davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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 am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the names below and contains erroneous details that do not reflect my financial history accurately. XXXX XXXX XXXX XXXX  and XXXX XXXX, XXXX XXXX Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. XXXX XXXX : This account is not supposed to be listed as " XXXX ''. This account is inaccurately listed as such. Payment status : This account is reporting as " Missed Payment '' on my report. Under the the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, you are required to investigate the disputed information. I urge you to take the following actions promptly : Investigate the inaccurate information. Remove the incorrect account from my credit report if it can not be validated. Correct my credit report accordingly and provide me with an updated copy. I expect these corrections to be made within the XXXX period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Consumer complaint received 2024-06-22
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 am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the names below and contains erroneous details that do not reflect my financial history accurately. XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. XXXX XXXX : This account is not supposed to be listed as " XXXX ''. This account is inaccurately listed as such. Payment status : This account is reporting as " Missed Payment '' on my report. Under the the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, you are required to investigate the disputed information. I urge you to take the following actions promptly : Investigate the inaccurate information. Remove the incorrect account from my credit report if it can not be validated. Correct my credit report accordingly and provide me with an updated copy. I expect these corrections to be made within the XXXX period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX XXXX is inaccurately reporting on my credit report 30 day late in XXXX and then a 60 day late in XXXX and a 30 day late again. When this car was stolen and it was paid out by the insurance in XXXX of XXXX. I was then informed in XXXX of XXXX  that there was an outstanding balance due to fees and charges that I needed to make payments on which I did. Now they are telling me that those were back payments and that they have reported them as late on my credit when the XXXX XXXX I thought prohibited them from doing so but also they never notified me of this.. The loan is paid off and has been for quite some time and they never even notified me that I was late because of their junk fees and charges when I was told by my insurance company that they paid off the loan.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

There is no Signed Legal contract between myself and the Aidvantage has falsely added this information to my credit reports. There are no Signed contract between myself and them. Therefore these false information should be removed from my credit reports immediately
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hi CFDP, I sent the credit bureau a letter asking them to verify the debt on my report with certified mail ( certified mail slip attached ) Regarding account : XXXX XXXX XXXX XXXX They have responded stating that everything is verified correctly. The credit report is still showing inaccuracies so I would like this resolved with my rights protected by 15 U.S.C 1681s-2 ( A ) ( 1 ). 

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. 

Information completely inconsistent need to remove item from my reports.
Consumer complaint received 2023-09-14
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. (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXXXX/XX/XXXX Account Number : XXXX I am writing to formally dispute the inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ) regarding my XXXXXX/XX/XXXXaccount referenced above. The following discrepancies and omissions have been identified in my credit report : Specific Issues Identified : XXXX. Inaccurate Account Status : The account status is listed as charged off with a past due amount of {$4300.00} as of XX/XX/XXXX. However, the status updated date is listed as XX/XX/XXXX, which is inconsistent with the charge-off status continuing into XXXX. 

2. Credit Limit Discrepancy : The credit limit for this account is reported as {$3500.00}, but the highest balance recorded is {$4300.00}. This discrepancy suggests possible errors in reporting or unclarified over-limit fees. 

3. Omitted Recent Payment and Monthly Payment Information : Last payment report as XX/XX/XXXX, but 24 months history payment show that last payment was XXXX, XXXX clearly an inaccurate payment information. Monthly payment fields are left blank, violating the requirement for transparency in payment reporting under XXXX. 

4. Inconsistent Payment History : The payment history shows gaps and inconsistencies, with no data ( ND ) reported for several months in XXXX and XXXX. This lack of detailed payment history affects the accuracy of the report. 

5. Inaccurate Reporting of Terms : The credit card terms, such as the APR and payment terms, are not reported, which violates the TILA requirement for clear disclosure. 

These issues are also in direct violation of the FCRA, specifically : - Section 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' - Section 1681i ( a ) : " 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... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute :.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally dispute inaccurate information that appears on this publicly traded security. The incorrect information contains numerous errors that need immediate correction. I assert my rights under the Uniform Commercial Code ( UCC ) 1-308 to have these inaccuracies promptly addressed and removed.

The publicly traded security in my consumer file contains false information and needs to be removed. Specifically, the following names listed on my report are incorrect : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I have not, nor have I ever, gone by these names. I do not have a middle name, and this information must be corrected immediately. 

Additionally, the following addresses are not mine and are non-mailable addresses, requiring prompt removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moreover, the following phone numbers are incorrect and should be removed from my consumer file : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX I am the rightful owner of this credit file and request that these inaccuracies be corrected to reflect my true information. I deserve to have my rights respected under UCC 1-308. 

Please investigate this matter, remove the inaccurate information from my consumer report, and send me written confirmation of these changes. I appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-06-22
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-08
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. (NV)

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-22
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)

To whom this may concern, my name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRTTEN instruction of the consumer whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-22
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. (IN)

I am writing to address an issue concerning an account listed on my credit report. The account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXX XXXX  Account Number : XXXX I am writing to formally dispute inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ). The account referenced above has several discrepancies and missing disclosures that violate TILA requirements. 

Specific Issues Identified : 1. Inaccurate Reporting of Terms : The credit card terms, such as the APR and payment terms, are not reported, which violates the TILA requirement for clear disclosure.

2. Discrepancy in High Balance vs. Credit Limit : The reported high balance of {$9600.00} exceeds the stated credit limit of {$9500.00}, which is unclear and possibly incorrect. 

3. Inconsistent Status Dates : The status date is listed as XX/XX/XXXX, while the account continues to show charge-offs through XX/XX/XXXX. This inconsistency needs to be corrected to reflect the most recent status accurately. 

4. Omitted Payment Information : The monthly payment history lacks reported payment amounts and dates, particularly between XX/XX/XXXX and XX/XX/XXXX, violating the transparency requirement under TILA.

These issues are in direct violation of the FCRA, specifically : Section 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' And Section 1681i ( a ) : " 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... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute.
Consumer complaint received 2024-06-22
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 am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the names below and contains erroneous details that do not reflect my financial history accurately. XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX, XXXX XXXX Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. XXXX XXXX : This account is not supposed to be listed as " XXXX ''. This account is inaccurately listed as such. Payment status : This account is reporting as " Missed Payment '' on my report. Under the the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, you are required to investigate the disputed information. I urge you to take the following actions promptly : Investigate the inaccurate information. Remove the incorrect account from my credit report if it can not be validated. Correct my credit report accordingly and provide me with an updated copy. I expect these corrections to be made within the XXXX period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Consumer complaint received 2024-06-22
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. (PA)

I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX XXXX. I have sent dispute requests to TransUnion regarding the following account numbers : XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these XXXX bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Consumer complaint received 2024-06-22
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. (IL)

STUDENT LOAN : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Issue : Fraud alert not removed by XXXX representative. Details : Spoke with XXXX ( Consumer Affairs ) on XX/XX/2024. Requested removal of fraud alert. Was told they couldn't remove it because of technical issues once again blocking me from access to credit.
Consumer complaint received 2024-06-22
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.