davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-28
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)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX Credit Card, account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-29
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)

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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.

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 2024-06-28
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)

Hello, I would like you to help me remove this from my report. My credit is getting really bad because of this. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, New York XXXX XXXX - XXXX $ ( XXXX ) XXXX Account Name : XXXX  XXXX Account number : XXXX Balance {$75.00} Account Name : XXXXXXXX XXXX XXXX  Account numberXXXX Balance {$0.00} Account Name : XXXX  Account numberXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under 15 usc 1681b to report anything on my credit report. They need my written consent to report on my credit score. They never received that from me. Please email me do not call
Consumer complaint received 2024-06-29
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. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXXXXXX XXXX  is reporting me a balance of {$2000.00} and has lowered my TransUnion score XXXX, leaving me with XXXX score. I have called the bank and they said they are not reporting that. The thing is my card currently on a balance of {$200.00}.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have a problem with Equifax. I formerly had a charge off with XXXX XXXX XXXX. I was able to make contact with the company and they agreed in writing to remove this account from all of my credit reports. XXXX and XXXX  removed the account but Equifax has not. I even sent them the written proof from XXXX XXXX XXXX showing them that it should be removed. However Equifax still has the account listed as a charge off on my report.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pursuant to 15 USC Section 809 ( B ) I'm putting XXXX XXXX XXXX on notice that your claim is disputed and validation of the furnished account. XXXX XXXX XXXX has not supplied proof under the doctrine of estoppel by slience, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as it's directly associated and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. * Chain of Title Proof that you are a licensed debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. * A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting. And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? 3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 4. Did you purchase this alleged account from the alleged original creditor? XXXX. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ). Failure to remove off my credit report will result in legal matters being taken and me turning XXXX XXXX XXXX  into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. In Good Faith Without Prejudice Under Duress By : XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Aplique a un prstamo personal mediante la aplicacin mvil Experian con XXXX XXXX XXXXl y me dijeron que estaba aprobado y luego al parecer ellos me informa de que no estaba aprobado despus de crearme un inquiry en mi reporte de crdito.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX, XXXX. ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-28
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. (NY)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-28
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 have accounts opened in my name while I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have tried to resolve this issue for months now. I have submitted FTC reports, Police reports, etc. Nothing has happened.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/XXXX, I my account was scammed and a check was put into my account. Through mobile app which my mother and I did not activate on her phone. Next thing we know the {$200.00} deposit - a check was in the account and out using my debit card which was in my purse along with a purchase at XXXX. This came days after the news released a photo of 2 people that were going around using checks and debit cards around the area. I called the bank and let them know what was going on. They said it would be a fraud investigation and it would take 3 days. I let them know I was out of the country as well. My mom and I changed all our login information. a few days later the check came back I called to find out what was the outcome of the investigation. I was told that it was never put in and as of XX/XX/XXXX it would have to be done again. We were still in XXXX. So I called back Wednesday morning only to be told that it would be expedited. The supervisor also spoke about the fact that we were not offered another debit card. He then sent for another debit card and told me the claim would be expedited. Around midnight today I got an email about the investigation saying it was our fault. and we are responsible. I also received the documentation today XX/XX/18 regarding the mobile deposit. The deposit was a check in my mother 's name yet the signature did not match especially based on any deposits or documents previously signed by mother. I will be contacting the police again because I can now file a formal complaint because I have all the info the police and investigators need.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (NC)

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts and delete from report : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Dept of Education XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.
Consumer complaint received 2024-06-28
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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-28
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)

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-06-28
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-06-28
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. (MN)

I RECENTLY DISCOVERED AN ACCOUNT ON MY CONSUMER REPORT THAT DOES NOT BELONGS TOME, I REQUESTED A SSA-89 FORM THAT SHOWS MY BARE SIGNATURE AND IT WAS NOT PROVIDED TOME. I AM ASKING THAT THIS ITEM BE DELETED FROM MY CONSUMER REPORT AS IT IS A DIRECTVIOLATION OF MY CONSUMER RIGHTS AND THE FCRA VIOLATED WHICH STATES COMPLETE ANDACCURACY AND SHOW WITHOUT A DOUBT THAT THE ALLEGE DEBT BELONGS TO ME, BECAUSE SAIDINFO HASN'T BEEN PROVIDED AND MY RIGHTS AS A CONSUMER WAS VIOLATED UNDER THE 15 US1681B I DEMAND REMOVAL ASAP OR I WILL BE FILING A LAWSUIT TO PURSUE FUTHER ACTIONS. THEACCOUNT IS XXXX  XXXX XXXX PLEASE REMOVE ASAP
Consumer complaint received 2024-06-29
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-28
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)

XXXX is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via XXXX XXXX XXXX responses, XXXX continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to XXXX XXXX via the XXXX and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. XXXX just verifies without actually looking into the situation. With all of the documentation provided, including XXXX saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.
Consumer complaint received 2024-06-28
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 have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized the inclusion of this information under my name, as I have been a victim of identity theft.