davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-02
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)

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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-06-06
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. (TX)

This is to express my deep dissatisfaction with the repeated unsuccessful attempts I have made to remove the fraud items from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. I discovered an fraud items listed on my credit report. Its inclusion on my credit report is erroneous and misleading. Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I demand for your assistance for immediate action to rectify these inaccuracies on my credit report, specifically by removing the fraud items. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-06
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. (LA)

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 2024-06-06
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. (TX)

I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history. Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution. Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items. Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; XXXX XX/XX/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 XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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)

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 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

It has come to my attention upon review of my consumer reports that the accounts that I have disputed with this agency are inaccurate and incomplete. The accounts violate 15 USC 1681e ( b ) because the accounts still remain inaccurate, and the Fair Credit Reporting Act urges consumer reporting agencies to ensure that the information they are receiving from creditors is accurate.

EXPERIAN has failed to uphold their obligations to ensure maximum possible accuracy to whom the report relates. This agency allowed inaccurate information to stay on my consumer report which civil liability per 15 USC 1681n can be enforced for this matter.

Pursuant to 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-06-05
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. (KY)

I sent a letter to Transunion and asked for validation because what they are allowing these companies to report are inaccurate they sent me their investigation and said those accts are verified and accurate. And according to 15 USC 1681 ( 5 ) | see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. 

XXXX XXXX number- XXXX is completely inaccurate and they updated this account to new inaccurate information this credit line was for XXXX I used this account and was only able to pay which the account was paid in full I could not access this account and they have no support available besides email. They were continuously charging me their fees for a account that was up to date paid in full I cant even access and haven't had access to for about 2 years now this is so unfair. 

XXXX XXXX XXXXXXXX XXXX I closed this account because all of my accounts with this bank were hacked I reported this issue they bank even gave me new accounts this investigation could not been properly done. 

XXXX XXXX XXXX everything about this account is wrong its not mine and I cant even get information to this account they told me I was giving them the wrong address and personal information so what information is the company using at least help me help myself. 

XXXX XXXX XXXX XXXX I've sent out certified mail to validate date the keep calling harrassing me instead of sending information i request to verify deby now the are saying the debt is for a minor child which and refuse to send information by mail because I rather not argue with their rude customer service reps. 
XXXX XXXXXXXX This information is wrong XXXX XXXX XXXX This account is not mines and I've been transferred and referred to so many other parties that were not able to help me so what did this company use please help me understand. 

XXXX XXXX XXXX Account not accurate
Consumer complaint received 2024-06-06
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)

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 Account XXXX : XXXX and list of Inquiries. 

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 2024-06-05
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. (NJ)

On XX/XX/XXXX there was an inquiry added to my consumer report from XXXX XXXX XXXX XXXX. I did not authorize this. I requested multiple times from TRANSUNION and XXXX XXXX XXXX XXXX to coordinate and remove the inaccuracy off my report to access the situation. It is XX/XX/XXXX and it's still reporting on my report. It is causing my harm by reporting this inaccurate information. According to 15 usc 1681 - " congressional findings and statement of purpose '' You are in violation of this law please remove immediately.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

Upon review of my consumer report with EXPERIAN there is an account in my report that is incomplete showing as reported by EXPERIAN 's website. The Fair Credit Reporting Act prohibits incomplete, inaccurate, and unverifiable information from being reported to the consumers report. The account in question is an account with the department of education that appears to be incomplete. It reports 'No Data ' all throughout the payment history section. I want to ensure that EXPERIAN reinvestigates this account promptly.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I paid my mortgage XX/XX/XXXX Friday XXXX & XX/XX/XXXX Friday XXXX via XXXX XXXX Rushmore Loan Mgmt states they did not receive the payments until the XX/XX/XXXX of the month I called Rushmore and they said I would have to send a letter about the payments via Fax only. XXXX XXXX is not a bank and the payment are transmitted immediately up until midnight the same day. 
The customer service dept is off shore - meaning possibly the XXXX XXXX The recent letter said I could be in default for less than {$200.00} is appalling when I also called Customer Service during the XXXX County wildfires in XX/XX/XXXX and the so called Customer Service said they could not assist with my hold of making a payment until XX/XX/XXXX which would then create a late charge.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-06
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)

Good day! I am requesting for your assistance regarding with these wrong reported accounts on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and update the accounts listed below XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX Balance {$16000.00}
Consumer complaint received 2021-10-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Auto Finance (VA)

This company listed an account on my credit report that I never had with them. I never had a an account with them nor have i signed any contracts with them at all. They are illegally reporting an account that I did not authorize the opening of. This is identity theft, I have never had any accounts with this company.
Consumer complaint received 2024-07-02
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. (MA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing account # XXXX that I owe {$4400.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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'm resubmitting my dispute letter due to lack of resolutions or actions. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-06
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. (MI)

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified by the XXXX credit bureaus ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$700.00}
Consumer complaint received 2024-07-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX Date : XXXX To : TransUnion Subject : Formal Dispute and Complaint - Violations of the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally dispute the inaccurate and erroneous information that you are currently reporting on my credit report and to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX Account Number : XXXX Account Status : Closed Original Creditor : XXXX Balance : {$84.00} Date Opened : XX/XX/year> Status : Account charged off. 
XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : Closed Age of Account : 2 months Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B : Blocking Information Resulting from Identity Theft Violation : Despite submitting an FTC Identity Theft Report, a police report, and my verification documents ( drivers license and Social Security card ), TransUnion failed to block the disputed information within four business days as required by FCRA 605B.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer as a result of the failure, punitive damages, and attorneys fees. 

2. Section 611 : Procedure in Case of Disputed Accuracy Violation : Upon receiving my dispute, TransUnion did not conduct a proper reinvestigation of the disputed information within 30 days, as mandated by FCRA 611. Instead, TransUnion continued to report the inaccurate information despite clear evidence of identity theft. 
Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

3. Double Reporting of the Same Debt Violation : TransUnion is currently reporting both the original XXXX account and the new XXXX XXXX XXXX collection account for the same debt. This constitutes misleading and unfair reporting, causing undue harm to my credit score. 
Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

Requested Action : I request that TransUnion take the following actions immediately : 1. Block and remove the XXXX account ( Account Number : XXXX ) from my credit report as per FCRA 605B.

2. Remove the XXXX XXXX XXXX collection account ( Account Number : XXXX XXXX ) from my credit report as it is the same debt as the disputed XXXX account XXXX 
3. Provide written confirmation that these accounts have been removed from my credit report. 

Failure to comply with these requests will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal advice regarding potential damages for these violations. 

Sincerely, XXXX XXXX XXXX