davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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. (TX)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I DEMAND the below accounts be deleted from my consumer report. I AM NOT ASKING FOR THEM TO BE VERIFIED. 
Account : XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards
Consumer complaint received 2024-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked at my credit report back on XX/XX/year>, and noticed something is incomplete and not accurate According to the. Fair Credit Report Act. Whenever a consumer reporting agency prepares a consumer report, it reasonably procedures these accounts. 
TRANSUNION. 
1-Account Name : XXXX XXXX XXXX : Account Numer : XXXX XXXXAccount Name : XXXX XXXX 
Account Number : XXXX. 
3-Account Name : XXXX Account number : XXXX. 
I sent a letter on XX/XX/year> to investigate the completeness and accuracy of the account with Transunion, which is making it hard for me to submit my dispute,
Consumer complaint received 2024-06-29
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. (TX)

Account : XXXXXXXX XXXX XXXXXXXX {$330.00} Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. Furthermore, Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-06-29
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)

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate 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 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 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 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I paid off the balance even though my account was fraudulently used. Ive contacted the company multiple times requesting a receipt or some type of documentation with proof. I was told I was suppose to receive it multiple time which I still havent. I have attached a screenshot of the payment that was made
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In XXXX there was a data breach and ever since then Ive had nothing but issues in trying to repair my credit all I ask is for a clean slate ... multiple unknown inquiries and acounts
Consumer complaint received 2019-07-28
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: Experian Information Solutions Inc. (IL)

I have been contacting Experian explaining to them that they are reporting things that absolutely do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information along with address information that I have never lived at. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. On XX/XX/XXXX I submitted a complaint about this case XXXX & they states that they could not locate me in the Experian system but still reports fradugelent accounts after I have requested they delete the fraud information.
Consumer complaint received 2024-06-30
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)

Last year I sent certified letters via United States Postal service to all three credit bureaus about false information reported on my credit. Enclosed is copy of information already resubmitted to be deleted and or adjusted correctly : Fix multiple names on credit report : Fix false addresses reported : XXXX  Late payment from XXXX was paid XX/XX/XXXX In clothes in this complaints or the following information to verify information is inaccurate and reporting falsely : Highlighted Payment on Credit Report : Untiliiy Bill With correct address : Proof of identity : Notice to furnishers : Copy of U.S. Code 1666b
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MN)

Issue is with a transaction through Wells Fargo Bank involving a VISA Debit Card, I noticed an unfamiliar charge that appeared on my on-line banking record indicating a funds transfer for {$60.00} on XX/XX/. I called Wells Fargo XXXX XXXX on XX/XX/ to report the charge by which time three more charges had been transferred to the same unfamiliar account via a XXXX service. The three additional charges were still pending at that time. Wells Fargo cancelled the debit card but indicated that they couldn't stop/freeze the pending funds transfers. The total amount transferred to the unauthorized person ( identified as XXXX was {$850.00}. 

Wells Fargo issued card reversals on XXXX XXXX XXXX  to total the {$850.00}. and indicated that they were investigating. 

I received a letter from Wells Fargo dated XXXX  indicating that they had completed their research and stated that they found that the charges were made by me and thus were reversing the reversals. I contacted Wells Fargo on XXXX  and again on XX/XX/ and was informed that they had submitted my complaint to VISA, VISA supposedly did an investigation, and sided that XXXX had verified the transfer appropriately and that I was now responsible for the charges. Wells Fargo provided a phone number and email that was used to verify the funds transfer for a service through XXXX, neither of which are familiar to me and certainly not authorized by me. The phone number used to verify the transfer was XXXX and an email of XXXX. The phone number comes back to a number in XXXXXXXX XXXX, at least by my research. Again, I have never done business with this person and never authorized any funds transfer to them. 

