davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. 

It boggles my mind that your bureau continues to dismiss the validity of my identity theft claim, leaving me in a state of perpetual frustration. I came to you seeking assistance and justice, but instead, I've encountered red tape and inaction. 

I demand immediate attention to my identity theft disputes. The sluggish response and repeated denials have only added to my distress and frustration. My life has been significantly affected, and it's high time you recognize the gravity of the situation. 

I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. 

XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

XXXX two fraudulent Wells Fargo credit accounts where created and disclosed to consumers reporting agencies. I called Wells Fargo who was unwilling to assist with the matter. I also requested the reporting agencies remove these accounts from my consumer reports as well as inaccurate information regarding employment and residence. The consumer reporting agencies also were unwilling to remove the fraudulent claims. According to 15usc 6801 failure to report accurate and correct information. And also disclosure of false personal data and false information.
Consumer complaint received 2023-12-12
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Consumer complaint received 2023-03-11
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: Army and Air Force Exchange Service (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. I expect your thorough investigation into these matters and request confirmation of the removal of these accounts from my credit report. Kindly provide any supporting documentation used to validate these debts. 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 Also, This serves as my final communication before pursuing legal action against your non-compliant company. Please be aware that my intention is genuine, and I am fully prepared to take legal measures to protect my rights as a consumer. To potentially resolve this matter without legal proceedings, I am once again outlining the inquiries in question for your attention. Complying with FCRA regulations, I request an investigation into the following : XXXX XXXX XXXXXX/XX/2023 and XXXX XXXX XXXXXX/XX/2023. Attempts to contact these companies independently have been unproductive. The provided phone numbers on my credit report are inaccurate, and those companies I managed to reach have no record of my existence. This raises serious questions about the permissible business purpose behind these credit inquiries.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My personal information is not correct at all. I have filed a FTC report for Identity theft and would like this information to be removed from all 3 credit agencies. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 



Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-06-05
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. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-12-12
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. (CO)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Monday, XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required Dear Consumer Financial Protection Bureau XXXX I am writing to follow up on opt-out letters dated both XX/XX/XXXX and XX/XX/2023, in which I formally exercised my right to opt out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to XXXX, XXXX, and TransUnion XXXX This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, XXXX, XXXX, and TransUnion have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that XXXX, XXXX XXXX and TransUnion take immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The website XXXX is stating that I received my credit reports which is fraudulant due to the inoperable website. There is no way to contact the website owners to get my reports. The website simply times out with gateway errors and I can not see my reports.
Consumer complaint received 2023-12-12
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. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and i haven't received anything. I did my research on the laws and in section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2024-06-05
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. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX I filed a dispute with Transunion and I was informed that the dispute was completed and it appeared to have changed in my favor. However the day I was notified that the dispute was closed my score went down XXXX points. When I called Transunion I spoke to a XXXX who upon taking my information all of a sudden went silent. I asked if she was there and of course the line was dead. I then called back spoke to XXXX went through everything and still could not get a direct answer, when asked for a supervisor he transferred me right back to himself and stated his name was XXXX which is a coincidence and he kept going around and around never answering why and gave me a wrong file number from the dispute. I am furious I am being given wrong information and I need someone to help me make sense of what happened and what could have changed the score XXXX points when nothing in my life changed that significantly. I asked for a XXXX he said he was the highest level there was and I am really upset to be treated like this. I understand the bankruptcty in XXXX XXXX left a negatice impact on m report but now I am being told it has a negative impact twice for the sane thing. XXXX kept trying to make me purchase XXXX credit report and basically would not work with me and my request to have a XXXX to talk to or a higher level of support.
Consumer complaint received 2023-12-12
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 am writing to express my frustration and dissatisfaction with the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple attempts to dispute and remove these inaccuracies, my efforts have not yielded the desired results, and the fraudulent items continue to adversely affect my credit standing. 

I have diligently followed the dispute process by submitting multiple letters and supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud. However, despite these efforts, the fraudulent items persist on my credit report. 

I demand that you conduct a thorough and immediate investigation into these matters and take prompt action to remove the fraudulent entries from my credit report. This situation has caused significant distress and has a severe impact on my financial well-being. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} XXXX XXXX XXXX, XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance {$130.00}.
Consumer complaint received 2024-07-13
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. (KY)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-12-12
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. (WI)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  fraudulent accounts has been reporting under my name with experian and XXXX, i have disputed and this account was removed from my credit file, but again was placed back under my name, this is a fraud and inaccurate account reporting under my name, i have a police report that i had been victim of ID theft, i will be attaching the paperwork to this complaint, please find attached. 
thank you
Consumer complaint received 2023-12-12
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. (AZ)

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.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 To Management Named As XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report in XX/XX/2023. 

I demand under FCRA : Section XXXX : XXXX. Permissible Purpose XXXX. My written authorization XXXX. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action. 
Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-12
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system