davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit agencies, collection companies, all expected to supply accurate information in a timely fashion. there should be no reason why information taking longer than 30 days should be acceptable. Legally 30 days is the legal timeframe. there simply needs to be an agency that actually holds these companies accountable. the following cases should be removed from my credit report. ( XXXX XXXX XXXX XXXX  / Act. # XXXX ) and following CFPB Disputes : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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 information is inaccurate.
Consumer complaint received 2024-06-23
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)

I recently a reviewed in my credit report I noticed on my account that was not reporting actually I had late payments one an account that I was in fact paid on time the consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payment I leave attached a copy of my report to this complaint on the following dates I'm now requiring investigation to providing viability proof with records showing that I had late payments if this information can not be verified I demand this payment be updated to paid on time immediately thank you for your understanding and promote action
Consumer complaint received 2024-06-23
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. (ME)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX / XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX  XXXX Original Creditor : XXXX  ) : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-06-23
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 under 15 USC 1681. 1XXXX # XXXX, has violated my rights. I looked at my credit report on XX/XX/24 and noticed some things are incomplete and not accurate. According to the fair act 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 according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2023-09-19
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (GA)

I reported unauthorized transactions on my debit card beginning XXXX XXXX for {$150.00} to XXXX XXXX XXXX. There were several charges from XXXX and XXXX, a XXXX XXXXXXXX card payment actually a few of them. The only card I have is my direct express for my XXXX benefits,73 charges from XXXX taken out of my account. A total of {$2000.00} was taken over a 6 month period of time while I was in XXXX. Direct Express said they would go back to XXXX and replace that but no further but that's not what they said the second letter I received from them. They said the charges in question they determined were not unauthorized, therefore no error occurred.
Consumer complaint received 2024-06-23
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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX FCU : ACCT # XXXX TXXXX  : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXXXXXX XXXX XXXXXXXX : ACCT # 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 the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TransUnion and XXXX are reporting myXX/XX/XXXX XXXX account that was opened XX/XX/year> as NEGATIVE, CHARGE OFF. This account is POSITIVE, CLOSED, PAID AS AGREED. XX/XX/XXXXXXXX has reached out to me and the bureaus to remove the negative charge off but all XXXX continue to report negatively. XX/XX/XXXXXXXX XXXX has sent documentation to all bureaus. XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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. (VA)

Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX and credit XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX bought an old dabt then filed suit. 

XXXX lost the suite and was ordered to remove this collection and have not done anything. 

I filed a online dispute on XX/XX/year> and I was told it would be fixed or removed and it is still just sitting on my report. 

I demand that it be removed immediately.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

This is in according to a dispute with TD XXXX XXXX XXXX  case amount is XXXX merchant name is XXXX XXXX of the XXXX XXXX transition date is XXXX XXXX XXXX I ordered two tickets for the package above and only received one ticket Thats why I filed the claim I was told that time that the review process they had up to pass the date of the concert in that time I told that I was not going to use the ticket if I hadnt received an answer to the college came and went and they reviewed the case and paid me for half of the amount because I received one good ticket by then the ticket was no good so I had to file a dispute again its the same case number XXXX XXXX  XXXX XXXX and I explain to him that theres no way I couldve known or sold the ticket I bought two tickets because I was going with a date In the pursuing months I called the number and was put on hold XX/XX/XXXX times for over two hours then disconnected I probably spent 12 to 14 hours Im hold With them they made it impossible to deal with them I was told in the third letter that youve been forwarded that they ruled in favor but nothing was put into my account Im locked out of my online account and Im working on printing out my credit card statements up till now when this began in XXXX and Add a friend ordered two tickets to the same show and only receive one but he was with XXXX XXXX and they covered it and refunded his money in two days the way XXXX  Treated me there was no way I could succeed the last conversation I had said they would get back to me on why the last payment wasnt put in I still havent heard from him
Consumer complaint received 2024-06-23
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. (MD)

I asked each credit bureau for proof that the United States XXXX or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus. 

The credit bureaus violated FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( XXXX ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2024-06-23
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. (VA)

I asked each credit bureau for proof that the United States XXXX or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus. 

The credit bureaus violated FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( XXXX ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2024-06-23
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)

My investigation has been going on since XX/XX/year>. I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with records of who you spoke with, their business address, name and phone number. As well as documentation that proves that this account was late, if you can not provide me with this information in XXXX days update the account to XXXX XXXX and send me a copy of my updated report.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-23
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. (IN)

I just reviewed my credit and found a lot of inquiries I did. not unauthorized. 

the inquiries are the following. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

They are reporting XXXX accounts that does not belong to me. XXXX XXXX XXXX account number XXXX and Credit Collection Services account number XXXX. I have never done business with either of these companies. They do not have permissible purpose or any type of court order to be reporting anything on my credit report. That is against the law. they are also reporting a past due balance on a collection account which is inaccurate. How can a collection have a past do balance? After numerous failed attempts to get them to send me the documents they use to verify these accounts. It's been way past XXXX days. I have no choice but to seek further legal action. I know I have never signed any agreement or contract with either of these companies nor have i done any type of business with them. They are violating numerous laws of my consumer rights by reporting these accounts and something must be done because this is affecting my life and the way I live. This is preventing me from having a place to live and provide for my family.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

recently I did an investigation on my credit report and found several items on there to be inaccurate. 
under 15 U.S Code1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report immediately. 
( 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 XXXXXXXX XXXX
Consumer complaint received 2024-06-24
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)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would really like this account immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account XXXX XXXX In accordance with The Fair Credit Reporting Act, Public la 91-506, Title VI, Section 611, please provide the names and business address of each individual with whom you verified above follow up. Please send me a copy of my credit report after your reinvestigation. Thank you.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint against Experian due to their continuous failure to respond to credit report disputes that I have submitted. Despite my repeated attempts to address inaccuracies on my credit report, I have not received any response from Experian to date. 

I have submitted disputes to Experian on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. 

It is my understanding that, according to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and respond to disputes submitted by consumers within 30 days of receiving the dispute. Experian 's failure to adhere to this statutory requirement is a clear violation of the FCRA and infringes upon my consumer rights.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my 15th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}