davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive been trying to reach out to the creditors and Experian regarding the inaccuracies on my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-06-18
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 urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zarzaur and Schwartz, PC (AL)

I received a summons to court on XX/XX/XXXX by a sheriff to my home address. I was not aware of the account they were trying to collect debt on. I went to the XXXX XXXX, XXXX website which had my supposed account. There I saw the account that they were suing me for. The account is past the SOL. There has not been a payment since XXXX to XXXX XXXX. I was going to through bankruptcy and it did not work out. I asked to enforce the FDCPA and everything went unanswered. I have called them. I was told that my debt was too old to sue, but they could collect money or report to the credit bureaus. I was shocked to find out that I was being sued. I do not have any communication with them within the last year. The account on the XXXX XXXX Website had two payments. One on XX/XX/XXXX for {$21.00} and XX/XX/XXXX for {$94.00}. These are not payments that I made as I had no communication from them. These are fraudulent details to help restart the time limit to sue me. I can provide bank statements for those time periods and show that no payment was made to XXXX XXXX, XXXX and they have no right to collect this debt. They have Zarzaur & Schwartz suing me in my local probate court. They know that they can not as I have made no payments.
Consumer complaint received 2024-08-16
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. (OH)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX BANK ACCOUNT XXXX : XXXX I HAVE RECENTLY DISPUTED THIS ACCOUNT THE ACCOUNTS WAS VERIFIED AS ACCURATE. i ask how can this account be verified accurate with no proof of procedure of investigation and ALSO MY CONSENT WAS NEVER PERMITTED TO COMPANIES INVOLVED IN THIS DIPUTE TO FURNISH MY CREDIT PROFILE USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies USC 1681i PROCEDURE IN CASE OF DISPUTED ACCURACY 18 USC 1341 FRAUDS AND SWINDLES ALSO THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I ASKED FOR A PROPER INVESTIGATION TO BE DONE, BUT THERE IS NO PROOF OF INVESTIGATION I DEMAND AS A FEDERALLY PROTECTED I DEMAND THIS ACCOUNT TO DELETED THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681c2 - Block of information resulting from identity theft 18 U.S. Code 1038 - False information and hoaxes
Consumer complaint received 2024-08-16
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. (OH)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX ACCOUNT # : XXXX I HAVE DISPUTED THIS ACCOUNT ON XXXX THE COMPANY UPDATED DISPUTE TO VERIFIED AND CERTIFIED AS ACCURATE INFORMATION. how can this be when there was no proper investigation done. i know it wasnt done becuz the proof of procedure had not been provided. also i have NOT permitted any reporting agency or othe company any PERMISSION and or CONSENT to furnish my credit profile THIS IS A VIOLATION OF THE XXXX XXXX XXXX XXXX XXXX ALL COMPANIES INVOLVED ARE IN VIOLATION OF THIS LAW REMOVE THIS ACCOUNT FROM MY CREDIT REPORT NOW THANK YOU also THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

XXXX XXXX XXXX XXXX ( B ) & XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Code XXXX theft prevention ; fraud alerts and XXXX XXXX alerts XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX XXXX XXXX AND XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I SEND OUT XXXX LETTERS ON XX/XX/2021 TO TRANSUNION CONSUMER SOLUTIONS, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. I HAVE NOT RECIEVE ANY INFORMATION ABOUT FORMAL COMPLAINT. THESE COMPANY HAS FELL TO ABIDE BY THE LAW.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-19
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. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$4300.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to urgently seek your assistance in removing charge-offs with incorrect balances from my credit report. Despite numerous attempts to rectify these errors directly with the credit bureaus and creditors, the inaccuracies persist, adversely affecting my creditworthiness. This is a critical issue that requires immediate intervention. 
Despite these efforts, the charge-offs continue to be reported with incorrect balances. This ongoing inaccuracy is causing significant harm to my financial standing and credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file, and I am requesting on your intervention to ensure this right is upheld. I respectfully request that you could hepl me investigate this matter and facilitate the immediate correction of these charge-offs on my credit report. Your prompt attention to this issue is crucial in preventing further damage to my credit profile. The following accounts needs to delete are as follows : XXXX XXXX XXXX XXXX XXXXXXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00}.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-19
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)

To Whom It May Concern, I am writing to file a formal complaint against Transunion, XXXX and XXXX for their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous communication with them regarding inaccurate credit information, they have failed to take appropriate action to rectify the situation. 

I received a copy of my credit report which revealed the following errors : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX I carefully reviewed the FCRA, specifically 15 U.S. Code 1681, Congressional Findings and Statement of Purpose ( a ), which emphasizes the importance of accuracy and fairness in credit reporting. Accordingly, I requested the removal of the aforementioned items from my credit report, as they are not associated with me. Furthermore, I provided clear evidence supporting the inaccuracy of these entries. 

