davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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. (FL)

This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 33 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, none of which apply to this situation. Remove immediately. There are several dates of inquiries on my credit reports, Instruct the credit bureaus to remove these inquiries immediately! 

XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX the XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX  XXXX Trans Union XX/XX/XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX Trans Union XX/XX/XXXX XXXX XXXX XXXX Trans Union 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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and XXXX. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-15
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. (OH)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-15
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. (NC)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
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. (TN)

My account with XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) 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 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.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-28
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. (OH)

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. 

I have repeatedly requested in writing that TransUnion remove Possible Finance from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX on TansUnion Account # XXXX on XXXX Additionally, according to 15 U.S.C. 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
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. (NJ)

I recently reviewed my consumer report and am deeply disappointed that TransUnion has not yet removed the accounts I have consistently disputed. As a victim of identity theft, I filed a comprehensive report on XX/XX/year>, addressing these issues. The accounts from XX/XX/XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX XX/XX/XXXX( Account # XXXX ) are unauthorized and result from identity theft. Despite my efforts and providing sufficient documentation, these accounts have not been removed from my consumer report. This constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) : ( XXXX ) Violation of Permissible Purpose ( 15 USC 1681b ( 2 ) ) ( 2 ) Violation of Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) ( 3 ) Violation of Civil Liability for Willful Noncompliance ( 15 USC 1681n ) ( 4 ) Violation of Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) ( 5 ) Violation of Other Relevant Provisions, Including Maximum Possible Accuracy ( 15 USC 1681e ( b ) ) I urge you to take immediate action to rectify this situation by removing the fraudulent accounts from my consumer report and ensuring compliance with federal law. I have been diligent in providing all the necessary documentation, including police reports, affidavits, and other supporting evidence, to prove that I am a victim of identity theft. It is disheartening and frustrating to see these unauthorized accounts remain on my report, negatively impacting my XXXX XXXX and financial standing. 

These accounts are not related to any transactions authorized by me, the consumer, as I did not give written instructions to your agency to report these, which is a violation of the permissible purpose section of the FCRA. This violation holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance.
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. (MD)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-15
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)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am in complete disbelief, there are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report. This is causing me tremendous anxiety.
Consumer complaint received 2024-07-15
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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-15
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 am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible
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)

This account was charged off on the following date : XX/XX/year> : Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should include an active payment history. This inaccurate information falsely manipulates the statute of limitations and investigate this account properply after I asked you to do it twice and your neglect violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number : XXXX.
Consumer complaint received 2024-07-15
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)

Hello, these inquires and accounts do not belong to me. I have filed an identity theft report and these should be deleted immediately. 

Inquiries : 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 XXXXXX/XX/XXXX Accounts That do not belong to me that need to be deleted that are identity theft. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (DE)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
Account Name : XXXX  XXXX ( Original Creditor : XXXX ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
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. (OH)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-15
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. (WI)

My account with XXXX XXXX XXXX XXXX. was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) 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 XXXXXXXX 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. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (TX)

I am filing this complaint against XXXX for failing to provide the method of verification regarding disputed accounts. In CFPB complaint XXXX, Equifax responded stating that the company verified that the disputed information was accurate as reported. However, under 15 U.S.C. 1681i ( 7 ), the Method of Verification requires that credit reporting agencies provide specific information on how they verified the accuracy of the disputed data. Equifaxs response was insufficient and did not include any valid evidence or thorough investigation into the accuracy of the reported information. The accounts in question are XXXX XXXX XXXX XXXX, OFFICE OF THE ATTY GEN XXXX, and XXXX XXXX XXXX. In XXXX v. XXXX, the court made clear that credit reporting agencies must do more than passively accept a creditors verification. They are required to take independent steps to investigate the validity of the information, rather than relying solely on the original source of the error. By failing to do so, Equifax is in violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-15
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. (CA)

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX I did not get permission to run those hard inquiries I demand those reports to come off my credit
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. (CA)

Im a victim of identity theft and have notified the credit bureau of the incident of the data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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