davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

showing different account numbers on all three bureaus. It shows Im 90 days past due when I have never been late. No 30 or 60 day late payment just a 90 day late payment for different months across the bureaus. Billing history with aidvantage doesnt show anytime being late in 2019. Information not being reported but showing its up to date and last activity needs to be updated. Not showing a payment amount. Not showing the terms of the loan agreement. Showing numerous FCRA violations that I will be seeking {$1000.00} retribution for every violation on my consumer report. Update, correct, or delete immediately as this inaccuracy will not be tolerated as it is damaging my credit report.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXXXXXX 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 2024-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removed of the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-22
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. (GA)

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 2024-07-21
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. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have/am requested they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to.
Consumer complaint received 2024-07-21
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. (SC)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-21
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)

Im a victim of identity theft and you have a FTC Affidavit that I submitted to the Credit Bureau but they refused to remove the fraudulent accounts. I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide you with proof. i have no knowledge of the following accounts 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  and the following inquiries.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (IN)

On XXXX XXXX, between XX/XX/XXXX and XX/XX/XXXX, the collection account with Credence Resource Management was removed from my credit report. Then was back on my report between XX/XX/XXXX and XX/XX/XXXX, now showing original creditor XXXX XXXX  XXXX I was unsure of what this even was so I called Credence and they explained it was a bill for XXXX of {$2600.00}. I do not have XXXX anymore as I paid off my phone and switched to prepaid with XXXX for a few months then left and went to XXXX. My husband was still on the account, which I acknowledged. I was unsure of where the amount was comin g from and they told me they could only give me select information. When I told them I had not received anything in the mail, they said it was because they have my old address, but our mail was forwarded. So I decided to call XXXX and after several phone calls to get into contact with the right person, XXXX was able to convince their collections department to speak with me. They stated they could not give out information through email anymore and they have my old address on file and can not update my address to send me the correct detailed information on what I owe to them. At this point I have no idea what to do. The amount owed does not seem correct and I am wanting a detailed bill of exactly what is owed, but no one is giving me any info or telling me they can't send me anything since they have an old address. XXXX collections even told me they can not update the address to be able to send me any statements. I am not saying I do not owe but the amount does not seem correct and I can not get anyone to send me the correct information. When speaking with the XXXX rep she was super helpful but told me how my phone was not paid off. However was in agreeance that something had to be wrong, since policy is they will not unlock your phone to be able to go to another carrier if you still owe. But I was able to switch to XXXX mobile. I remember I had to call XXXX and have them unlock my phone before XXXX would let me start service. If I owed anything then, nothing was relayed to me, and my phone was unlocked still. I even stayed with XXXX after I paid off my phone for a few months and did XXXX prepay. I just need to know exactly what is being charged adding up to that outrageous amount. XXXX collections department also told me to go into an XXXX store and they " may '' be able to print out the last XXXX statements for me. They could not do that. They were having trouble even finding my account.
Consumer complaint received 2024-07-21
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. (IL)

I was never late for these months. I have proof payment was made to the account. I was never late. Please update and make corrections for this account XXXX I was never late in XXXX of XXXX or XXXX of XXXX or XXXX of XXXX. Please update my account it hurting me from closed on a house.
Consumer complaint received 2022-07-12
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: ENCORE CAPITAL GROUP INC. (TX)

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) How can this debt be validated when there is inaccuracies on my credit report Date open on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Transunion credit file of XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, I filed an arbitration against Equifax ( Case number XXXX ), however, I have received a notice from the XXXX XXXX XXXX, informing me that XXXX, failed to comply with the XXXX  policies regarding consumer claims, out of compliance and therefore XXXX  can not process any arbitrations with Equifax . This means they are not only in breach of contract with me but with every other account, Equifax is servicing. I am requesting the Consumer Financial Protection Bureau launch a class action against Equifax. on behalf of all other consumers. Equifax is in breach of contract and failed to comply with the arbitration provision.
Consumer complaint received 2024-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i sent in all different type of documents to the credit reporting agencies. like XXXX, XXXX 'S, ID, UTILITY BILLS, BANK STATEMENTS, PAYSTUBS. THEY STILL RE FEW TO REMOVE THE INACCURACIES. THE ACCOUNT ARE INCOMPLETE AND NEEDS TO BE REMOVED.
Consumer complaint received 2024-06-27
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. (IN)

The current items are errors on my credit report. 

