davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I Do Not Recognize the following inquiries as listed : XXXX ( Bank XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX please remove from my credit report immediately. Thank you.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-30
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally disputing the debt associated with the following account and requesting its immediate deletion from my credit report due to serious violations of Metro 2 compliance standards, the Fair Debt Collection Practices Act ( FDCPA ), and federal consumer privacy laws : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Bank Balance : {$38000.00} Past Due : {$38000.00} Account Type : Debt Buyer Date Opened : XX/XX/year> Status Updated : XX/XX/year> I sent your company a debt validation letter 30 days ago. I then had a copy of my credit report pulled and noticed that your company did not mark my validation request as being in dispute. From my understanding, this is a violation of FDCP and it carries a fine of {$1000.00} per violation. Let me remind you that this is a statutory violation and it does not require me to prove damages. I can just simply hire a consumer rights attorney to bring a suit for your violation.

Im willing to settle this matter in the following way : ( 1 ). You agree to remove the inaccurate account from my credit report.

( 2 ). You agree to delete the account within five days.

( 3 ). You also agree not to sell or try to collect this debt in the future.

( 4 ) .You also agree not to report any portion of this debt to the credit bureaus.

( 5 ) .You agree to pay me {$500.00} for violating the FDCPA.

in your last letter to me you stated that the item had already been verified as accurate. Well, which part of the listing is accurate? You never told me that. I did some case law research and found two cases that stated that credit reporting agencies can not merely parrot information from creditors and collectors, but they have to conduct an independent investigation to ensure the validity of the debt. Im providing your company new and relevant information. Please act according to the law and investigate this matter.

If you agree to the above terms, please sign and date and mail me the check and a deletion letter to the address listed above. If you choose to ignore this letter, I will be exploring all legal options on this matter.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XXXX XXXX  XXXX j : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX & XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department, Subject : Dispute of Fraudulent Account and Past Due Payment My name is XXXX XXXX, and I am writing to dispute a recent matter concerning a past due payment of {$1000.00} associated with a XXXX XXXX  account. I have received multiple letters regarding this debt, but I have no recollection of ever opening a bank account with XXXX XXXX. 

As a minor, I have never personally opened a bank account, and I believe this account was created fraudulently as part of identity theft. I am approaching the age of XXXX and would like to resolve this issue promptly. I have filed a report with identitytheft.gov and am in the process of submitting another report with the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX  investigate this issue and take the necessary steps to close the fraudulent account and remove any associated debt. I should not be held responsible for a debt resulting from actions I did not authorize. 

Please confirm once this matter has been resolved. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-07
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)

My accounts was never late! I have had exceptional payment history with XXXX  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 to be removed/updated.

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.

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!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was completely taken aback when I saw inaccurate accounts on my credit report today. I check it regularly, and nothing like this has ever happened before. At first, I thought it was a browser glitch, but refreshing the page didnt fix anything. The errors are still there. Because of this, Im requesting a thorough review of the documents Ive submitted, so I dont have to worry about this happening again.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent an
d willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (AL)

XX/XX/2022 {$2.00} charge ( I DID NOT MAKE ) on inactive Discover card. 
Did not receive a bill. Did not receive an email or alert. Did not receive anything from Discover. Paid 2 months late- did not initially dispute since it was a small amount.

Credit score is now down over 100 points for missed payments on a Fraudulent {$2.00} charge. The only missed payments in my entire credit history. 
I contacted Discover. I received a written correspondence that there was nothing they would do. I contacted XXXX and XXXX refunded the fraudulent charge. I contacted Discover again to see if there was any way they could update my credit report. They said NO. I believe that my credit score should not be impacted by this fraudulent charge. The Discover agent told me to contact you. 

I do not believe that this incident at all reflects my true credit history.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

* Experian continues to report an item on my credit report and has not provided any information regarding the validity of the item after several requests. The party they have listed will not communicate with me regarding the information being reported and both XXXX  and XXXX  have stopped reporting as a result. 

* On XX/XX/XXXX, Experian was mailed ( certified ) five disputes related to information being reported on my credit report, showing the inaccuracies and demanding the information be updated or removed from my report. 

* After not having received any confirmation via the Experian app and having confirmation from the USPS the disputes were received on XX/XX/XXXX, I contacted Experian again via phone to request the status of the receipt of the disputes. 

* I spoke with XXXX, who's supervisor is XXXX with the dispute team 'XXXX  ' who advised the only thing received by Experian was one ( 1 ) letter on XX/XX/XXXX for one of the items that has since been removed. He also stated that he can not provide me with any information that is located in my file and I have to reach out to the company reporting the information, 'XXXX XXXX XXXX ', who also will not provide me information because IT IS NOT MY ACCOUNT. Experian has advised they have no duty to provide me any information to validate what the information is or how it is reported, the party reporting would not provide details as the debt is not mine. 

* This is the 3rd time I've attempted to get information and Experian has never provided me with a response to any investigation, they just seem to have automatically update the comments ( as clearly visible in the attached screenshot submitted in my dispute letter ) without showing me how they verified any information and I haven't received anything from the party reporting the information either. 

* Experian will not accept the information I have mailed them, they will not investigate the information I have mailed them and they will not update the inaccurate information I have mailed them, even though the other bureaus PROMPTLY removed it. They will not provide me any information regarding the account reported on my report * I have the tracking numbers as confirmation that all five ( 5 ) of the disputes were mailed to, delivered, and received by Experian on XX/XX/XXXX ( attached ). 

This is being reported today and I will report back when the 30 days have expired as there is no way they can complete an investigation in 30 days because they keep attempting to use the 'we never received your dispute ' stall. I will report again after that if this information is NOT REMOVED from report before XX/XX/XXXX.
Consumer complaint received 2024-10-07
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)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.