Despite my explicit request and the legal obligations outlined in the FCRA, Transunion, XXXX and XXXX has failed to conduct a proper investigation into these disputed items. They have neglected to recheck the accuracy of the entries with the respective creditors who reported them. As a result, these erroneous accounts remain on my credit report, damaging my creditworthiness and violating my consumer rights. 

According to 15 U.S.C. Sec. 1681i ( a ) ( 1 ) ( A ), Transunion, XXXX and XXXX is required to complete a reinvestigation within XXXX  days of receiving my dispute letter. However, they have disregarded this legal time frame and have not provided me with an updated copy of my credit report, as mandated by the FCRA. Furthermore, they have failed to comply with the requirement to send notices of corrections to anyone who received my credit report within the past XXXX months. 

I kindly request your intervention in this matter to ensure that Transunion, XXXX and XXXX fulfills their obligations under the FCRA. I believe their actions constitute a violation of my consumer rights, and I seek appropriate remedial measures to rectify this situation. I request that a thorough investigation be conducted and appropriate action taken against Transunion, XXXX and XXXX for their noncompliance with the FCRA. 

Furthermore, I request that you provide guidance on how I can further protect my consumer rights and seek redress for the harm caused by Transunion, XXXX and XXXX 's actions. I believe that their negligence and failure to comply with the FCRA warrant severe consequences, as this affects not only my financial well-being but also my overall trust in the credit reporting system. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your assistance in protecting consumer rights and ensuring fair and accurate credit reporting practices.
Consumer complaint received 2024-06-19
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. (MA)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Consumer complaint received 2024-06-19
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)

XXXX XXXX XXXX has continued to violate the FCRA on numerous occassions by knowingly entering harmful information that intentionally harmed my credit file! I was reported on multiple credit reporting agencies by them as a monthly CHARGE OFF with a OUTSTANDING BALANCE from XX/XX/XXXX until XX/XX/XXXX! 
XXXX XXXX XXXX SOLD my CHARGE OFF account to the XXXX XXXX XXXX to COLLECT the Outstanding Balance who also placed a COLLECTION ACCOUNT on multiple credit reporting agencies during the same exact time to cause me harm and put pressure on me! On XX/XX/XXXX, I settled my collection with XXXX for {$270.00} and ( SETTLED IN FULL AND IMMEDIATELY DELETED )! XXXX, XXXX XXXX has written off {$280.00} and placed ( Settled for LESS THAN FULL Balance )!
Consumer complaint received 2024-06-19
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. (MO)

I am writing to urgently request your assistance in correcting ongoing inaccuracies in my credit report. The continued presence of these inaccuracies on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report. My repeated attempts to dispute these errors have been met with inadequate responses and no resolution. Despite these efforts, the inaccurate reporting persists. I have enclosed copies of my previous correspondence, dispute letters, and all supporting documentation for your review. I am now seeking for your intervention to ensure these inaccuracies are corrected immediately. The failure to rectify these errors has caused significant harm to my financial standing, and I am prepared to take legal action if necessary. Please conduct a thorough investigation into this matter and facilitate the immediate correction of my credit report. I request written confirmation once the inaccuracies have been addressed. Despite previous attempts to resolve these issues directly with the credit bureaus and creditors, the following inaccuracies persist, severely impacting my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX see things may be inaccurate. Start looking at the account name, opening date,
Consumer complaint received 2024-06-19
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. (CA)

I'm writing to alert you of a very serious and critical issue : the compromising of my Social Security number, which has resulted in a data breach and identity theft. To resolve this matter as soon as possible, I contacted the Federal Trade Commission and submitted an FTC Report, which is enclosed with this communication. 

According to 15 USC 1681c-2 ( c ) ( a ), as a credit reporting organization, you must immediately block and remove all information linked with this identity theft from my credit report. This Act requires credit reporting companies to respond to such requests within four business days after receiving a complaint that includes the following information. 

XXXX XXXX - XXXX : ** You have violated United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I never gave you any written consent to report anything on my consumer report. Under 15 U.S. Code 1681b, these accounts must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. This letter has also been sent to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXX XXXX XXXX XXXX - XXXX : ** The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. According to compliance standards, these claims are currently unverified and can not be assumed valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX The XXXX data  breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. According to compliance standards, these claims are currently unverified and can not be assumed valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

I am emphasizing the importance of the situation and my expectation of a swift and effective response. Failure to reply satisfactorily will force me to take legal action against your agency, as allowed by law. Please be advised that I shall seek damages, including but not limited to statutory fees, with each violation incurring a statutory cost of {$1000.00}, as provided in 15 U.S.C. XXXX.
Consumer complaint received 2024-06-19
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.