davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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 have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file.Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the bank associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 

Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 

XXXX XXXXXXXX
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. (PA)

Subject : Dispute of Inaccurate Collection Account Reporting Different Dates of Last Activity Dear Sir/Madam, I am writing to dispute the accuracy of a collection account on my credit report that is being reported with conflicting dates of last activity. The collection account in question is with XXXX and is currently listed with XXXX major credit bureaus XXXX, XXXX, and TransUnion. 

The inaccurate dates of last activity being reported are as follows : - XXXX - XXXX - XXXX : XX/XX/2023 These conflicting dates are causing discrepancies on my credit report and are negatively impacting my credit score. I have attached copies of my credit reports from all three credit bureaus highlighting the discrepancies for your reference. 

I am requesting a thorough investigation into this matter to determine the correct date of last activity for the XXXX collection account Account number XXXX. If it is found that the dates being reported are indeed inaccurate, I kindly request that the information be corrected or deleted from my credit reports. 

I understand that under the Fair Credit Reporting Act, credit bureaus are required to investigate disputes within 30 days of receiving a request. I would appreciate it if you could expedite this investigation process and provide me with an update on the resolution as soon as possible. 

Thank you for your attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you require any further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (TX)

I have filed many letters to Experian, XXXX and XXXX about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a house.
Consumer complaint received 2024-07-08
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. (AL)

n 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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  ACCT # XXXX, XXXX XXXX : # XXXX, XXXX : ACT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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. 

ALSO I NOTICED UNAUTHORIZED Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2024-07-08
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2024-07-08
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. (NY)

I am writing to express my frustration with the dispute process regarding item on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The item in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Multiple letters have been sent to the credit bureau regarding inaccurate information reported on my credit. Due to their lack of response, my score has been negatively impacted. I have requested for the information to be validated and it has not been.
Consumer complaint received 2024-07-08
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)

I demand that the XXXX XXXX inquiry be deleted from my credit report as the information is still being incorrectly reported on my credit report. It needs to be removed immediately from my credit report. It has been reporting on my consumer report since XX/XX/year> even though no consumer credit transaction has taken place. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information for my life. The items I need deleted are listed in this report. I am identity victim of identity theft and did not make the charge. I ask that the items to correct my credit report .I reported the theft of my identity to the Federal Trade Commission XXXX and I also have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. Please please delered all the incorrect information.
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. (PA)

I am writing to formally dispute the reporting of XXXX XXXX XXXX # 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 XXXX XXXX. 

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 Troxel v. Granville, 530 U.S. 57 ( 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 is receieved within 14 days I will be forced to file a complaint in XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. Current no account number but a zero balance 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 an 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 2024-07-06
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. (GA)

I am writing to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect consumers ' rights.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

I have a Wells Fargo Home XXXX credit card through XXXX XXXX XXXX XXXX. My project total cost was {$1500.00}. The terms and conditions require that I pay this amount in full within XXXX year or forfeit the no interest agreement. My year end will be on XX/XX/XXXX. My terms and conditions require that I make a minimum payment each month. I had been paying more than the minimum payment. I made XXXX payments in the month of XXXX, XXXX. XXXX payment was for the XXXX amount due on XX/XX/XXXX. I also made a payment on XX/XX/XXXX for the month of XXXX. I pay my bills according to the bank deposit of my pension account. My pension is deposited on XXXX of the last XXXX or XXXX days of each month. Wells Fargo penalized my account with a late payment of {$41.00} because I did not pay the minimum payment in the month of XXXX. I have other credit cards and they do not penalize me for paying in the previous month. Most lenders are happy that I pay my bills. Wells Fargo continued to assess a late fee in the months of XXXX, XXXX, XXXX, and XX/XX/XXXX. I contacted the company and was advised by XXXX different individuals that I must pay the minimum payment between the dates of the XXXX and XXXX of the month. I reviewed my agreement from XXXX, XXXX. There is absolutely no mention of paying specifically in this time frame. The XXXX individuals with whom I spoke were very rude and condescending. They advised me that all lenders operate in this manner. I think this is a deliberate scheme to take advantage of XXXX XXXX
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. (NJ)

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 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

It has come to my attention that both XXXX XXXX and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law.

Pursuan

t to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments and account balance SHOULD NOT appear on my consumer report. Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficie
ncy of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both XXXX and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by XXXX, the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 

I have contacted both XXXX  and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, XXXX, Equifax, XXXX XXXX, XXXX, XXXX, and 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. (NY)

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 2024-07-08
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. (MD)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 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 2024-07-08
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine by silence XXXX XXXX XXXX ( no ) XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefor any such debt, in fact therefore exist. 

XXXX is not my account and I demand removal due to FCRA 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. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-07-07
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. (TX)

I discovered 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 these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correctXXXX XXXX XXXX XXXXXXXX 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. (UNITED STATES MINOR OUTLYING ISLANDS)

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 consent.