davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute the reporting of XXXX XXXX account # XXXX on my credit report. As supported by recent legal interpretations and case law, the inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Due Process Clause of the U.S. Constitution.

As per the attached notice from TransUnion, federal courts have ruled that the use of consumer reports for the collection of delinquent child support, judgments, fines, and liens is no longer permissible under the FCRA. The Fair and Accurate Credit Transactions Act ( FACT Act ) specifically defines the word credit and stipulates that a collection of an account is only permissible when the collection is in connection with a credit transaction. The relevant case law, including decisions from XXXX XXXX XXXX v. Trans Union LLC and other similar cases, explicitly reject the practice of using consumer reports for non-credit transactions such as child support obligations. 

Furthermore, in XXXX XXXX XXXX, XXXX XXXX XXXX ( 2000 ), the Supreme Court underscored the protections afforded by the Due Process Clause, preventing the government from intruding on fundamental rights and liberty interests. The state may not interfere with the liberty interest that parents have in controlling the care and custody of their children unless it is necessary to protect the best interests of the child. This principle further supports the argument that reporting child support obligations on credit reports is unconstitutional, as it unduly burdens the parent without serving a legitimate credit-related purpose. 

Given these facts and the legal precedents, I request that XXXX, Transunion and XXXX immediately remove any and all references to child support obligations from my credit report. Reporting this information is not only legally unjustifiable but also violates my constitutional rights. If no response to this order is received within 14 days I will be forced to file a suit in Federal Court.

Please confirm in writing that this information has been removed and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
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. (SC)

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$3800.00}
Consumer complaint received 2024-07-08
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account name : XXXX XXXX XXXX Account number : XXXX Dated Account was opened : XX/XX/year>XXXX XXXX
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. (FL)

I was out of work from XX/XX/XXXX XXXX. I purchase XXXX XXXX from XXXX XXXX. I filed the claim from XXXX, XXXX. The claim was not paid to my account until XXXX, XXXX. XXXX XXXX through XXXX XXXX was supposed to make payments to the XXXX XXXX account XXXX XXXXXXXX as long as I was out of work. 

No negative credit reports were to be filed. But late payments were reported in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. (GA)

XXXX Account number : XXXX TransUnion : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( a XXXX 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.

a systematic error ol cessing my paymer s was clearly a billin company and is not ment experience wi le 1681eb. This ern racter This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-04-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX in violation of CFPB Consumer Laws and Regulations CFPB Deceptive Acts or Practices Definition : ( XXXX ) The representation, omission, act, or practice misleads or is likely to mislead the consumer. 
Loan Type : XXXX XXXX XXXX XXXX Claim No. 
Complaint : We received a loss draft insurance check in the amount of {$33000.00} from our XXXX XXXX for internal home water flood repairs that occurred on XX/XX/XXXX. Check was issued to both us, and PHH Mortgage Services and requires signatures from both parties. On XX/XX/XXXX, I spoke with XXXX, a PHH Mortgage Officer in regard to having the check endorsed and she informed me that any amount under $ XXXX would be endorsed & released in full by PHH. Per XXXX 's instructions, I forwarded the check to PHH Mortgage Services, Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX for endorsement. 
PHH received the check on XX/XX/XXXX, and refused to endorse and returned it unendorsed. On XX/XX/XXXX, I spoke with XXXX, also a PHH Mortgage Officer inquiring on XXXX endorsement refusal and she confirmed all loss drafts under $ XXXX would be endorsed a & released. Again, on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage Officer and she also confirmed that under $ XXXX statements were accurate. Finally on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage XXXX and he confirmed through XXXX XXXX XXXX monitored for quality assurance and training purposes, confirmed that the statements made by PHH Officers XXXX, XXXX, and XXXX were indeed made. Upon this confirmation by PHH Officer XXXX, I again forwarded the check to PHH for endorsement which they received on XX/XX/XXXX, and once again was denied and returned unendorsed. 
This act of verbally misleading us is considered a deceptive act and is in violation of federal and state laws and regulations, that have caused my family much XXXX XXXX XXXX XXXX XXXX. Here we are today XX/XX/XXXX, over XXXX months after the fact and after uncountable and numerous phone call conversations, written letters, and pleading with PHH officers on the urgency of our situation, we are still inconvenienced without completion of repairs. 
PHH Mortgage Services has a history of numerous unethical violations that have harmed consumers as this article exemplifies ; CFPB Takes Action Against PHH Corporation for Mortgage XXXX XXXX, dated XX/XX/XXXX. 
Summary As long-established homeowners of this property, our objective is to facilitate the long-delayed repairs, avoid any further PHH violations, have the necessary funds on hand to complete the repairs, get our family home back to normal, and upon completion grant PHH Mortgage Services access for final inspection and approval.
Consumer complaint received 2024-07-06
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. (TX)

For the past several weeks, I have been communicating with the following furnishers about unauthorized inquiries into my credit file : XXXX XXXX with Date of Inquiry of XX/XX/year> I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act. I now request that you open an investigation into this matter. 
Let me be clear on a matter of importance : I will not accept any documentation from your investigation that does not bear my signature authorizing the furnisher to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. 
In the absence of any such documentation bearing my signature, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, I will not accept generic responses from you requesting that I deal directly with the furnisher regarding these matters. This step has already been completed.
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. (NY)

Dear Sir/Madam, Subject : Unauthorized Credit Inquiry and Request for Wet Signature Copy I am writing to bring to your attention a matter of significant concern regarding an unauthorized credit inquiry on my credit report. 

