davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania Date of Birth XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom it May Concern : I received a copy of my credit report recently due to curiosity of what exactly is holding me back from reaching a better credit score and come to find out there are a number inaccuracies on my credit report. These inaccuracies are taking a toll on my lively hood, preventing me from bettering the life of myself and my family. 

1. After doing research for myself I demand these accounts be removed immdeitly and treated as an exigent situation. This is a violation under 15 U.S.C 1681 e whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. 

Account Number : XXXX XXXX is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account NumbersXXXX XXXX XXXX is in violation of 15 U.S.C 1681 e please delete immediately Account NumberXXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX XXXX XXXX is in violation of XXXX XXXX XXXX XXXX please delete immediately Account Number : XXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account Number:XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number:XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately By the provisions of the Fair Credit Reporting Act, I order that these accounts be investigated and removed from my report. From my apprehension you will recheck these following items with creditors who has posted them. Please remove any information that the creditor can not authenticate. I understand that under 15 U.S.C sec. 1681 I ( a ) you must complete this investigation within 30 days of receiving this letter Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to any person who received my credit report in past XXXX mounths. 


Sincerrely, Signature XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  IS REPORTING INACCURACIES ON MY CREDIT REPORT!!! The original issue I had with XXXX XXXX  is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. The account was removed from XXXX but still listed on both XXXX and Transunion. I am demanding that XXXX XXXX  and all three credit bureaus remove this debt immediately or I will take further actions against them and their business practices.
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

I have an Express credit card from Comenity Bank. I have never bee late on the account. I hardly use the card as I dont shop often. Today I tried to use it for two items and showed can not complete the transaction with the payment choice. Upon calling the customer service, I found out through an automated message that my account was closed and it said " account closed can not be reopened '' and hangs up on me. Not even a way to talk to any one. 
I have never been late, hardly use more than 10-15 % of my credit line. I never closed the account. they just did it without my consent.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 items ( A ). It is not permitted to report these items 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 removal due to inaccurate reporting in my file. 
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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

COMENITY BANK IS REPORTING INACCURACIES ON MY CREDIT REPORT!!! The original issue I had with Comenity Bank is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. The account was removed from XXXX but still listed on both XXXX and XXXX. I am demanding that Comenity Bank and all three credit bureaus remove this debt immediately or I will take further actions against them and their business practices.
Consumer complaint received 2024-05-02
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. (MI)

I am reaching out once again to follow up and seek resolution on fraudulent activities that have adversely affected my credit report. After filing an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. As stipulated by the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies ( CRAs ) must remove any fraudulent entries documented in an identity theft report. My report 's reference number is XXXX. Enclosed, please find the necessary documents aimed at facilitating the removal of inaccuracies, specifically erroneous personal information and inquiries falsely associated with my credit report. Below is a detailed list of these unauthorized items, categorized by credit bureau : XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ======XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XX/XX/XXXX XXXXTRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), I request the immediate removal of these items, as they are the result of identity theft. This request is made within the rights provided by federal law, expecting action no later than four business days from the date of this notice.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-19
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (AR)

XXXX, low income college student financed tires through XXXX. Was paying the tires off with regular on time payments and knew interest would come after 3 months. When the 3 months was up, I was shocked to find out I was being charged 179 % APR which is illegal in my state. Again I am young, inexperienced with debt, and low income. I do feel I have fallen victim to predatory loaning. They won't stop calling me either ( of course ). I have paid off the tires a time and a half now and still owe more than the amount the tires originally cost.
Consumer complaint received 2024-11-19
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)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. I understand that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-11-03
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. (FL)

I am writing to report that I am a victim of identity theft following a data breach that compromised my personal information. As a result, fraudulent accounts and credit inquiries were made in my name without my authorization. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I respectfully request the immediate blocking and permanent deletion of the following accounts and inquiries from my credit report. 
XXXX Accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$3200.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$14000.00} Fraudulent Credit Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2024-05-02
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 am writing to file a formal dispute regarding the inaccurate reporting of an unpaid charge off on my credit report by TransUnion. According to the Internal Revenue Service ( IRS ), an unpaid charge off is considered income, and as per the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. It has come to my attention that this account is now listed as a collection, further exacerbating the inaccuracies in reporting. 

I hereby request a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX XXXXXXXX for the following charged off account : Original Creditor : XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/2021 Balance : {$730.00} Upon reviewing my credit report, it is evident that this account was purchased by XXXX XXXX XXXX and is now reported as a collection item. However, this reporting is in violation of the FCRA guidelines, as income can not be reported on a credit report. 

I am requesting that TransUnion conducts a reinvestigation into this matter promptly and provides me with a resolution within the legally mandated 15-day period. Additionally, I insist that TransUnion ceases reporting on this inaccurate account and proceeds with its deletion from my credit report.
Consumer complaint received 2024-05-02
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. 

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 2024-01-12
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. (NY)

XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXX Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX XXXX This is not mine 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 XXXXXXXX
Consumer complaint received 2024-05-02
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)

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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, I applied for a loan with XXXX ( XXXX no. XXXX ) in the amount of {$370.00} to cover dental work at XXXX XXXX. The down payment was {$370.00}. However, a second loan was erroneously opened on XX/XX/XXXX, for the same services, requiring a down payment of {$130.00}, which XXXX XXXX had erroneously opened for the same services. This was during my XXXX ever visit to XXXX XXXX at which time I expected to start my first dental visit, rather than be led to her office, instead. When I brought it to her attention at that moment, she never made any attempt to explain that she had already successfully debited the {$130.00} for this erroneous agreement. She simply brushed me off, saying she'd take care of it. 

Nearing the end of paying-off my original loan with XXXX, it was during my inquiring with XXXX, XXXX agent with XXXX that XXXX was informed why I was seeing XXXX, rather than one Agreement inside my XXXX  dashboard. Before that time, it had never occurred to me to look for more than XXXX agreement. The additional XXXX XXXX showed as closed. However, XXXX only credited my bank account {$43.00} of the {$130.00} debited erroneously. XXXX advised me to reach-out to XXXX XXXX XXXX XXXX the balance of {$89.00} withheld of the {$130.00}. I did, immediately, and as always, XXXX would never return any of my calls, as I had requested. XXXX, a familiar-sounding voice, once again was whom I had asked to relate my message to XXXX for XXXX return call. I even stated that I wanted to receive a refund due me from being over-charged. 

The original loan account no. XXXX was reported to the credit bureau as having XXXX ( XXXX ) late payments beginning XXXX, XXXX of XXXX to XX/XX/XXXX, resulting in 60 days late. It was because I was trying to get clarity of the " actual loan amount '' due, now for almost two-years, because I wanted to verify, not only with XXXX, but also get verification from XXXX before XXXX payment on my loan in-full. I was seeking not only clarification, but financial restitution, as it related to the erroneous agreement and outstanding debit that XXXX owed to me. I did not trust XXXX XXXX. However, I went forth and paid {$150.00} in XXXX, and {$440.00} in XX/XX/XXXX to settle the XXXX no. XXXX with XXXX. 

In addition, yesterday, XX/XX/XXXX, since my recently updated credit report with Transunion for the first-time I recognized there are XXXX, rather than XXXX XXXX  accounts reported to Transunion, XXXX, there is a discrepancy with each loan amount reported to Transunion, and I am very suspicious to say the least that it doesn't make sense to me why that is. 

Thank you for your time and assistance, in reading my complaint.