davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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)

This is my follow up complaint, 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 correct : XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$0.00} DEPTEDNELNET XXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXX Balance Owed : {$2500.00} DEPTEDXXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$140.00}
Consumer complaint received 2024-07-16
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-16
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. (GA)

On XX/XX/XXXX I sent certified mail to Transunion. I have yet to receive any response from this credit reporting agency. The letter I sent included a copy of my driver 's license, FTC Identity theft report, copy of my social security card, copies of bills with proof of address, and letter with items that should not be reporting on my credit report. Based on the identity theft report alone, these items should be deleted. The other reason that these items should be deleted is because TransUnion has exceeded the 30-45 day time frame that is their legal time frame to respond or delete what's in the letter. Please make sure that TransUnion deletes these items from my credit report. I also sent letters to XXXX, and XXXX and the investigation has not taken place. Please, remove the items listed in the letters to those organizations as well. Thank you.
Consumer complaint received 2024-07-17
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-16
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX. Account XXXX : XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Consumer complaint received 2024-07-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXX  Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] High Balance : {$15000.00} Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Canceled by credit grantor, Unpaid balance reported as a loss by the credit grantor Dispute Status : Account not disputed Credit Limit : {$14000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : Transunion : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : No detailed information provided, indicating potential discrepancies. 





Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 

I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 

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

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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 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 XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-07-16
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

I called the American Express XXXX XXXX XXXX XXXX in XXXX when I saw for the first time the annual fee charge of USD XXXX, which is high compared to the news and changes in XXXX membership ( skymiles ), and it is not giving me the same benefits as in the past. The agent re-directed my call to another client retention representative who told me he still couldn't change my annual fee, but it would be possible after a year of membership, and I should call in XXXX. 
On XX/XX/XXXX, I called the American Express XXXX XXXX XXXX XXXX again, and it was precisely the same re-direction of my call to a client retention representative who mentioned that there was an exact date when this year was going to be completed, XX/XX/XXXX and that I should call again then or after that date. 
I called later on XX/XX/XXXX and spoke in XXXX first with a representative who canceled my card and didn't redirect me to client retention. She didn't mention that by canceling the credit card, I should still pay the annual fee of USD XXXX for only XXXX MONTH of usage. 
I called the same call center in Spanish that same day, XX/XX/XXXX, to say that if they were not going to eliminate my annual fee for my credit card, there was no point for me to cancel the card and that I would keep it one more year. The representative, XXXX, mentioned that he couldn't reinstate it. Therefore I requested a XXXX. 
The XXXX, XXXX, mentioned that he couldn't reinstate the credit card either ( he didn't know why ) and would request the reinstatement to another area, which would take XXXX business days. 
Today, XX/XX/XXXX, I chatted with a representative ( XXXX ) at around XXXX am EST from American Express, and he mentioned he couldn't help me and that I had to call the service center over the phone. 
I called the service center today, XX/XX/XXXX, again at XXXX am EST and talked with another representative called XXXX, who mentioned utterly the opposite to all the other six representatives I have communicated with before ; he said there was no way to reduce the annual fee, and there was no way to reinstate the credit card since internal rules have changes in XX/XX/XXXX. They were not able to reinstate credit cards anymore. I have asked for an internal investigation of my calls in XXXX, the beginning of XXXX, and all the previous calls. XXXX mentioned there was already an investigation, and there was no fault of AMEX. 
I requested to talk with a supervisor, and XXXX mentioned he would look for XXXX, but after a long wait, he said there was no one he could contact and that they would call me again in XXXX hours. 
I have clarified that I do not want any reduced annual fee or anything ; I want to reinstate my AMEX XXXX XXXX credit card, which I have already paid for a year.
Consumer complaint received 2024-07-16
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. (AZ)

I spoke over the phone with a sales agent at a dealership and he ask me to verify my information ask me for my check steps then told me to reach out to his friend that works at another location and he sent my paper work to him never agreed on anyone running my credit because I was told by my lawyer not to do anything for 2 years and I started getting all these letters I have tried to reach out and that was no help and did not get any where I feel like this is the next step. please review the following list 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-16
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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. (CT)

Im ask that these hard inquiries on my credit report are removed off me accounts because these are not mine, nor is there any signed forms from me XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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)

Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. Documentation highlighting my responsible financial behavior and positive credit history. Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. I formally request an immediate and thorough investigation into this matter. Kindly help me remove the following items immediately : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-16
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. (FL)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-09
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. (CA)

I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost 30 days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX - XX/XX/2022
Consumer complaint received 2024-07-16
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 am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 

The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (OH)

This is in response to complaint XXXX Grain has finally updated my payment information however, late reporting is still showing. I was told in XXXX it would be updated XX/XX/1924, as that is around the time their systems send reporting. All late reports need to be removed. This has been an ongoing issue for XXXX year. They alleged I did not reply in XXXX / XXXX which is untrue. I can send a full thread of emails if necessary. Grain also lied and said they did not delete my prior checking acct information however, I sent them an email confirming their agent removed it. This has happened TWICE now. This company has gotten away with shady business practices for years. I am not the first to make this sort of complaint. The XXXX  is full of complaints with identical issues. They did not respond to the XXXX  in regards to my concerns with them or the Attorney General. I was told by someone in the XXXX that they are looking to other complaints of this nature as this could be an even bigger issue. I am hoping they are right. ALL late reporting needs to be updated ASAP. I need instracycle update. My credit was destroyed because of them and I have spent countless hours trying to resolve this. They have provided false information to the credit reporting agencies knowing they had system issues for YEARS.