davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today, I found unauthorized inquiries on my credit report without any explanation. I checked it like I always do, but this time there were unexpected issues. I even tried refreshing my browser to see if it was a technical glitch, but nothing changed. I urgently request that my documents be carefully reviewed so this situation is resolved immediately. I'm beyond frustrated with this.
Consumer complaint received 2024-10-03
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. (OH)

Child support is reporting this account this inaccurate accounts on my consumer reports. I do not owe a balance, this inaccurate account has caused my credit score to drop over 100 points which has hurt my ability to obtain credit. 

Ohio Dept of Human Services
Consumer complaint received 2024-10-03
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)

The dispute has been open for several months, and despite providing all necessary proof, including an identity theft report and, they still haven't removed the account. I am now requesting the full removal of this account from their system and all three of my credit bureaus. I had no other option but to submit a CFPB report
Consumer complaint received 2024-10-03
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)

To whom it may concern : The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations.We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SEE ATTACHED PDF
Consumer complaint received 2024-10-03
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''
Consumer complaint received 2024-10-03
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. (NY)

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 2024-10-03
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)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( 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.

15 U.S. Code 1681i ( 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Balance {$7400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Balance {$3300.00} Date opened XX/XX/XXXX Account name XXXX Account number XXXX {$2300.00} Date opened XX/XX/XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Balance {$1100.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$9600.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$76000.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$9900.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2024-11-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NPG Associates, Inc. (CA)

NPG Associates at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX with local number with area codes using XXXX and XXXX. 
On XXXX XXXX XXXXXXXX  I rec 'd a call from an unknown phone number. They call, misrepresenting themselves. I called them back. I was yelled at and harassed on a recorded line. As well as hung up on when I asked for their company name and address. Very, very rude! I already reported them to the XXXX XXXX XXXX  XXXX XXXX stated he was the Director of the company. However I was then told someone else was. So he lied in order to do a scare tactic. They are a collection debt Co that misrepresented themselves with a voicemail stating " there is a change to your status '' and then they will give you a reference number. I explained that the attorney I hired, made back door negotiations with the opposing counsel without my consent and was also told by the attorney " I did not owe any more funds and I was square '' with my bill. After he rec 'd {$5000.00} for the respondent, which was court ordered. So actually, the Co should be going after the Resondent, since the Judge ordered him to pay for my legal fees. When I tried to explain to XXXX XXXX, I had XXXX witnesses who wrote affidavits along with a recording of the conversation ( which I permitted, since it was in a public setting. ) XXXX XXXX got more hostel with me and started to harass me! I hung up on him when he got hostile with me. I've already been verbally and emotionally abused  for XXXX  years! I was not going to let this man I've never met verbally abuse  me over the phone. However I had to call back to ask for their address. The operator was nice at first, but unknowns to me, transferred me over to XXXX XXXX. As soon as he heard my voice he started yelling at me and saying " are we going to go through this again? Have your attorney call us! '' Then hung up on me .He states he's been doing this for XXXX  years. Basically stating to me, " I don't have a leg to stand on. " And stated " that even though I had affidavits, my affidavits were bupkes. '' A Yiddish word meaning " that they meant nothing '' This company is very rude, hostile, yell and harassed me. He then added, because our conversation was on a recorded line, that was all he needed. If he tries to cut my recording up to fit his narrative, that is against the law! 

They also give themselves good reviews. As the first time I went on to give a review their review score was a XXXX. However when I went to edit my review minutes later, it was at a XXXX.
Consumer complaint received 2024-10-04
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. (NM)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX 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 2024-10-04
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. (NM)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 


XXXX - XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My credit was illegally pulled from multiple banks and financial companies without my knowledge or consent on XX/XX/year> over 7 times and other dates as well. I filed disputes through all 3 credit bureaus ( XXXX, Trans Union and XXXX ) with supported evidence attached by file to each one. No actions have been taken by any of the 3 credit bureaus and still waiting for response or positive reflection on my credit from these inquiries. Please truly help and will be looking out for a response.
Consumer complaint received 2024-10-04
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. (TX)

I just recently reviewed my credit report on XX/XX/XXXX, and noticed some late payments for ( Acct # XXXX XXXX XXXX ) that were supposed to be on-time during the Pandemic. However, the creditor and I spoke and agreed that I was eligible for a loan modification, and we began to execute the modification in XX/XX/XXXX. After working tirelessly through multiple disputes to Transunion and phone calls to rectify the inaccurate reporting, I wrote a letter to the CEO, XXXX and called again to inform the lender of the below reporting act but the problem still has not been rectified ( Letter enclosed ). 

SEC. 4021. Credit Protection during XXXX. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING XXXX PANDEMIC ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall - report the credit obligation or account as current ; or if the credit obligation or account was delinquent before the accommodation - maintain the delinquent status during the period in which the accommodation is in effect ; and- if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The financial institution disclosed my nonpublic personal information to a nonaffiliated third party without providing me with the required disclosures regarding the sharing of my nonpublic personal information, which would have allowed me to exercise my right to opt out of the disclosure.
Consumer complaint received 2024-10-04
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 need your help regarding this incorrect account appearing on my credit report. The issue has damaged my standing, and I depend on your assistance. Due to your mishandling, my reputation has suffered. These inaccuracies must be removed from my credit report immediately.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have found that these inaccuracies are still reporting on my file and it's disappointing considering how I have reached out to your company twice regarding these accounts. It's so disappointing to consistently ask of you to investigate these because it's causing me so much stress.
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (GA)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (FL)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] XXXX XXXX. with account number... ... XXXX XXXX XXXX XXXX XXXX XXXX } IDENTITY THEFT ; using my identity to report inaccurate information FRAUD This account has the wrong balance I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. Lastly, Credit reporting agencies are required by federal law to obtain a consumer 's consent before publishing information in their consumer files. I also do not consent to you making money from the use of my name. Enclosed are copies of ID and proof of mailing address. Sincerely, A COPY OF THIS LETTER WAS ALSO MAILD ON ( XXXX ) TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA COPY OF METRO-2 REPORT IS ALSO PROVIDED SHOWING ALL INACCURATE INFORMATION THAT IS REPORTING ON THIS ACCOUNT sincerely.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This is my refilling of complaint to EQUIFAX for allowing unauthorized inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Dispute Department : LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report.

Account Information : Creditor Name : XXXX  Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA.