davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It has been brought to my attention that you are not deleting files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

YOUR COMPLAINT I am writing to formally dispute a collection account that has appeared on my credit report. This account, which I believe to be inaccurate, is causing significant harm to my credit score and overall financial well-being. I have requested information regarding this account multiple times, yet I have not received any details about its origin or the specific debt it pertains to. I do not owe any money to the Treasury Department, and I find it troubling that this account has been reported XXXX separate times without any accompanying documentation or explanation. Furthermore, I would like to note that XXXX has removed this account from my credit report because they could not find any reason for its presence. This reinforces my belief that the account is erroneous and should not be affecting my credit standing. The lack of information has left me confused and concerned, as I have not been notified by any collection agency regarding this supposed debt. As I am currently unemployed and relying on government assistance while seeking employment, the presence of this collection account is particularly detrimental to my situation. I kindly request that this collection account be investigated and removed from my credit report ASAP, as it appears to be reported in error. I believe that a thorough review will reveal that I do not owe this debt, and it should not be affecting my credit standing. My credit score on XXXX and TransUnion has dropped by over 100 points which is causing me mental health issues and caused me tremendous financial harm
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted XXXX and XXXX Bank numerous times between XXXX and today, XX/XX/year>. I spoke to a representative named XXXX between XXXXXXXX XXXX and XXXXXXXX XXXX. She informed me that she could not allow me to speak to the fraud team, and this did not resolve my issue with XXXX Bank reporting an account negatively due to identity theft. 

It appears that XXXX Bank and XXXX Credit Bureau are refusing to honor government regulations, as XXXX is in possession of my FTC.gov identity theft report and other documentation. Initially, on XX/XX/year>, XXXX removed the XXXX Bank account by blocking my credit file, but XXXX Bank instructed them to reinstate it. This has resulted in the loss of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and future potential earnings. 

I request that this account be removed immediately under FCRA regulations.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, 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 have 21 different accounts with DEPT OF ED/XXXX XXXXnd it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.
Consumer complaint received 2024-09-19
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. (IL)

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX : {$2600.00}
Consumer complaint received 2024-09-19
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. (NC)

My account with XXXX XXXX TRANSUNION 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 in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$22000.00} XXXXXXXX XXXX XXXXXXXX Balance {$8800.00} XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX XXXXXXXX XXXX Balance {$13000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$310.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the inaccurate reporting of a collection account from XXXX XXXX XXXX on my credit report with Experian. This account, allegedly associated with the original creditor XXXX XXXX XXXX XXXXI, is entirely fraudulent and erroneous. I have never had any financial relationship or account with XXXX XXXX XXXX XXXX that could validate the {$1000.00} balance reported by XXXX XXXX XXXX. Fully dispute this entire collection by XXXX XXXX XXXX being reported and the XX/XX/year>, updated balance, all transaction history, and account activities. The collection account lists a balance of {$1000.00}, which is entirely baseless, as there is no corresponding charge-off, closed, or open account on my credit report that could justify this balance. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. The presence of this inaccurate information on my credit report constitutes a direct violation of this statute. Furthermore, 15 U.S.C. 1681i ( a ) mandates that upon notice of a dispute, the consumer reporting agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate. Given that this account is not mine and has no factual basis, its continued presence on my credit report represents a willful disregard for these legal obligations. Additionally, under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited to use any false, deceptive, or misleading representation in connection with the collection of any debt. XXXX XXXX XXXX ' reporting of this account constitutes a violation of this provision. The fact that this inaccurate information is still on my credit report also raises concerns under 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to promptly correct and update inaccurate information they have provided to credit reporting agencies. By failing to correct this erroneous information, both the furnisher and the credit reporting agency are in violation of the law. Furthermore, 15 U.S.C. 1681n and 1681o allow for civil liability in cases where there has been a willful or negligent noncompliance with the FCRA. This includes the possibility of recovering damages for actual harm, statutory damages, and even punitive damages in cases of willful violations. I demand the immediate deletion of this inaccurate and unverifiable account from my credit report, as required by law. The continued reporting of this false information is not only illegal but damaging to my credit standing. I expect confirmation of the removal of this erroneous account immediately, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please consider this dispute urgent and address it with the seriousness it demands.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2022-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

My credit card information along with email information and identity was compromised. They charged over {$5900.00} to XXXX, They also hacked my email and fanduel account when I tried to inform both my bank and fanduel that all of my information was compromised they denied my claim. I have no idea how hackers got access to all my information, but now I'm in financial ruin and I have no idea what to do. I informed them there was no way I could of approved the transactions because I was never in a state where XXXX allows the use of their service. 

