davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
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 : Acct. # XXXX XXXX XXXXXXXX : Acct. # XXXX 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 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 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 theperson knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-07
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Trans Union is sending mail to the wrong address that has been closed since XX/XX/XXXX. Why they are doing this when they have my correct address clearly on file, is beyond me. I never authorized them to send mail to any invalid address. When the forwarding is expired the mail will be returned right back to them. So they can either fix it or keep sending it to the wrong address. Should they keep that up their excuses will not be accepted. See all attached especially the address listed from my report recently run on XX/XX/XXXX.
Consumer complaint received 2024-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (CA)

They sent a letter, making a demand, however, did not specify any details about why they were making this demand, threatened my credit, and included a letter with lots of links that I can select but since I do not trust them, I can go no further incorrect in this issue. 

They claim I owe tolls for driving in Texas. However, I do not own a car, and I never been in Texas. 
XXXX XXXX XXXX, XXXX ACCT # XXXX
Consumer complaint received 2024-07-07
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated 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
Consumer complaint received 2024-07-07
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. (IN)

On XXXX XXXX, I reviewed my credit report and noticed that I had a late payment on an account that I was never late for listed below. 
XXXX XXXX XXXX XXXX. 
I have sent Transunion numerous documents stating that an account was settled in full listed above should have been removed. 
XXXX XXXX XXXX XXXX. 
XXXX- XXXX. 
These list of accounts have violated my Federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 602 states a consumer reporting agency can not furnish an account without my written instructions. A consumer reporting agency have assumed the vital role of having the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late with XXXX XXXX XXXX. I asked Transunion to provide me proof with statements showing these late payments were late. I have not been provided with proof during and after the investigation process. Without proof by the FCRA law, the disputed accounts SHALL be removed immediately.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

My navy federal account was hacked and fraudulent loans was opened in my name without my consent and my credit and phone was stolen. someone hacked into my account and fraudulent open loans without my permission and I had {$7000.00} cash was also stolen and I file a dispute about the incident and the claim was denied. This is a very serious matter I have been with navy federal for 5 years and never been treated this way. Now a representative told me my account was being closed down. This company is a scam XXXX for all the years and respect I had with them. I was also planing to purchase my first home with them now I have to look else where.
Consumer complaint received 2024-07-07
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. (MD)

I am writing to dispute several hard inquiries that appear on my Transunion credit report. 
XXXX. XXXX XXXX SERVICES ( Bank ) XX/XX/year> XXXX. XXXX XXXX SERVICES ( Bank ) XX/XX/year> These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act :
Consumer complaint received 2024-07-07
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)

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX  acct # XXXX, XXXXXXXX XXXX XXXXXXXX acct # XXXX, and XXXX  XXXX XXXX acct XXXX XXXX. have violated 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance.

I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to 1k per month per illegal reporting.
Consumer complaint received 2024-07-07
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. (AZ)

Account info : Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$450.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-06
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)

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 2024-07-07
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. Over 60 days later I have not received any response yet. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report so they should be removed already since it's been well over 60 days. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-07
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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
Consumer complaint received 2023-04-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2023. I disputed fraudulent inquiries I found on my credit reports. As of today XX/XX/2023, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA. I have attached the letters all XXXX bureaus have received.
Consumer complaint received 2024-07-07
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. (DC)

In accordancewith the Fair Credit Reporting Act ; the list of accounts below has violated myfederally protected consumerrights to privacy and confidentiality under 15 USC 1681.

Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX 15 U.S.C 1681 Section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : States that a 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. 

15 U.S.C 1681c. ( A ) ( 5 ) : States that consumer reporting agencies can not include adverse items of information ( other than records of convictions of crimes ) that are more than seven years old.

15 U.S.C 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-07-07
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated 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
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-07
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 )
Consumer complaint received 2024-07-07
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)

As you can see the furnished is hurting my profile with late payments and negative items but doesnt show monthly payment doesnt show high balance or even term which is a violation of the FCRA. Its listed as a debt but a debt can only come from a loan or liability and I have neither to this credit group of child support enforcement its obvious this company is a for profit group in which I have no contract or paperwork connecting them with me. They have no payment status and no data listed for the month of XXXX up until now, at this point the lack of following the FDCPA practice and Transunion following the FCRA shows a complete disregard for its consumer and I demand the item be removed for clear violation of the FCRA XXXX is showing late payments for XXXX and its hurting my score tremendously but I have a letter from XXXX stating they removed the account please update immediately.
Consumer complaint received 2024-07-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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.
Consumer complaint received 2024-07-07
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)

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear Sir/Madam, I am writing to formally dispute and request the correction of inaccurate information on my credit report maintained by your agency. The following late payment entries are being reported inaccurately : - XX/XX/XXXX : 30 days late payment - XX/XX/XXXX : 60 days late payment - XX/XX/XXXX : 60 days late payment - XX/XX/XXXX : 60 days late payment These entries are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection statutes, including : - 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate/invalidated Credit Information - 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy - 15 U.S. Code 1666b - Billing Error Resolution under the Truth in Lending Act Under the FCRA, I have the right to dispute inaccurate information and request that it be promptly corrected or removed from my credit report. The entries listed above are not reflective of my payment history with the respective creditor ( s ) and are therefore misleading to potential lenders and detrimental to my creditworthiness.

Enclosed with this letter are copies of relevant documents supporting my claim, I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by law. 

Please provide me with a written response confirming the receipt of this dispute letter and detailing the actions you will take to resolve this matter. If necessary, I am prepared to seek legal counsel to ensure my rights under the FCRA and other applicable laws are upheld. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-07
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)

As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXX of receiving the FTC XXXX I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages.
Consumer complaint received 2024-07-07
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)

I took out some loans with XXXX XXXX in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, on street corners, shelters, public restrooms, places and abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME.