davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

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

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-10
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. (NJ)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit reports maintained by TransUnion and XXXX. The details of the accounts in question are as follows : TransUnion Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by TransUnion and XXXX regarding the above account. Specifically : Date Opened : TransUnion reports the account as opened on XX/XX/XXXX, while XXXX reports it as opened on XX/XX/XXXX. 

Date Last Active : TransUnion reports the account as last active on XX/XX/XXXX, whereas XXXX reports it as last active on XX/XX/XXXX. This discrepancy in reported dates of last activity is substantial and needs clarification. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening and last active dates suggest a failure to maintain accurate consumer information.

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports. 

Furthermore, under FCRA 611 ( a ) ( XXXX ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that TransUnion and XXXX promptly delete the inaccurate information from my credit reports. 


I request that TransUnion and XXXX conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports. Please provide me with the results of the investigation in writing and confirm when the corrections have been made. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

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

Sincerely,
Consumer complaint received 2024-06-21
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. (AL)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
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. (GA)

I contacted Transunion for the past month to correct my credit file I was told I had a mix file with information belonging to someone and that they would send it to the back office for maintenance and the accounts XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX would all be removed from my file in XXXX hrs as oh XXXX XXXX which its now XXXX XXXX and nothing has be removed
Consumer complaint received 2024-06-21
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. (IL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-21
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. (MN)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : 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 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 XXXXXX/XX/year>
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-21
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Dear XXXX of TransUnion In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX account with account # XXXX, has violated my rights. 

I believe that this information is inaccurate and does not belong on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that you investigate this matter and correct any errors. 

Please note that under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in a consumer 's credit report. I request that you investigate this matter and take the necessary steps to correct my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 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. 

Furthermore, I would like to request that you provide me with the following information. Under Section 611 of the FCRA, you are required to provide me with this information within XXXX days of receiving this letter. I would appreciate it if you could send me a written confirmation of the receipt of this letter, along with a timeline of when I can expect the corrections to be made. 

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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 XXXX - XXXX 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 me 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.

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. 


XXXX XXXX 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 2023-04-23
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. (TX)

I sent a letter off on XX/XX/2023. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX To remove personal information that i do not want on my consumer file. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution can share my information to a third party company without my permission and or authorized consent. I never consented to have my private information shared with third party financial institutions and or companys. I was never given the opt out option by the companys either. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (AR)

I purchased my XXXX XXXX XXXX from American Car Center in XXXX XXXX XXXX, Arkansas. The date of purchase was XXXX XXXX. The amount to finance the vehicle was {$27000.00}. This vehicle was financed through the original lienholder American Financial. 

Unfortunately, American Car Center and American Financial " ABRUPTLY '' went bankrupt in XX/XX/2023. I received a call in XXXX from a Westlake Portfolio Management Representative stating, " They are the new lienholder handling my account now and all future payments should be forward to them ''. As a result of them purchasing my account for an undisclosed amount from American Financial, they decided to terminate my limited warranty and additional coverages in my original lease agreement in an email sent to me on XX/XX/XXXX. Since this occurred, I have sent them certified letters repeatedly requesting that they email me all original documents as proof that they own my account and the right to collect on it. They have REFUSED AND FAILED to provide me with all the original documents for my account with no response to my letters. In addition to the mental and emotional stress dealing with Westlake Financial Services, my vehicle was determined to be a " TOTAL LOSS '' by my insurance company due to the tornado damage it suffered on XX/XX/XXXX. With a " LETTER OF GUARANTEE '' from Westlake Financial Service, they agreed to a settlement with my insurance company for the cash value of the vehicle which allowed me to retain ownership of the vehicle. My insurance adjuster sent me a voice message on XX/XX/XXXX to confirm the settlement agreement.
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. (AZ)

I am submitting in response to the recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information. Therefore, I am requesting more details regarding this specific account : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX request immediate verification of the payment history and status of this account. Your records do not match mine, and I believe the reported information is incorrect. I have consistently made timely payments and have never been late on this account. I demand a thorough investigation and swift correction of any discrepancies to ensure legal and accurate reporting. As stipulated under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update this disputed account. Additionally, provide me with the names and addresses of the individuals you contacted. You have fifteen ( 15 ) days from receipt of this letter to complete these actions as per 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this period constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 



I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 



I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 


Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 


Please send an updated credit report once the changes are complete to my contact information listed.My contact information is as follows : Name : XXXX XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America blocked both my wifes and my debt cards because they saw a lot of activity going on. They gave us no warning until late and that was after we were embrassed trying to get monies out of our own account with an ATM with an XXXX XXXX XXXX in XXXX NJ. The tranactions were all legal, so why should a XXXX bank such as BANK of AMERICA control our monies, and tell us how we can handle our own accounts and monies. I have since cut up the ATM cards and thrown out the checks. This is XXXX and I will not tolerate being watched and told what to do with my own accounts and monies.
Consumer complaint received 2024-06-21
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. (FL)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXX to further substantiate my claim. 

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

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (AZ)

Upon my receipt Discover 's annual year end summary XXXX, I noticed that I was being charged to separate interest rates. I had never seen this before, as I had never really reviewed any of their annual year end summaries. I filed a complaint with the Arizona Attorney General 's Office ( XX/XX/XXXX ) and Discover 's EO of Customer Advocacy, XXXX XXXX, insisted that I agreed to a promotional offer, and I did not. The matter has been an ongoing back and for rehashing of the XXXX XXXX repeating that I accepted the promotion offer, and me of course adamantly denying this fact. None the less I and still being charged 2 separate interest rates. In lieu of all of this, I have never been offered the opportunity to pay off the balance of the promotional to eliminate the need for 2 interest rates, nor am I allowed to allocate my monthly payments. I called into customer service on or about XX/XX/XXXX, to inquire as the reason for the replacement card. I was then advised that it was due to the New Chip, as my old card did not have a chip. I then asked why only one card when my spouse is an authorized user and yet only one replace card was received. The customer service representative advised that a replacement card would be sent in the name of my spouse. At this point, XXXX XXXX is claiming that I agreed to the promotional and has not provided a copy of the recorded conversation stated that I agreed to any promotional. I totally understand the fundamentals of promotional offers and from time to time I take advantage of promotional offer when it is beneficial to my needs. And this particular offer would not have been in my best interest or beneficial to me in any form. My XXXX account is attached to my Discover Card, considering that myself and spouse are constantly making purchases on XXXX. With this in mind I can not not feasibly see their alleged promo being of any benefit to me.