On [ date of the inquiry ], an inquiry was made on my credit report without my authorization. According to the Social Security Administration and relevant guidelines, you are required to obtain Form SSA-89, which authorizes the release of my Social Security Number verification. I have not given consent for this inquiry, and I believe it may have been conducted without proper authorization. 

To resolve this issue, I am formally requesting the following : 1. Proof of Authorization : Please provide the original Form SSA-89 with the wet signature that I signed, authorizing this credit inquiry.

2. Investigation and Removal : Conduct a thorough investigation into this unauthorized inquiry and take the necessary steps to remove it from my credit report if it is found to be unauthorized.

3. Confirmation of Compliance : Provide confirmation that all procedures were followed correctly as per the Fair Credit Reporting Act ( FCRA ).

This situation is extremely serious and constitutes potential identity theft. I never signed the form in question, and I am deeply concerned about the unauthorized access to my credit information.

Please provide the requested documentation within 3 days of receipt of this letter. Failure to address this matter promptly will result in me escalating the issue, which may include filing a complaint with considering legal action for identity theft and unauthorized access to my credit information. 

Thank you for your prompt attention to this serious matter. I look forward to your immediate response and resolution.
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. (CA)

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 7 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 2024-07-06
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. (CA)

XXXX XXXXXXXX account Account has been reaged several times- evidence attached. 
Account is inaccurate and incomplete Also a charge off receiving an XXXX XXXXXXXX write off Also, in collections And account was also paid by the XXXX XXXX in the finance charge This is corporate FRAUD.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
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. (CA)

I had recently been lucky enough to have a friend put me as an authorized user on his XXXX XXXX, this XXXX XXXX has a {$18000.00} limit with a XXXX balance and was opened in XXXX, my credit score at the time was starting to go up it was about 678 and I was placed as a authorized user about a week after that. Once it went through and the credit bureaus picked it up and accounted for it, I believe they unfairly and for no reason that they could explain or anybody else for that matter, dropped my score 145 points instead of increased it. This card was triple my current credit limit, it was 10 times my credit age and it should have increase my score quite a bit but there's absolutely no other indication that anything else happened, no closed accounts or anything strange in a long time, and most definitely not on the day they factored in this severe drop, so I called the credit Bureau in question ( x2 ) and I asked them what's going on. The gentleman could not explain it, he could not find any reason for it and he even mentioned that it's probably just a malfunction within the system. My credit utilization has been at 3 % and I have been paying all of my bills and trying my darndest to save my family 's legacy with a auto repair shop that is struggling severely that was opened in XXXX by my grandfather. I have done everything I can to appease the bureaus but no matter what I do it seems to go back the other way and most of the time they can't explain it, what I'm asking for is to please look into my credit score as a whole because I feel like I have been unjustly prejudiced against from past grievances, As if a higher credit Limit and XXXX times the credit age is somehow a negative. I used the bureau 's simulator to see what I would have to do to get a score drop that's severe of XXXX points and I would have had to have claimed bankruptcy for it to even to get close and it still wouldn't be XXXX points. I believe it was supposed to go up XXXX points from getting that card not down XXXX. There's nothing else that happened that day nothing came in that was new as far as a closed account or any type of derogatory, I had multiple professionals check my report and I went over it with a fine tooth comb XXXX times myself to see what was going on and why this drop when it should have been going up, but it was only that card that was added which was supposed to be a huge positive for me, I was going to be able to apply for a XXXX loan and save my father 's company, Instead we're about to lose everything if this doesn't get fixed soon and I start getting treated fairly by these credit bureaus.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-07-06
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 XXXX ( Bank ) XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2024 XXXX. XXXX XXXX  ( Bank ) XX/XX/2024 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. (AZ)

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$850.00} 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 2024-07-07
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: EQUIFAX, INC. (TX)

I am writing to report unauthorized credit inquiries on my credit report that I do not recognize. I have previously requested the credit bureaus to remove these inquiries, but they fail to do so. I am now providing an identity theft report ( will be attached to this compliant ). I kindly request that these inquiries be removed from my credit report as soon as possible for these inquiries are not mine and are 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. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
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. (LA)

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.