounts are currently restricted, I had enough of this. If this matter is not resolved in a permanent manner, I will seek to take the necessary legal steps to ensure that I receive the service that I pay for with the assistance of my attorney and also explore options to close or downgrade my current accounts to take my business to other institutions where my accounts can be used as intended. I attached the records of instances where I received email requests that I have, this doesn't even include all of the times this had to be completed.
Consumer complaint received 2024-07-07
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.

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 2024-07-09
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)

XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The 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 you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-09
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. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-07-08
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. (NV)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-09
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 formally requesting the deletion of these charge-offs from my credit report pursuant to the provisions of 15 USC 1681b ( 2 ) ( a ) ( i ) of the FCRA. 

XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX This section states that when a debt is charged off, that means the creditor wrote it off on their taxes and received a profit It's illegal if the creditor didn't send a 1099c because charge offs are considered income by the IRS. The IRS considers a charge-off to be income, and it may be taxable. A charge-off is when a lender writes off an account as a loss because it's become too delinquent. The lender may forgive or cancel the debt for less than its full amount, which the IRS treats as income for tax purposes. The lender may send the borrower a Form 1099-C, " Cancellation of Debt " which the borrower must report as taxable income on their tax return. Income can not be reported on a credit report. Furthermore, I would like to emphasize that the presence of inaccurate or outdated charge-offs on my credit report is in violation of the FCRA, which mandates accurate and fair reporting of consumer credit information. 

I kindly request that you conduct a thorough investigation into this matter and delete the charge-offs from my credit report promptly. I have enclosed copies of relevant documentation supporting my request, including any pertinent information regarding the permissible purpose for the inclusion of this information on my credit report. Please provide written confirmation once the charge-offs have been removed from my credit report, as required by law.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

information pertaining to this item is incorrect/inccurate.this debt is showing twice in my credit report.debt from XXXX XXXX XXXXXXXX and from XXXX are XXXX reporting balances.delete immediately. I have previously disputed/ requested from XXXX XXXX investments and they are just saying this is verified and updated. Both accounts are showing as open with different balances for same debt.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-08
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)

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 2024-07-08
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. (OK)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-09
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 this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$620.00} Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it:XXXX Total fraudulent amount : {$2100.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it:XXXX Total fraudulent amount : {$1600.00}
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-08
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-29
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. (FL)

MY PERSONAL INFORMATION WAS INVOLVED IN IDENTITY THEFT AND AS A RESULT INQUIRIES WAS MADE WITHOUT MY KNOWLEDGE. 
INVESTIGATE OR DELETE THOSE FRAUDULENT INQUIRIES.
Consumer complaint received 2024-07-09
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 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 2023-09-20
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-09
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)

XXXX XXXX XXXX Subject : Consumer credit report violations Dear, TransUnion, XXXX and XXXX I am writing to dispute the inclusion of certain utilization information related to my credit card experiences on my consumer report. I believe that this is a violation under 15 USC 1681a2, as Congress clearly states that transactions and experiences of this nature should not be included in the consumer report. 

Upon reviewing my credit report, I noticed that the utilization information of my credit card experiences has been reported, which has negatively impacted my credit standing. I would like to bring to your attention that this information should not be considered for reporting purposes, as explicitly stated by Congress. 

I kindly request that you investigate this matter and remove the utilization information of my credit card experiences from my consumer report. I believe that this action is necessary to ensure the accuracy and fairness of my credit history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation into this matter. I kindly request that you provide me with a written response within 30 days of receiving this dispute letter, stating the actions taken to address my concerns. 

Enclosed with this letter, please find copies of relevant documents that support my claim. These documents include [ list any supporting documents, such as credit card statements or correspondence with the credit card issuer ]. 

I appreciate your attention to this matter and your prompt resolution of the dispute. Please note that I expect a fair and accurate representation of my credit history in accordance with the laws and regulations set forth by Congress. 

Thank you for your cooperation. I look forward to receiving your response within the specified time frame. 

Sincerely, XXXX XXXX XXXX