davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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)

account is reported on TransUnion WITHOUT any Payment history. I kindly request the removal of all accounts due to inaccurate reporting. I have attached supporting documentation showing the proof. This misinformation has caused significant issues for me, especially as a service member with a security clearance that requires financial stability. Despite having paid the account in full, it is negatively impacting my credit. I urge you to assist in removing these accounts from all three credit bureaus. Additionally, your prompt attention to this matter is greatly appreciated. Thank you for your assistance.
Consumer complaint received 2024-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balanced : {$540.00}
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. (GA)

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.
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. (NY)

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 2024-07-24
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. (AR)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I disagree with accounts listed below which still appears on my credit report, even after your investigation. We can not say these accounts are 100 % accurate so its deemed inaccurate.15 u.s code 1681i ( 5 ) treatment of inaccurate or unverified information ( A ) In general if after any reinvestgation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that information from the file of the consumer report. Please delete these accounts immediately!
Consumer complaint received 2023-10-03
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. (GA)

I am writing this letter to express my serious concern and objection to the continued furnishing of the above-referenced account by your agency on my consumer report. As per my understanding, this account is reporting past the statute of limitations in the state of Georgia and is adversely affecting my credit history. 
On XX/XX/XXXX, I had submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) regarding this particular issue ( copy of the dispute letter attached for your reference ). 
Despite my previous attempts to rectify this matter, upon reviewing the notification from Transunion on XX/XX/XXXX, I was astonished to find that the account still appears and your agency states that the account was verified even though it is past the statute of limitations. 
According to your records, the account was updated based on the information provided by the furnisher. However, this information is well past the statute of limitations. The most recent report reflects that the Date of Last Activity was XX/XX/XXXX and the Date Closed was XX/XX/XXXX. This information suggests that the account is over nine years old, which is beyond the credit reporting time limit as set by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with ( XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 21 days before the payment due date. 


( XXXX 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 2024-07-24
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. (AR)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. (NJ)

I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE
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. (NY)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2023-06-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Law Office of Michael J. Scott, PC (VA)

I took out XXXX different student loans with XXXX XXXX XXXXXXXX XXXX  while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX . These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school, as well as exceeded the cost of attendance. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the XXXX different private student loans ( serviced by XXXX ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were XXXX XXXX XXXX loans. I am now being sued in XXXX General District Court in the state of Virginia by XXXX XXXX XXXX XXXX XXXX for each of the XXXX private student loans in attempt to collect the debt. 

I received a XXXX in Debt for XXXX of the loans. I have not received the XXXX in Debt for XXXX of the loans, although they are listed on the court docket. I believe they did not in good faith serve me with the other XXXX in Debt in an attempt to secure a default judgement for not appearing in court. The attorney of record handling each of the cases is Scott & Associates , P.C . as shown on each of the XXXX in Debt. In an attempt to avoid going to court, I contacted their office to offer a settlement that was realistically affordable for me given my limited means. They contacted me a few days later with counter-offer that was still well beyond my ability to pay.
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. (TX)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : SXXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (LA)

XX/XX/2019 it was XXXX off my Unempolment card. From atm in XXXX XXXX Texas. When I was in my bed in XXXX XXXX. I call the card. Company telling my card with me. Someone have duplicate Card and be use it In Texas at ATM. But I feel like know stealing my identity. How can I or yall can stop him this man. File taxes in my name. And everything, but the company send some paperwork I have to send to get my money back but is that a big crime because they stole money funds I get from the state huh.
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. (AZ)

XXXX, Transunion and XXXX all have misinformation on me. 

Social Security Numbers ending in XXXX, XXXX, XXXX, and XXXX are not mine. 

XXXX XXXX is not my spouse XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX None of these are addresses I ever lived in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my name
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. (NY)

To Whom It May Concern, I am writing to dispute the inaccurate information regarding the account listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report ( File Number : [ Your TransUnion File Number ] ). This inaccurate reporting has negatively impacted my credit score, and I am requesting the removal of this account from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). 

The credit report erroneously states my last payment on this account was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This discrepancy represents a significant error in reporting that warrants the removal of the entire account listing.
Consumer complaint received 2024-07-22
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)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In Accordance with the Fair Credit Reporting Act XXXX these accounts below has Violated my rights according to 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 an account without my written instructions Account : Note loan XXXX Account XXXXSecured loan Account  : Installment sales contract XXXX Account XXXX Auto loan Account XXXX Note loan XXXX Installment Account XXXX Credit card Account XXXXBusiness line personally Guaranteed Account : Auto loan XXXX Account XXXXSecured loan Furthermore, please provide the following 1.The Original Contract with my Signature on it 2.Creditor information ( Name, Address and Phone Number of Original Merchant 3The Payment History and Itemized Billing Associated with Each Account 4.Proof Of Ownership ( Proof That The Company Trying to Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (PA)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX and XXXX, have never informed me of my right to exercise my nondisclosure option. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurate information. The consumer reporting agencies have need to report all information with complete accuracy. On this account I have a status of pays account as agreed on my XXXX and paid or paying as agreed on my TransUnion, both stating my payments to this account have been in full and on time each month as per the terms of the agreement with the creditor. Yet I had a late payment falsely reported when I in fact paid on time. 
Ive attached a copy of my report to this complaint showing an inaccurate late payment reported on the following date, XXXXXXXX XXXX. This account is also reporting open on my TransUnion, and closed across the other XXXX bureaus. Please reinvestigate this matter and contact the nationwide credit bureaus to have them remove the late payment to reflect a paid on time and never late status and update my account.
Consumer complaint received 2023-09-28
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They said they resolved the issue. But issue is still there? I still see fraudulent inquiries still on my credit report. It looks like you want me to name it out, so let me type it here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX