davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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)

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with The Fair Credit Report Act, Public law XXXX, XXXX VI, Section XXXX. 
Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-14
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)

Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX of Bro Date of XXXX Unathorized inquiry XXXXXXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Dealer Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX XXXX  Account XXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX  Account XXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly XXXX 
Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this XXXX payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment XXXX is a violation. I Have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " to paid '' Under15 USC this late payment entry XXXX a violation.I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid time '' This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated XXXX  Account XXXX This Account needs to be valited XXXX XXXX Account XXXX This account needs to be validated XXXX Account XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-15
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 2024-06-14
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. (TX)

I have identified these items on my report that are related to identity theft. These items are not related to any transactions completed by me. These hard inquiries listed from : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-06-15
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)

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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in MONTHS REPORTING LATE to be removed.

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.

This company 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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-07
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-14
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)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-14
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)

My Rights Regarding Credit Reporting PAY ATTENTION : REPS OF XXXX TRANSUNION AND XXXX use common sense, Look at your respective letter attached with your company at the top. if you look at another bureaus letter the only reason you should be is comparing the shared info that was furnished. Let 's get this right guys. I need better scores to refinance my vehicle and your lack of reporting correctly is preventing that! 


I am concerned that my private information is being shared by [ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ] and credit bureaus Transunion XXXX and XXXX without my proper consent. 

These inquiries are a product of identity theft if they aren't tied to an account, because I don't apply for anything. 

Here 's a breakdown of my rights based on the laws that have been violated in which I could use for each violation Fair Credit Reporting Act ( FCRA ) : You have the right to ensure accurate information is reported. ( 15 USC 1681c ) Credit bureaus can only share information with authorized parties with a legitimate purpose. ( 15 USC 1681b ) You can dispute any inaccurate information in your report. ( 15 USC 1681s-2 ) You can request a free credit report annually. ( https : //www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act ) Gramm-Leach-Bailey Act ( GLBA ) : Financial institutions must protect your nonpublic personal information and obtain your consent before sharing it with third parties. ( 15 USC 6801 & 6802 )
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

In 2013 I applied for a student Visa card from Capitol One. The limit was {$300.00}. I called and told them my card was lost and I needed a replacement. I never recieved it so I didn't think twice about it until years later this portfolio recovery company was calling me and my mother and sending letter. I disputed it at that time. They denied my dispute. I even filed an identity theft claim with the ftc. My ex- roommate stole my identity. Now it's 10 years later and it's still giving me a low credit score!
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-14
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 a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX ) XXXX XXXX : # XXXX, XXXX ) XXXX XXXX : # XXXX XXXX ) XXXX XXXX XXXX # XXXXXX***********, Has violated my rights. 15 USC 1681 section 602a States I have rights to privacy. 15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 15 USC 1681 s-2 ( a ) ( 1 ) a person should 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. 15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (KS)

Below is a copy of an email sent to nearly 40 email addresses of executives, various departments, and authorities in the hopes to escalate resolution to the issue I am facing ; that is, a check from my employer being withheld/and or refusal to verify my employers account that is with XXXX XXXX XXXXXXXX XXXX XXXX For the record, I bank with Wells Fargo ; the check is from XXXX XXXX XXXX XXXX  Wells Fargo has assured me that XXXX refused payment/ would not verify my employers account and send funds made to me by their check, the morning after I deposited it. Below is a quote of the email I sent, and attached is the check itself, and my state DL as well as XXXX XXXXXXXX Badge. Hello, my name is XXXX XXXX and I am a new XXXX employee. I deposited a check via mobile deposit into my Wells Fargo account yesterday afternoon that was issued to me from my employer, XXXX XXXX XXXX XXXX XXXX by your bank. I tried to cash it at XXXX since I do not have a brick and mortar bank relationship status since moving back to KS. They tried to run it twice and said it was denied. So I turned to Wells Fargo- they credited me {$400.00}, and was to deposit the rest this morning. I woke up to an overdrawn bank account. Their position is that XXXX XXXX XXXXXXXX XXXX  wont release my travel reimbursement check to my account. I need to eat. This is unacceptable, and I will not wait 10 for you to release me my paycheck. What kind of Bank doesnt back the XXXX XXXX checks? Especially one paid to an employee. Im sure this is unlawful, its certainly unruly- and I will be contacting an attorney on this matter. I have spoken to everyone I can today at PO and they just look at me like, What happened? UPDATE : Is this really where we are at? Are you really the type of bank that refuses to verify or acknowledge a XXXX workers paycheck from the XXXX XXXX with ZERO explanation? This is unacceptable. I have a right to be paid for my labor. Verify my employer 's account and release the funds made to me- To my Wells Fargo account. Consider this a final notice before my legal counsel files a complaint. CC : Consumer Financial Protection Bureau, Federal Trade Commission, XXXX XXXX Kansas Attorney General
Consumer complaint received 2024-06-14
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-03-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Seattle Service Bureau, Inc (LA)

In XXXX of 2022, I started working for this company called XXXX. It's a company that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm an XXXX XXXXXXXX with this company that XXXX XXXX XXXX XXXX XXXX XXXX About a week after I started working, I was in a car accident in Texas. The accident damaged the driver 's side mirrors on mine and the other vehicle. I notified the company 's claims department that informed me that it'll be taken care of. 

Sometime last week, I received this letter in the mail. It states that XXXX XXXX sent this claim to their collections department and threatens to have my driver 's license suspended until its paid. This is the first time I'm hearing about this and why wasn't it sent to XXXXXXXX XXXX Claims Department instead of me? So far, I haven't paid it nor have my license been suspended.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and apr XXXX to be removed. 

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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-06
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: Experian Information Solutions Inc. (FL)

This account was open sometime last year ( 2023 ) around XXXX or XXXX using my identity without my authorization. I only found out about it because I received a bill statement in the mail around XXXX or XXXX. I have been disputing this account from day one with the credit card issuer and the company that sells the purchased item ( s ). The credit card company ( XXXX XXXX ) claims that the account is legitimate and I told them that's impossible because I never requested it. They claimed to have a purchase receipt and delivery ticket. Upon requesting those documents, I discovered that the account was opened online and the alleged delivery ticket was by pure coincidence not signed by anyone or at least not me. The unknown subjects purchased some type of gym equipment that supposably was delivered to my old home address and left outside. When or who would deliver something of so much value outside a house without having someone taking possession of it? Everything was impossible because there are always someone at home since I'm a XXXX veteran who's always home with my wife and in laws.