davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$49000.00} XX/XX/XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-30
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. (MS)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

This is a list of all hard inquires that are reporting to my XXXX, TRANSUNION, AND XXXX which is in violation of my privacy rights under the Privacy Rights Act of XXXX, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also Transunion, XXXX, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

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 2024-06-22
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. (TX)

This is my 2nd letter that I was subjected to misleading credit reporting and I write to dispute this inquiry in my file resulting from the crime. The inquiry I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this inquiry in my credit file that resulted from a misleading credit reporting : XXXX XXXX XX/XX/year>. This inquiry is unknown to me. Also, the information you provided on this inquiry was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on this inquiry is a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any inquiry that was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion has repeatedly refused to run disputes on multiple accounts that are not mine. They have incorrectly processed disputes, handled the wrong disputes, and ignored requests to run disputes for the past 12 months. Attached is a letter they sent requesting verification of my address. This verification wouldn't be necessary if they weren't disregarding the information I have sent them on multiple occasions. Also attached is the address letter that has been sent to them via certified mail 19 times. Each time, they have ignored and disregarded this letter and requested the same email verification. 
TransUnion is responsible for mixed files and furnishing and reporting inaccurate information intentionally. They have been informed multiple times over the phone and through the mail about the inaccurate accounts ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX ). They have failed to investigate these accounts as other credit bureaus have, and have now completely ruined my credit score, making it unable to be pulled accurately. When applying for credit union accounts, they are unable to pull a correct score due to TransUnion reporting so much fraudulent information compared to other accounts. 
When asked to run previous disputes, TransUnion never processed them correctly within 30 days and reopened another 30-day dispute period, hoping it would go unnoticed, which is also a FCRA violation. TransUnion should not be given the chance to dispute information, and it should be removed immediately as they have shown they are not legally running disputes.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion has repeatedly refused to run disputes on multiple accounts that are not mine. They have incorrectly processed disputes, handled the wrong disputes, and ignored requests to run disputes for the past 12 months. Attached is a letter they sent requesting verification of my address. This verification wouldn't be necessary if they weren't disregarding the information I have sent them on multiple occasions. Also attached is the address letter that has been sent to them via certified mail 19 times. Each time, they have ignored and disregarded this letter and requested the same email verification. 
TransUnion is responsible for mixed files and furnishing and reporting inaccurate information intentionally. They have been informed multiple times over the phone and through the mail about the inaccurate accounts ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ). They have failed to investigate these accounts as other credit bureaus have, and have now completely ruined my credit score, making it unable to be pulled accurately. When applying for credit union accounts, they are unable to pull a correct score due to TransUnion reporting so much fraudulent information compared to other accounts. 
When asked to run previous disputes, TransUnion never processed them correctly within 30 days and reopened another 30-day dispute period, hoping it would go unnoticed, which is also a FCRA violation. TransUnion should not be given the chance to dispute information, and it should be removed immediately as they have shown they are not legally running disputes.
Consumer complaint received 2024-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made XXXX payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, When I recently looked at my PERSONAL CREDIT REPORT it shows a BUSINESS CREDIT card on it, It also shows XXXX  Days past Due. 
I did not authorize the creditor to put any BUSINESS CREDIT card on my PERSONAL CREDIT REPORT, I was never late on any BUSINESS CREDIT CARDS as well. THE CARD and the late payments needs to be removed IMMEDIATELY The account is XXXX XXXX XXXX
Consumer complaint received 2024-06-30
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 writing to formally dispute an incorrect late payment entry on my credit reports. This incorrect information has been reported to the credit bureaus XXXX, XXXX, and TransUnion by XXXX  XXXX XXXX. 

Account Details : Account Number : XXXX XXXX XXXX XXXX Last Reported Date : XX/XX/XXXX ( LATE PAYMENT ) Reported Late Payment Amount : XXXX  Open Balance XXXX XXXX Credit Limit : XXXX Statement of Dispute : Upon reviewing my consumer reports, I discovered a late payment entry that is factually incorrect. I have never been late on any payment for the aforementioned account. Since XXXX, I have had automatic payments set up from my bank account to ensure all payments are made on time. There has never been an authorization to remove this auto-pay setup. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX5 U.S. Code 1681a, the term " consumer report '' excludes transactions or experiences directly between the consumer and the business. Reporting agencies are required to ensure the XXXX  possible accuracy of the information they provide. Reporting an inaccurate late payment constitutes a violation of this requirement. 

Action Requested : I demand that this incorrect late payment be immediately removed from my credit reports. If proof of the alleged late payment can not be provided, I insist that my payment history be updated to reflect XXXX payments as they have always been. 

XXXX XXXX XXXX have a vital responsibility to report consumer information accurately. The incorrect late payment reported by XXXX  XXXX XXXX has caused unnecessary damage to my credit score and financial reputation. I urge you to investigate this matter promptly and correct the inaccuracies in my credit reports. 

( 15 U.S. Code 1681a ) : Consumer Report : A consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Maximum Accuracy : Agencies must ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Attached copy of my documents for verification
Consumer complaint received 2023-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within XXXX XXXX, or any verification of these alleged debts from Portfolio Recovery which is a violation of FDCPA. Portfolio Recovery has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Portfolio Recovery, nor any party that Portfolio Recovery claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Portfolio Recovery remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
Consumer complaint received 2024-06-30
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. (NC)

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. 
I am hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with the company and i was never late! I have had exceptional payment history with this company 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 violate

s 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 1666
b 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.

This company 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 2023-11-06
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: Early Warning Services, LLC (PA)

Hello my Complaint is the Bank involved XXXX XXXX mainly i Lost my Job a long while ago when i had the account and i XXXX  overdrafted some and ended up owing XXXX  XXXX  XXXX XXXX  because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX  and my Problem is me owing them XXXX XXXX has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing ally XXXX! XXXX  only XXXX XXXX  and possibly my XXXX  account is mixed up in it as well closing out owing them XXXX XXXX  because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX  is spend the money before paying XXXX but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX XXXX XXXX  and XXXX XXXX and this XXXX XXXX  a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed XXXX XXXX XXXX but its XXXX XXXX  if XXXX  is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX  XXXX for an account they sent me this letter saying my early warning score is high risk
Consumer complaint received 2024-06-30
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. (KY)

XXXX XXXX XXXXXXXX I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies 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  XXXX XXXX : number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER XXXX5USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2. IT ALSO STATES THAT CONSUMER REPORT AGIENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666 B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
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. (NC)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with those creditors 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. 


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 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 

Account Name : 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 has violated my rights. Or list of inquiries 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.