davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NC)

Ive recently received a copy of my credit report and Ive noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and XXXX XXXX.
Consumer complaint received 2024-06-07
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
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. (TX)

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 2024-06-07
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. (CA)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XX/XX/XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-07
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. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 2024-06-06
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. (OH)

I am writing to file a formal complaint regarding a persistent issue of identity theft and the subsequent mishandling of dispute letters by XXXX, TransUnion, and XXXX, the major consumer reporting agencies. Despite consistent efforts on my part to rectify the situation, these agencies have failed to comply with the codes and regulations outlined for consumer reports. 

Since XX/XX/year>, I have diligently sent dispute letters to XXXX, TransUnion, and XXXX every 30 days, as per the established procedures for addressing identity theft and inaccuracies on consumer reports. Despite these repeated attempts to rectify the situation, I have encountered significant obstacles in receiving the appropriate response and resolution. 

The identity theft I have experienced has not only posed a threat to my financial security but has also resulted in considerable stress and inconvenience as I strive to restore my credit and personal information. Despite my proactive approach in contacting the consumer reporting agencies and providing ample documentation to support my claims of identity theft, the response has been insufficient and non-compliant with the regulations set forth by the Consumer Financial Protection Bureau. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX, TransUnion, and XXXX adhere to the established codes and regulations governing consumer reports. It is imperative that steps are taken to rectify the inaccuracies on my consumer report promptly and provide the necessary support to address the ongoing issue of identity theft. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this dispute.
Consumer complaint received 2024-06-07
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. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2024-06-07
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1600.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2018-06-27
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: Fidelity National Information Services, Inc. (FNIS) (IL)

Chex Systems received my dispute letter on the following dates according to returned receipts : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

Chex Systems continues to report unverified accounts and inaccurate information. 

Chex Systems has not provided this consumer with the information of How these accounts were verified as accurate by virtue of proper documentation containing my signature binding me any these negative accounts and debts owed. 

Chex Systems is Now is violation of the FCRA and continues to be in noncompliance.
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. (FL)

My account with all the companies that I included on the document 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 the months that I was 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.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AK)

I refinanced my house back in XX/XX/XXXX - because of the XXXX I needed PMI. My PMI was set to automatically terminate at 78 percent of the original loan value and I could request at 80 percent. Back in XX/XX/XXXX I sent to Nationstar who had recently purchased my mortgage a request, along with a copy of my PMI notice and the schedule. They ignored this letter. In XXXX I sent XXXX pointing out that I had reached the mandatory cancellation. They ignored that and took out PMI. I contacted them, there response was to say that I am at XXXX XXXX, which I am not. They have provided me no proof of their assertions, even though I have provided them with the attached.
Consumer complaint received 2024-06-07
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. (TX)

I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? Please investigate properly and correct them from my personal credit file : XXXX XXXX Balance : {$330.00} ; XXXX  XXXX XXXX Balance : {$49000.00}.
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. (GA)

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 2023-05-31
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. (AZ)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-06-07
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)

After sending out a letter and complying with FCRA 605B guidelines to TransUnion they have responded with a letter stating they have removed the 27 inquiries only to have them on the credit report. This is the reason why my attorney has been assigned to sue the credit report agency for failing to comply with the federal law and for failing to remove the 27 inquiries that are fraudulent.

They have also failed to provide any training to the fraud department. Im sending you the complaint so that you have the information documented. 

When my attorney files a lawsuit against you for my personal injury in losses of XXXX because I am not able to secure capital to grow my business or operate my business. Not to mention pain and suffering from XXXX and anxiety and XXXX from the stress of not having enough XXXX  to support my family financially. You have no right to have that much control of someone elses destiny especially when you are in the wrong side of the law. Even if you are to remove the inquires from the file. The past year has been very difficult for me and my family along with my ministry. I want you to know how much you cost me and my family. 


You have failed me as a victim and you deserve to be held accountable for my financial losses and suffering that you have caused me and my family. 

I am sending you this letter so that you are not confused about the lawsuit against you that my attorney has filed. You will receive notification of this matter within a week. Personally I am wanting to take this matter to trial to ensure that this matter is not effecting any other victims of fraud and identity theft.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Denial of Credit Request Under UCC 2-325 Dear To whom it may concern, OPPORTUNITY TO CURE 2ND ATTEMPT I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent denial of my request for a " Confirmed Credit '' under UCC 2-325.

I submitted my request for a " Confirmed Credit '' with the understanding that it met the necessary criteria and requirements, as specified under the Uniform Commercial Code ( UCC ) 2-325, which pertains to " Letter of Credit. '' It is with great disappointment that I received a denial for my application, as I believed it to be compliant with the relevant provisions.

I kindly request that you provide me with detailed information regarding the reasons for this denial. It is of utmost importance to me to understand the specific aspects of my request that did not align with the requirements of UCC 2-325. This transparency will allow me to rectify any issues and reapply accordingly.

As a conscientious business partner, I am committed to adhering to the established legal and financial standards set forth under the Uniform Commercial Code. I firmly believe that my application met these standards and should not have been denied. Your feedback on the reasons for this denial will be instrumental in ensuring my future applications are in compliance with the relevant regulations.

I kindly request that you provide a written response within a reasonable timeframe, outlining the specific reasons for the denial and any steps I can take to rectify the situation. Additionally, if there are any specific requirements or documentation I should provide in a revised application, please inform me so that I can address them promptly.

Thank you for your immediate attention to this matter. I look forward to receiving your response and working together to ensure that future requests for " Confirmed Credit '' are handled in accordance with UCC 2-325. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (MD)

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. 


XXXX  XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX File Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to dispute several inaccurate accounts on my credit file. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( a ) of the FCRA you are required to PROMPTLY DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681eb, every single one, even each, any, or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act 609 ( A ) ( 1 ) ( a ), you are required by federal law to verifythrough physical verificationof the original signed contract of these accounts with my wet signature. I am distressed that you have included invalid information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the information you report to credit bureaus. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to a debt collector reporting information in my name to the consumer reporting agencies.

I demand to see a verified proof of these negative claims and remove the negative information from my report as soon as possible. After doing so, provide me with an updated credit report reflecting the changes. Under the FCRA, you have exactly and no more than 30 days to do so. Failing this, the item must be deleted from my report as soon as possible. If you do not delete, I will sue everyone involved immediately.

Account Name : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1200.00} Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$1500.00} Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Balance : {$1500.00}
Consumer complaint received 2024-06-07
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. (AZ)

In reviewing my consumer report, I discovered that it contains information that does not belong to me. Specifically, there are accounts and personal information that I have never authorized or opened, indicating possible identity theft or an error. I immediately contacted the Credit Reporting Agencies ( CRA ) to address this issue and requested all relevant information and documentation regarding these accounts. Despite my efforts, the CRA has failed to provide the requested information, leaving these incorrect entries unresolved on my report. This has negatively impacted my credit score and caused significant XXXX. I am reaching out to you because of violations under 15 U.S. Code 1681n and 15 U.S. Code 1681o.
Consumer complaint received 2024-06-06
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)

I checked my credit profile and came across inquiries that do not belong to me. On XX/XX/2024 I checked my report and noticed an inquiry from XXXX XXXX XXXX that i did not request.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!