davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (PA)

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 2024-06-13
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 sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (MO)

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 2024-06-13
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)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (NY)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-13
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX  Balance {$100.00}
Consumer complaint received 2024-06-13
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX  Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account XXXX : XXXX
Consumer complaint received 2024-06-12
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)

Under 15 USC 1681 law, credit reporting agency violated my rights as consumer by using and disseminating my credit information without my written consent before certain information is disclosed. 

I have never provided written consent or permission for credit reporting agency to furnish and disclose my information for the following accounts : - XXXX XXXX XXXX : XXXX - Auto Lease opened on XX/XX/XXXX - XXXX XXXX XXXX : XXXX - Auto Lease opened on XX/XX/XXXX
Consumer complaint received 2024-06-13
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 must express my inability to accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. This raises serious concerns about your authority to determine what constitutes a material fact. Your role does not grant you the powers of a judge or jury, nor the inherent right to make such determinations. 

According to Federal Trade Commission ( FTC ) guidelines, when an FTC identity theft report has been filed with a law enforcement agency ( including the FTC itself ), the protocol is to adhere to the law and investigate accordingly. 

I am giving you one final opportunity to process my request regarding my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a case, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured. During legal proceedings, what constitutes a material fact will become clear, and you may be required to compensate me for your negligence. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-13
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)

I am formally submitting a complaint regarding the failure to conduct a proper investigation into my dispute under the Fair Credit Reporting Act ( FCRA ). My dispute concerns the inaccurate information reported on my credit report by ( XXXX XXXX XXXX Account # XXXX ) Nature of the Dispute : On [ XX/XX/year> ], I disputed the accuracy of the information reported by XXXX XXXX XXXX Account # XXXX ) with your agency. Specifically, I contested the following : Inaccurate reporting of the account status Inaccurate payment history Despite my detailed dispute, I received a notification that my dispute was resolved without any changes to my credit report. I believe the investigation conducted by your agency was inadequate and did not comply with the requirements set forth by the FCRA.

Request for Method of Verification : Under Section 611 ( a ) ( 7 ) of the FCRA, I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information. Therefore, I am formally requesting the method of verification used in your investigation into my dispute regarding the XXXX account . Please provide detailed information on : The sources contacted during your investigation The documentation reviewed The process followed to verify the information Request for Re-Investigation : In addition, I request that you re-investigate this matter promptly. Under Section 611 ( a ) of the FCRA, you are required to 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 my credit report.

Supporting Information from Original Creditor : I have also disputed this account directly with XXXX , and they have confirmed that the account will be deleted due to inaccuracies in reporting. This further substantiates my claim that the information is incorrect. The original creditors acknowledgment of the inaccuracies indicates a violation of the FCRA, which mandates accurate reporting.

Request for Deletion : In light of the aforementioned inaccuracies and the failure to comply with the FCRA guidelines, I am requesting the immediate deletion of the XXXX XXXX XXXX Account # XXXX ) from my credit report. Continued reporting of this inaccurate information is a violation of the FCRA and the guidelines of the XXXX XXXX XXXX XXXX ( XXXX ). 

Please respond to this complaint in writing within 30 days of receipt, as mandated by the FCRA, with the results of your reinvestigation and the method of verification. If you fail to comply, I will not hesitate to escalate this matter and seek legal remedies.

Thank you for your prompt attention to this matter. I look forward to your swift response and the correction of my credit report.
Consumer complaint received 2024-06-13
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$76.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-12
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. (AZ)

On XX/XX/year> I sent Transunion a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it
Consumer complaint received 2024-06-12
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. (MO)

Dear XXXX, I am writing to formally dispute several inaccuracies on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section XXXX ( a ) and 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ). The inaccurate information is adversely affecting my creditworthiness and overall financial health. 

According to 15 U.S.C. 1681 Section XXXX ( a ), XXXX has determined that consumer reporting agencies have grave responsibilities to ensure the accuracy and fairness of credit reporting. Additionally, 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ) stipulates the permissible purposes for which a consumer report can be furnished, which further supports my right to dispute and correct any erroneous information. 

The accounts in question are as follows : 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/XXXX These accounts contain inaccurate and potentially fraudulent information. I request that these entries be investigated and rectified as per my rights under the FCRA. Specifically, I ask for : XXXX of the accuracy of the disputed accounts. 
Removal of any information that can not be verified as accurate. 
XXXX notification to all credit reporting agencies to correct and update my credit file. 
Enclosed, you will find copies of my credit report highlighting the disputed items, as well as any supporting documentation I have regarding these accounts. 

Thank you for your prompt attention to this matter. I look forward to a resolution that ensures the integrity and accuracy of my credit report. 

Sincerely,
Consumer complaint received 2024-06-12
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. (AR)

Reporting agency failed to adequately verify account in collections. Account is tied to an address that I have never resided in nor recognize. The address is also not listed on my credit report nor deeming it fraudulent. Also they have inaccurately tagged my credit profile as having XXXX late payments with XXXX Credit Card when I in fact do not have late payments on this account. XXXX Fraudlent charges were reversed in my favor on the account and the reporting agency failed to update the accounts adversely affecting my credit causing me stress, pain and suffering. Also the credit card was closed and had an completely different account number. Proof of the account number is in the attachments. I have not completed ANY transactions under this NEW account number which makes all payment history dating back before XXXX null and void.
Consumer complaint received 2024-06-12
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX 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
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone purchased XXXX XXXX XXXX tickets with my information transaction date XX/XX/2023 with 2 transactions. {$550.00} and {$440.00}. 

I disputed with Bank of America. Through their investigation they determined that I had received the service that XXXX charged me for. I did not make any transactions with XXXX. 

The day the charges were made I was flying out to XXXX. So my location is proven with my travel documents which is around the time the transactions were made. The location of the purchaser must be determined to further provide evidence that I did not make those transactions.
Consumer complaint received 2024-06-12
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern.

I am writing to update/correct my personal information on file with your company. 

Please update my address ( ( ( XXXX XXXX XXXX XXXX ga XXXX ) ) ) Please update my name ( ( XXXX XXXX XXXX ) ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-18
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: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-13
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. (AZ)

I am filing this complaint against XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ).

Violation of Privacy Rights ( 15 U.S.C. 1681 Section 602 ) : The FCRA stipulates that I have the right to privacy concerning my consumer credit information. XXXX has violated this right by mishandling my account information without my explicit consent.

Unlawful Re-reporting of Account Information ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : According to the FCRA, a consumer reporting agency can not refurnish an account without written instructions from the consumer. XXXX has failed to adhere to this regulation by re-reporting my account information without obtaining my written consent.

Improper Late Payment Reporting ( 15 U.S.C. 1666B ) : Under this provision, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if it was made in accordance with the required payment terms. XXXX has incorrectly reported my account as late, which is inaccurate and violates my rights under the FCRA.

Account Information : Creditor : XXXX Account Number : XXXX Supporting Documentation : I am prepared to provide any additional documentation required to support my complaint. Please let me know what specific information or documents you need to facilitate the resolution of this matter.

Declaration : I declare under penalty of perjury that all information provided in this complaint is true and accurate to the best of my knowledge and belief.

Thank you for your prompt attention to this matter. I look forward to your response and resolution.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.