Wells Fargo have indicated that they can do no more as VISA is the final arbitrator. VISA never contacted me in their investigation, neither has Wells Fargo.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Consumer complaint received 2024-06-30
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)

I have made several attempts in requesting help from TransUnion in regards to two collection accounts on my credit report. XXXX XXXX is the owner of these alleged accounts and they have only supplied proof of these debts existence in the form of " printed-out '' statements and bills, although i have requested legal proof such as a contract, promissory note or agreement bearing my signature .I have submitted all documents supporting my dispute to TransUnion and they have failed to respond. TransUnion has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing XXXX XXXX to continue to report negative, inaccurate information that they have not proven to be legally mine.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

REPORTING INFORMATION ON MY CREDIT PROFILE WITHOUT MY CONSENT AND WITHOUT CHECKING THE ACCURACY OF WHICH BY LAW THEY ARE REQUIRED TO DO AND THE VIOLATION ON THE PRIVACY ACT OF XXXX
Consumer complaint received 2024-06-30
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)

Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent.

I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged ....

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Consumer complaint received 2024-06-30
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 recently reviewed my credit report and noticed the 3 credit bureaus ( XXXX, XXXX, and TransUnion ) were not reporting accurate information. The late payments reflected on my accounts between the dates XX/XX/XXXX and XX/XX/XXXX were incorrect recordings of missed payments during the loan forbearance period. I have since paid my XXXX XXXX account off and is now closed. Enclosed I have copies of the 3 credit bureaus inaccurately reporting late payments during that XXXX global pandemic found on my credit report. Please investigate this matter and contact the nationwide credit bureaus to have them remove the disputed items as soon as possible.
Consumer complaint received 2024-06-29
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. (TX)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is greatly hindering my ability to obtain credit. It is my understanding that the credit bureaus will investigate this for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : XXXX XXXX Acct # XXXX
Consumer complaint received 2024-06-29
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)

Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent. I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged ....

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Consumer complaint received 2024-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

~ XX/XX/XXXX I noticed an unknown account posted as collections onto my credit report for ~ $ XXXX ( Rounding, as this debt collector continues to change these amounts ) and I filed a dispute letting all 3 credit bureaus know that this account is not mine and I have no agreement/relationship with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX later learning this company has been dissolved since XX/XX/XXXX ) ~ XX/XX/XXXX, I received a response from XXXX stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I then asked for further investigation and received the same response, " Reinvestigation Info. This item remained unchanged from our processing of your dispute in XXXX XXXX. '' Transunion stated " Dispute resolved '' No changes made. 


XXXX XXXX XXXX XXXX XXXXXXXX has viciously reported balance increases every month at different amounts to different credit bureaus with added remarks and repeated illegal false reporting, further violating my rights and impacting my credit. 

~ XX/XX/XXXX To date, I am continuously denied loans & housing due to their false reporting. Discrepancies on these accounts that aren't mine show as follows : - XXXX " XXXX XXXX XXXX '' [ spelling shown is exactly what presents on report ] " original creditor '' " {$10000.00} '' " open balance '' " opened XX/XX/XXXX '' increased balances over past year - Experian Account Name XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$10000.00} Balance Updated XX/XX/XXXX Original Balance {$9000.00} Terms 1 Months On Record Until XX/XX/XXXX Credit Bureaus have not done their due diligence. Over the past year and a half this company has not only harassed me repeatedly, they have also severely impacted my credit and my ability to seek loans & housing for me and my child with their false reporting. Not only is XXXX XXXX XXXX and XXXX XXXX XXXX dissolved/inactive companies, they are also false reporting and using deceptive tactics under " XXXX XXXX XXXX '' while still DBA " XXXX XXXX XXXX '' I have no agreement, contract, nor any relationship with either of their companies. They can not be an original creditor when they haven't been an active company since XXXX. Because it is illegal to report false and inaccurate information, this should be removed from my report immediately.
Consumer complaint received 2024-06-29
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A - states I have a 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 with my written instructions 15 U.S.C 166b - A creditor may not treat a payment on a credit card account Under an open and consumer credit plan as late for any reason