Posted Transactions XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$1400.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$450.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$300.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$10.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$15.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$10.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$50.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$16.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$500.00}
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

The bank keeps changing my statement balance. It does not reflect in the time it is supposed to, for instance, a transaction posted on my account on the XXXX at XXXX XXXX and they charged me on the XXXX and then again on the XXXX for the same transaction.They then deleted the payment that had posted on the XXXX. My balance is then lowered. They are stealing money from my account. They are charging me twice then deleting the first payment. The balance keeps changing to weird numbers. Also I bought a coat from XXXX, they got their payment on the XXXX and they did not post on citizens until the fourth. They are basically charging me twice for an item then deleting it and pretending like I only made one payment when I made two. They billed me twice for XXXX XXXX and then twice for XXXX.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filling this complaint indicating my dispute of information in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am filing this report to dispute several negative accounts on my credit report that I am unaware of and did not authorize. I believe these accounts have been reported in violation of my rights under federal law, and I am requesting their immediate removal. 

Firstly, under 15 U.S.C. 1681s-2, creditors are required to report accurate information to the credit bureaus. However, these accounts contain inaccuracies and have been reported without my knowledge or consent. As such, the creditors have failed to meet their legal obligations under this statute.

Additionally, 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors must provide proper validation of a debt upon request, including a complete payment history and proof of my signature on any contractual agreements. I have never received such validation, and I believe that these debts are not mine. As these accounts were not properly validated, any continued reporting is unlawful, and they must be removed.

Furthermore, 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act requires financial institutions to obtain my explicit consent before sharing my personal financial information with third parties. I never received notice or an opportunity to opt out of such sharing, which has resulted in these unauthorized accounts being reported to the credit bureaus. This constitutes a breach of my privacy rights, and I demand that these accounts be deleted immediately.

Lastly, under 15 U.S.C. 1681c-2, if an account is the result of identity theft, it must be blocked from my credit report. Given that I am unaware of these debts and did not authorize them, I believe identity theft may have occurred, and I request the removal of these accounts. 

In light of these violations, I respectfully request that these accounts be removed from my credit report immediately. Please provide verification of my signature on these accounts, or delete them in accordance with the laws mentioned above.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I previously requested that both XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) and your bureau on XX/XX/2024 provide valid documentation to substantiate the alleged debts in question. However, the responses I received consisted solely of billing statements, which do not constitute valid VOD as defined by the FCRA. The collection agency has failed to provide adequate proof of the debt, including the original contract, payment history, and any other documents necessary to validate the account. This lack of compliance with my request is a violation of 15 U.S.C. 1692g, which mandates that debt collectors provide verification of the debt upon request.
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (OH)

I obtained this mortgage XX/XX/XXXX. In XXXX I requested a loan modification. I received paperwork that belonged to a totally different person m. The home was in Florida XXXX over XXXX, and not in my name. All the mortgage paperwork including personal information/social security/account numbers . There was a lot of back and forth with XXXX because they didnt believe that I had this information, even though I couldve easily sent proof. 

Fast forward to now ( XX/XX/XXXX ). There is no record of my mortgage on my credit report. Not on any of the 3 major credit bureaus. I contacted XXXX who informed me that they are reporting my mortgage, and to contact the credit bureaus. 

XXXX informed me that they were able to locate the account however it is under another persons name, my social, being reported on their report. Of course they couldnt tell me the name of the other person. 

XXXX. After them telling me to dispute it online and me telling them how if the account isnt showing up to dispute. After being transferred numerous times due to incompetence, a person looked up the account with my information and informed me that it is being reported, on another persons credit report, my loan number, my social security pulls it up, another persons name. 

At this point I didnt try Equifax XXXX 

I called XXXX back. Informed them of the information gathered. Informed the representative of the loan modification paperwork I received years ago that wasnt mine however XXXX didnt take seriously. She looked back on that year in my account, lets say without her being able to confirm that I was right, she never said it didnt happen. 

She told me to write to their credit dispute department with proof that they arent reporting ( you can pull my credit report and clearly see no mortgage is reporting ) and to wait 30 days. 

There is no use. If they are adamant they are reporting and are not looking that 1. My information is on someone else credit report, 2. my social security is out there, 3. I got another persons mortgage information in my safe, it is beyond working with this company. 

I been denied home improvement loans, XXXX XXXX  XXXX ) closed my account due to me not needing credit because I am not a homeowner, and my credit score cant get above XXXX because there isnt a mix of accounts on there due to this.