davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Experian, XXXX requesting the removal of negative remarks from my credit report under the Fair Credit Reporting Act ( FCRA ) XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Negative Remarks from Credit Report Dear Experian, I am writing to formally request the removal of denigrating remark from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I've identified a negative entry that I believe to be misleading. 

**Details of My Dispute : ** XXXX XXXX XXXX Account Information . I'm requesting that you remove the negative remark ( SETTLEMENT ). The account was paid and closed. 


I believe this remark is putting me down. " I Under the FCRA, I have the right to dispute any inaccurate information in my credit report. Therefore, I kindly request that you conduct a thorough investigation and take appropriate action to remove that negative remark from my credit report. 

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-08
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. I would like to bring to your attention the following inaccuracies : XXXX. Incorrect Address : The correct address is XXXX XXXX XXXX, XXXX NH XXXX. I request that you update my address information accordingly and delete any information that is not the current address as listed above. Also delete ALL previous addresses on file. 2. Misspelled Name : The correct spelling of my name is XXXX XXXX. Please correct this error to accurately reflect my personal information and delete any name that is not listed as the name above. Also, delete ALL known as names on file. XXXX. Only Date of Birth : XX/XX/year> I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. A recent utility bill displaying my correct address. I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing. Please provide a written confirmation once the corrections have been made to my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the accurate personal information.
Consumer complaint received 2024-08-08
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-08
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. (PA)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was completely taken aback this morning when I saw inaccurate accounts appearing on my credit report. I dont understand how this could have happened. I checked my credit report as I normally do, but this time there were errors that seemed to come out of nowhere. I even refreshed my browser, thinking it might just be a mistake, but nothing changed. These errors are really worrying me, so Im requesting that the documents I've provided be carefully checked so that I can have peace of mind moving forward.
Consumer complaint received 2024-08-08
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. (MO)

To my disappointment, I discovered unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I regularly monitor my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was a glitch, but the inquiries didnt go away. I urge you to carefully review the documents Ive provided so that I can put this worry behind me.
Consumer complaint received 2024-08-08
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX -- XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This collection agency has failed to provide me a wet-ink signature agreeing to transfer any allege debt to them. I also do not agree nor is the debt valid. It's a violation of federal law to furnish on my credit without my consent which they have failed to provide. I will now have to seek legal counsel and file a lawsuit. The XXXX, XXXX is a debt collector that violated my federal rights. XX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company is being reported late 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 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.

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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company is being reported late 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 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.

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 2024-08-08
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)

on XX/XX/XXXX a account was opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A request for All original loan documentation and proof of identification and signatures are requested due to identity theft that was committed against me in XXXX and as XX/XX/XXXX police report filed XXXX XXXX police report available of discovering on all credit bureaus please remove and discontinue reporting via:1970 fair reporting act.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have an open account with Sensible Auto which is current. As of XXXX of XXXX they started reporting my account closed and reported in a bankruptcy. I filed a bankruptcy in XXXX of XXXX. My case was closed XXXX of XXXX. I purchased a car jointly with my husband in XXXX of XXXX. The account has been reporting on my account correctly for XXXX  years and now it's saying closed due to bankruptcy but it's open and current on my husband credit report. I have reached out to XXXX XXXX last month and the credit bureaus about the issue. A supervisor at XXXX XXXX stated that it will be corrected on my XXXX report but it has not updated. I am trying to purchase a home and this issue is creating a major problem for me. Please help me
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-09
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)

These are not my accounts accounts where opened fraudulently. I have know knowledge of accounts that are being reported on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-09
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)

This morning, I was stunned to find inaccurate accounts on my credit report, and I have no idea why they are there. When I checked my credit report as I normally do, I was shocked to see discrepancies that came out of nowhere. I tried refreshing my browser, thinking it might just be a glitch, but the errors didnt go away. Im asking that the documents Ive submitted be carefully reviewed to ensure I never have to face this issue again.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I checked my credit report this morning, I was alarmed to see unauthorized inquiries that I can't explain. I regularly monitor my report, but this time I noticed discrepancies that seemed to appear out of nowhere. I refreshed the browser, hoping it was a technical error, but the inquiries persisted. I'm asking for a detailed review of the documents I've provided so that this issue can finally be resolved.
Consumer complaint received 2024-08-08
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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-08
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 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!