davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-04
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)

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/year> reference XXXX.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
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've always ensured this account 's payments were made on time, never allowing them to be late. I am unclear about the late payment remarks on my accounts. According to 15 USC 1666b, this billing error should be addressed.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Dated XX/XX/year> Applied for capital one credit card was approved to receive the card. Moving forward a page requesting a XXXX dollar security deposit to release the card and open up the account. Pursuant 15 usc 1662 this action is prohibited in the extension of a consumer credit transaction. There response is its there policy. The company has given me til XX/XX/year> to pay the balance in full
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Amex I was charged a late fee and interest for {$34000.00} on a long ongoing dispute in regards to a fraudulent dental bill. 
After suing The XXXX  I also had to sue Amex as charges for services I never received were still on my card and this was not getting resolved. 
I went through almost 2 years of stress Letters, phone calls and complaints and took up much of my time and energy. 
I had called and sent letters almost every XXXX weeks about this .Amex was aware that I had sued as dispute was ongoing as I called them and they were served XXXX XX/XX/year>. I called XX/XX/XXXX and was forced to pay {$340.00} Interest even though I told them there was a court date in XXXX. Amex Suspended my other card to force me to pay. 
I received a call from your legal dept in regards to these charges and it was finally settled and I paid the balance so theres nothing owing. 
The legal dept informed me that the interest had to be dealt with thru customer service. 
I Have been a XXXX XXXX  Years and my records will show Ive always paid in full monthly. 
I am asking that you please chargeback and take off this {$340.00} that was charged on my XXXX XXXX closing bill a courtesy and due to our long standing relationship. 
Thank you
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-06-03
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. (AR)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2023-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a natural person. My name is XXXX XXXX XXXX. The credit bureau violated my rights and disrespected my rights to privacy. If you dont remove this account we will have some problems! 

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-06-05
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)

This will be my second attempt at resolving this issue. I pulled a recent copy of my credit report and noticed two accounts reflecting in accurate information, in the form of late payments ( XXXX and XXXX XXXX XXXX accounts ). Not only have I never been late, but reporting this inaccurate information to profile is in violation of the FCRA. 
According to According to 15 USC 1681i ( 7 ) each credit reporting agency is required to provide me their procedures on concluding any payments were late, which XXXX, XXXX, and Transunion has been unable to do. I've sent letters certified mail requesting this information with No formal response or evidence proving that I have ever been late on these accounts. 
According to 15 USC 1681 ( A ) 2i. The FCRA governs a consumers transactions and experiences from being included and reported to a consumers profile. A late payment is considered a transaction and consumer experience. 
Reporting this unverified and inaccurate is also in violation of 15 USC 1681EB as each credit reporting agency is required to ensure maximum accuracy, when reporting to my consumer profile
Consumer complaint received 2024-06-04
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. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX : Account number : XXXX, Dept Of ED/XXXX XXXXXXXX : Account Number : XXXX, XXXX XXXX XXXX Account number : XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681c . ( a ) ( 5 ) Section States : no consumer reporting agency may make any cinsumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 resonable cause to believe that the information is inaccurate
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Experian Information Solutions Inc. (GA)

A child support account that is delinquent is on my Experian consumer report. I wrote them a dispute letter and sent it to Experian, XXXX, and XXXX XXXX notified mail XXXX, and XXXX XXXX did the right thing and took the false not accurate information off my credit report within 30 days. Experian never even answer my notify letter. To Update information and make sure the accounts I asked to be accurate to be accurate, which is not accurate I never got a response. I called them also and got the run around. Experian is really violating my consumer rights. permissible purpose
Consumer complaint received 2024-06-04
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)

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/year> reference XXXX.
Consumer complaint received 2024-06-07
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. (MI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was date d XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Owed : {$50.00} XXXXXXXX XXXXXXXX XXXX Owed : {$5700.00} XXXX XXXXXXXX Owed : {$7600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} - XXXX XXXX XXXX XXXX XXXX Balance Owed : {$760.00}
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America Account XXXX I am writing to urgently dispute the accuracy of a charge-off reported on my credit report associated with the Bank of America account ending in XXXX. This item has been inaccurately reported as a " charge-off, '' which I firmly believe does not accurately reflect the true status of my credit report. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( a ) " Procedure in case of disputed accuracy '' and 15 U.S.C. 1681a ( x ) ( 1 ), I am exercising my right to challenge this inaccuracy and request its immediate correction or removal from my credit file.
Consumer complaint received 2024-06-04
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-01
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. (IN)

Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights. 

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment XXXX XXXX  account under an open and consumer credit plan as late for a purpose.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-14
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. (DC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-03
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. (TN)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Because of the lack of compliance with the law and regulations that govern the credit union. I am sending you this communication with the credit union to advise them that since they have not been complying with the federal law they have to be aware that their lack of compliance with the federal laws is causing me to sue them for the loss of money that I could not get due to the fact they have made a active choice to make their own law and violate my rights. I am a victim of fraud and even after notifying them of this they closed my credit card out of retaliation for being a victim.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've consistently ensured timely payments on this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want these wrong accounts on my credit file checked and fixed. According to the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B says to report wrong accounts on credit files.
Consumer complaint received 2024-06-03
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. (GA)

XXXX XXXX  ( XXXX  ) INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 

XXXX INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 


XXXX XXXX INQUIRED ON XX/XX/XXXX. THEY DID NOT HAVE AUTHORIZATION TO PERFORM THE ACTS THAT THEY DID.
Consumer complaint received 2023-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.