The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXXXXXX  XXXX XXXX XXXX XXXXXXXX XXXXL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX XXXX, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Transunion credit file of XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-21
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. (TX)

XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX - How did you ensure maximum accuracy? 
- How did transunion verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.
Consumer complaint received 2024-07-21
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. (TX)

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - How did you ensure maximum accuracy? 
- How did transunion verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Remove Unauthorized Inquiries Inquiry Removal Letter Date : XX/XX/XXXX Name : XXXX XXXX Address Line : XXXX XXXX XXXX, XXXX XXXX  Ca, XXXX Credit Bureau : TransUnion Address Line : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX remove unauthorized inquiries Dear TransUnion, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
1. XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX Social security number : XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed that there was a late payment on my credit report that was 30 days late in which I never meant for that payment to escalate to that point, I have been unemployed for quite sometime, I have been homeless without a car, a place to live, nor food to eat and I have asked for help in any way that I could without success. I have explained in the late payment letter that I would not be able to get a place, a job, nor car if this Goodwill Courtesy is NOT granted and I have knowledge about how credit reporting works as I worked in the line of business previously. However, I have NEVER paid late, my income has been under the table having done odd jobs for people and I do not have a W-2 as the amounts vary from time to time. I am asking this as a one-time courtesy as I plan to pay on-time and I am hoping to have steady income soon. I have been on my own since I was XXXX XXXX XXXX, I have been in and out of various group homes, etc. I have been evicted from my home and had my vehicle repossessed due to lack of income. I am asking that this late payment be removed from the attached credit report and also removed from the other two as well ( If it has not been already reported. I have not had steady employment since XX/XX/year> and I have been trying to find a job. The only income I receive is food stamps and that barely gets me through. I have been denied unemployment benefits, no help from anyone and all of the resources I contacted require me to have employment as the help would only be temporary.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  Revolving account with account # XXXX opened on XX/XX/year> and a balance of {$970.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-21
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. (PA)

I sent a dispute to XXXX and Transunion regarding an account that is on my report. I stated that I never received ANY written notice that they were going to furnish negative information on my consumer report neither prior to or 30 days after furnishing. In that dispute I requested that they conduct an investigation and request proof from the furnisher that they provided me with such notice. It has been 2 months since I mailed it out and I have not yet received a response from these agencies. I demand that they delete this information immediately.
Consumer complaint received 2024-07-21
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX XXXX XXXX immediately thanks.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX account with account # XXXX opened on XX/XX/2017 and a balance of {$710.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-21
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. (PA)

GOT EMAIL NOCTICE FROM TRANSUION AND XXXX OF INQUIRY I DID NOT AUTHERIZE OR HAVE KNOWLEGE OF ON XX/XX/2024 TRANSUION XXXX XXXX XXXX  ON XX/XX/2024 TRANSUION XXXX ON XX/XX/2024 TRANSUION XXXX  XXXX XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX XXXX XXXX  I DID NOT APPROVE THE ABOVE INQUIRIES THIS IS FRUAD
Consumer complaint received 2024-07-21
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. (PA)

UPON MY PULLING MY THREE CREDIT REPORTS, NAMELY XXXX, XXXX AND TRANSUNION I NOTICE SOME FRADULENT ACCOUBTS ON MY CREDIT REPORTS.
Consumer complaint received 2024-07-21
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. (OH)

There are unapproved/fraudulent inquiries on my credit report below : 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/XXXX
Consumer complaint received 2024-07-21
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.