davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (SC)

I am, once again, is submitting this CFPB Complaint to request to you to correct my Credit File from erroneous reporting of accounts and information. When I checked my credit record, I discovered that there a lot of billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. I need you to correct and or remove the following erroneous information : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$0.00}. Also, you have been claiming that the disputed items have been verified by the creditors themselves and yet you did not send me any copies of proof of verification from your investigation which is a clear violation of my consumer rights under the FCRA. If you did not find any documents to support your claims, please correct the disputed items.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (TX)

late payment. XXXX pt drop on experian. i had paid off my discover card and stupidly turned of auto payment. a straggler charge appeared and payment was not made on time. I turned on auto pay and paid my balance in full. approached discover via experian w/no resolution to review my account. my account is XXXX XXXX XXXX and has never had a late payment. trying to get someone on chat w/discover and can only get their virtual assistant. this was an honest mistake and now I have problems w/an insufferable corporation who will not provide me any review and adjustment yet I continue to be inundated with relentless solicitations for more credit cards and equity lines of payment, and student loans. I can not believe a company that wont review my account and drops my credit rating is eager to take more of my money.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Both TransUnion and XXXX have failed to remove the debt although it has been proven through multiple disputes that debt validation guidelines/items that were requested from the collection agency via mail in XX/XX/year> were not met by the collection agency. I have filed disputes repeatedly through TransUnion and XXXX. These credit agencies have ruled in the favor the of the collection agency I am disputing even though I have not yet received a response to the debt validation letter from the collection agency ( XXXX XXXXXXXX XXXX ) The debt reported to my credit by XXXX. XXXX XXXX is not mine and debt validation requests have been ignored. The charge should have been billed to my secondary insurance at the time ( XXXX ) if the agency found that my primary insurance at the time that was provided by my employer ( XXXX ) did not cover the charge. Instead of taking these steps, I was billed instead while having both XXXX and insurance through my employer. I have since opted out of the insurance provided by my employer, as I have switched to a salary position beginning XX/XX/XXXX and now have another health insurance provider through my employer. Either way, at the time of the charge, I should not have been billed as this charge could have and should have been covered by XXXX when I had XXXX. I have attached a copy of the debt validation letter that I sent by mail to the collection agency, and that has been uploaded to both XXXX and TransUnion dispute centers in attempt to dispute the debt. The collection agency has failed to meet the guidelines of the debt validation letter and yet, I the reporting agencies mentioned have not removed the account from my credit. I have the right to the information requested in the debt validation letter within a reasonable time. This standard has not been met and
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-16
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: Experian Information Solutions Inc. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  - XXXX
Consumer complaint received 2024-08-27
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. (PA)

I attempted to resolve the issue with the credit furnishers and creditors that are reporting the fraudulent credit accounts on my credit file. I am now in the process of civil litigation against the creditors and soon the credit furnishers if it does not get resolved immediately. Under the FCRA I request the fraudulent accounts be blocked/deleted immediately. I have attached a copy of my Victim Determination Document.
Consumer complaint received 2024-08-27
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. (GA)

I am a victim of identity theft, which has led to the appearance of an unauthorized account and 21 inquiries on my credit report. These were added without my knowledge or consent.

ACCOUNT : - 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 XXXX 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 I have reported this identity theft to the FTC and request the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Consumer complaint received 2023-03-13
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: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-08
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-08
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. (AZ)

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time ( XX/XX/XXXX and XX/XX/XXXX ). The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/XXXX I'm not requesting you investigate this account and update these payments to paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2023 Capital One Attn : Customer Relations XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Unauthorized Hard Inquiry on My Credit Report Dear Sir/Madam of Capital One, I hope this letter finds you well. I am writing to address a concerning matter regarding an unauthorized hard inquiry on my credit report, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that Capital One promptly investigate and remove this inquiry from my credit report. 

Upon reviewing my credit report, I discovered an unauthorized hard inquiry dated XX/XX/2023. I would like to emphasize that I did not authorize this inquiry nor did I have any prior knowledge of it. This unauthorized inquiry not only impacts my credit score but also raises concerns about potential fraudulent activity. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for this inquiry, I believe it is in violation of this provision. 

I kindly request that Capital One promptly investigate this matter and take appropriate action to remove the unauthorized hard inquiry from my credit report. I also request that you provide me with a written confirmation once the inquiry has been removed. 

Enclosed with this letter, please find a screenshot of my credit report highlighting the unauthorized hard inquiry for your reference. I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX
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: Experian Information Solutions Inc. (IN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-08-27
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. (MO)

I am writing to request the removal of the following accounts from my records, as they do not belong to me : Account Number 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  Additionally, I believe that the inclusion of these accounts may be in violation of 15 U.S. Code 1681c, which mandates that certain types of information must be removed from consumer credit reports after specific periods. The continued presence of these accounts on my report could be in violation of these requirements.

Please remove these accounts from my credit report and update your records accordingly. If you require any further information or documentation to process this request, or if you need to address the potential violation of 15 U.S. Code 1681c, please let me know. 

Thank you for your assistance. 

Best regards, XXXX XXXX
Consumer complaint received 2024-10-08
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX ], I am writing to formally dispute the reporting of a closed account referenced as a charge-off from XXXX XXXX on my credit report. This account is erroneously reported as both a closed account and a past due account, which is misleading and inaccurate. Additionally, I have observed that since this reporting, XXXX XXXX has continuously added an extra dollar to the reported balance, which I believe is both improper and malicious. 

The reporting of this account violates specific provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. **Section 609 ( 15 U.S.C. 1681g ) ** : The right to obtain a copy of my credit report and dispute inaccurate information contained within. The continuous addition to the balance clearly indicates that the reported information is misleading.

2. **Section 602 ( 15 U.S.C. 1681 ) ** : The FCRA mandates that consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. A charged-off account should not continue accruing a balance.

3. **Section 623 ( 15 U.S.C. 1681s-2 ) ** : This section requires furnishers of information to provide accurate information, and the failure to report the account as charged off only, instead of as continuing to accumulate a balance, is a clear violation. 

Moreover, my payment history across all bureaus shows inconsistencies, where the account appears to be in collections one month and then reported as an on-time payment the next. Such discrepancies cause further confusion regarding my creditworthiness, leading to potential harm in my ability to secure loans or credit.

Given the inaccurate and misleading nature of these reports, I request that the following actions be taken : 1. **Immediate deletion of the XXXX XXXX account from my credit report. ** 2. **A thorough investigation into this matter to ensure compliance with FCRA regulations. ** 3. **Compensation for the damages I have incurred due to these inaccurate and malicious violations of my rights under the FCRA XXXX ** I have attached supporting documentation to substantiate my claims, including copies of my credit report and any correspondence from XXXX XXXX. Please investigate this matter within the required 30 days and provide me with the results. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX