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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of ID Theft. There are inquiries on my [ XXXXTransunion ] credit report that are fraudulent and do not belong to me. I've already filed an FTC report. Please remove the following unauthorized hard inquiries from my credit report : 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 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had my vehicle loan on auto pay for several years with XXXX XXXX XXXX. I would get an email every month for the bill and the last email was XX/XX/XXXX. I never both opening the emails as I know it was on auto pay. Then XX/XX/XXXX I received an email. I thought it was odd since it should've now been paid off - the entire loan. So I called them and they said auto pay doesn't work when the amount is not the same, yet in the emails ( XXXX, XXXX and XXXX 's emails ) it didn't say they could not debit/charge me for the last payment. I promptly made the last payment of {$250.00} the same day XX/XX/year>. I have credit monitoring alerts on due to several companies being breached and was alerted of a negative alert that brought my score down like XXXX points! I called XXXX immediately, and they said they never reported it and to call TransUnion. I called them and they said they only get this information from XXXX and that they don't place this type of information on their own, which of course made sense but I was following the directions of the XXXX representative. Now I have a negative event on my impeccable credit report due to lack of clarity in emails and process for autopay. They never called me or emailed me saying I was late nor are they helping me to remove this negative event considering I paid as soon as the next email came in. There was also no email in XXXX. If I was so delinquent, why wouldn't they email every month or even every week.
Consumer complaint received 2019-01-31
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. (TX)

On XX/XX/XXXX I sent a letter via certified mail requesting Experian to look into accounts that where reporting inaccurately on my credit report. On XX/XX/XXXX I received a response letter stating these accounts were updated. 
Using their credit report that was sent to me by Experian, I went through each account that was reporting incorrectly. 

I asked Experian to please investigate the accounts listed in the dispute. They only looked at one which is listed below : XXXX/XXXX XXXX - was not late on the date showed on report However Experian didnt even do an investigation. The only thing that was done was update the comments of the date it was last updated. This is not an investigation. Experian is completely disregarding the law. 

Experian also completely ignored my request to investigate the following with my initial request of their method of investigation proving the accounts below belong on my credit report in its current state : XXXX/XXXX - was not late on the date showed on report XXXX XXXX/XXXX - not reporting pay history showing that I was never late 6 different XXXX XXXX XXXX accounts - was not late on the date showed on report XXXX/XXXX - was not late on the date showed on report XXXX XXXX - was not late on the date showed on report XXXX  XXXX/XXXX XXXX  - was not late on the date showed on report XXXX XXXX XXXX - was not late on the date showed on report I have tried reaching out to Experian for an investigation. A reinvestigation, and the method of their investigation to prove they are investigating. It has been over 60 days and Experian is choosing to violate my rights and ignoring their requirements by the FCRA. 

Experian can not report information that is incorrect on my profile. As of now, I am doing everything I can before seeking out legal aid. I hope this could help me. 

Thank you!
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. (AR)

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 informationisinaccurate.
Consumer complaint received 2019-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I XXXX XXXX was in the market of buying a new car. I was told one thing during the time of purchasing the car and after signing of papers and driving off with the car. Going to the bank to have the car refinanced. I was told that the deal that the car dealership gave me was not what I was told. The interest rate is very high to the point that I can't get anyone to help me refinance my car loan. The value of the car is depreciating faster than making the payments and I was told that the trade in was go toward down payment on my new car. But they got my new car and then added a loan onto my car payments for the old car as well as paying for the new one. This is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. DealerXXXX. It was also financed through a company called XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ... .with a 18 percent Annual Percentage rate, Finance charge XXXX, Finance Amount XXXX total of payments XXXX on a XXXX car ... please help me or call me about this matter. XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-06
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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. (FL)

To Whom It May Concern : The following list of accounts has infringed upon my federally protected consumer rights to privacy and confidentiality, as stated in accordance with 15 USC 1681. These accountsXXXX 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 Court : U.S. Bankruptcy Court. XXXX and XXXX have no information of this bankruptcy with your company have violated my rights. On XX/XX/XXXX, I reviewed my XXXX credit report and discovered various instances of incomplete and inaccurate information. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is obligated to employ appropriate measures in ensuring the highest possible level of accuracy regarding the individual in question, as outlined within 15 USC 1681 ( e ) ( b ). Accordance with 15 USC 1681 ( 5 ), the treatment of inaccurate or unverifiable information is encompassed as follows : ( A ) Following any reinvestigation under paragraph ( 1 ) pertaining to any information disputed by a consumer, should it be determined that an item of information is inaccurate, incomplete, or can not be verified, the consumer reporting agency shall take prompt action, either by deleting said information from the consumer 's file or modifying it as deemed appropriate based on the outcome of the reinvestigation. In addition, the consumer reporting agency shall notify the furnisher of said information in a timely manner, informing them of any modifications or deletions made from the consumer 's file. Furthermore, in accordance with 15 USC 1681s-2, it is the responsibility of the consumer reporting agency to stop from furnishing any information related to a consumer to any consumer reporting agency if the person possesses knowledge or reasonable cause to believe that said information is inaccurate. '' XXXX XXXX
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. (LA)

XXXX with a balance of XXXX charge off XX/XX/2024 sold to a collection agency called : XXXX XXXX. XXXX XXXX sends me numerous emails on this account which is proof that it was sold. XXXX is not reporting this account sold it just says closed. I have the communication from XXXX XXXX attached and also a copy of my credit report showing that they are not correctly reporting this ghost collection agency. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15USC1692c-If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt,. Not only have they not reported that they sold the debt to XXXX, they are constant communication with me.
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. (MO)

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 informationisinaccurate.
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. (GA)

XXXX XXXX XXXX XXXX  ; Account numberXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Disputing errors on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on my XXXX, XXXX, & TransUnion XXXX report : XXXX. ) Credit report information to identify account status : INCORRECT - XXXX XXXX  ; acct # XXXX XXXX. ) Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the executive orders of the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX, my travel visit to the island of XXXX turned into temporary residency due to closed borders of international travel in XXXX of XXXX. My earning-ability was drastically changed. Many efforts to make payments were rerouted as " XXXX '' due to my IP Address being beyond domestic range. 
Representatives from XXXX XXXX were not understanding with my responsibility to maintain XXXX  payments. This lack of completing transactions resulted in the reporting of payments late, subsequently charged off ; then repossessed after deferment contingencies were not available. 
- The report shows proof your company that have already been repaid. 
- I have processed the proper tax forms to reflect these matters, as well as the measurements taken by XXXX XXXX to validate accuracy of this information. 
- Since having this automobile refinance after a previous loan was assumed through XXXX XXXX, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. This includes having XXXX  hard pulls on my credit profile, which the XXXX XXXX, AND Their XXXX  Departments contend that XXXX  impacts my credit report. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
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. (GA)

I am a victim of identity theft. The information, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
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. (AR)

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 informationisinaccurate.
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. (IL)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under, 15 U.S Code 1681b-Permissible purposes of consumer report as ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS Of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.NO CONSENT IS IDENITY THEFT. As a consumer I am demanding the deletion of the account ( XXXX ) listed IMMEDIATELY! 

Account name : XXXX XXXXXXXX, Account # XXXX, Account Name XXXX XXXX XXXXXXXX, Account # XXXX, Account Name XXXX XXXX XXXX, Account # XXXX and Account Name : XXXX / XXXX, Account # 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. (MD)

I am writing in response to their recent decision made on XX/XX/year> to deny my request for the removal of the " charge-off '' status and other negative remarks from my account which I requested on XX/XX/year>. I strongly disagree with their decision and am formally demanding a redetermination based on several legal grounds. 

Firstly, under 15 U.S. Code 1692g - Validation of debts, only the original creditor has the authority to validate debts. As the original creditor, I assert that I do not validate these debts or accounts. Their attempt to present themselves as the original creditor is misleading. My signature and Social Security Number on the application signify that I am the one who granted value, thus making me the original creditor. Therefore, any claim of debt by their company is invalid and must be removed from my account records. 

Additionally, I wish to highlight that their company is in violation of 15 U.S. Code 1601, which outlines the necessity for transparency and fairness in credit transactions. Their failure to comply with these regulations is unacceptable. Moreover, under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance, their company 's actions have caused significant harm to my credit standing.
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. (MO)

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 informationisinaccurate.
Consumer complaint received 2023-02-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXXction 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT and UPDATE all information which can not be verified. 
XXXX XXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XXXX XXXX XXXX  Balance : {$0.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Began mailing in certified USPS letters to Transunion, XXXX and XXXX requesting the 30 day investigation on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I have sent six dispute requests in to each of these companies with no follow-up. In fact, they aren't providing me with a human experience or investigation, they keep sending me a postcard even though I sent them my ID and a utility bill which is what is asked in order to open up a dispute. When I call in, I can never get a human on the phone to discuss my disputes. I am filing a grievance over the fact that these companies are mishandling my consumer report and violating my rights to the Fair Credit Act.