davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with all the companies that I included on the document was never late! I have had exceptional payment history XXXX 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 2024-06-10
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)

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. Despite my repeated efforts to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my XXXX XXXX and financial standing. It is important to note that the other major credit bureaus, namely XXXX and Transunion, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. Kindly delete the accounts below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2023-06-21
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: Bread Financial Holdings, Inc. (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 right 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 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anY purpose 15 U.S. Code 1681a - Definitions ; rules of arch construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-06-09
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. (FL)

I have requested verification in writing of the accuracy of this information for over 4 months now. All I receive is a comment stating that the info has been verified, with no details of written verification. Per 15 U.S. Code 1681s the credit reporting bureaus can not report inaccurate info! 

1. XXXX reports timely payments for XXXX, XXXX, XXXX and XXXX ; it shows it as open but is a CLOSED CARD as of XX/XX/XXXX! 
2. XXXX reports it was closed in XX/XX/XXXX 3. TransUnion shows it being closed in XX/XX/XXXX XXXX. This card was closed XX/XX/XXXX! 

Furthermore, TransUnion posts a 'Date Opened ' of XX/XX/XXXX and 150 days late, XXXX and XXXX post a Date Opened as XX/XX/XXXX and 120 days late on a card that was NEVER LATE because it was closed BEFORE the dates being reported as late! 

Dates last active, Dates of last payment are conflicting and inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please see attachment.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (TX)

Inquiry : XXXX XXXX, Experian, XX/XX/2023 I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2023. 

I never authorized such action and this constitutes a violation of my rights and should be removed.

Under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-06-09
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. (MD)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-06-10
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)

I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. I urge you to prioritize this matter and provide a written response within the legally mandated 30-days timeframe, confirming the deletion of the fraud items on my credit report. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter reaches you under favorable circumstances. I am writing to express my deep concern and frustration regarding the multiple attempts to correc the late open accounts from my credit report. Despite my continuous efforts and submissions of supporting documentation, the accounts remains on my credit reportas late payments, adversely affecting my creditworthiness. I understand the importance of a thorough investigation, and I appreciate your dedication to maintaining accurate credit reports. However, the protracted resolution of this matter is causing undue stress and financial hardship. I kindly request that you conduct a comprehensive review of my dispute and take immediate action to rectify the inaccuracies on my credit report by correcting the late open accounts. Timely resolution of this issue is crucial to my financial well-being, and I believe it is in the best interest of all parties involved to expedite this process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$15000.00}.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (MI)

Experian Credit Bureau response : Dear Valued Customer, Thank you for contacting us regarding your Experian CreditWorks membership.I appreciate having the opportunity to assist you and strive to provide you with the best customer experience possible. 

At this time, we're unable to determine the nature of your request with the information provided. I'm sorry for any confusion regarding this matter. 

Simply reply to this email with more details as to how we can assist along with additional verification requested below : The full name you used when registering for your account Your Member ID - this is a unique number that can be found in any email from Experian or by logging into your account clicking your initials in the upper right corner The email address connected to your account The phone number connected to your account We apologize for any inconvenience. Thank you for choosing Experian. 

Sincerely, XXXX XXXX. 
Your Team at Experian MY RESPONSE : I responded to your company on the website. ya 'll know exactly who I am and why i'm responding. Remove the fraud from my credit report. If you don't know who I am, you have no true accuracy or verification of nothing, so again remove unverified information or anything about me.
Consumer complaint received 2024-06-09
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. (MN)

YOU ARE REPORTING INACCURATE AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT. Delete the following inquiries asap. 


XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ) inquiry XX/XX/XXXX Delete all these fraudulent inquiries asap. I never applied for these inquiries. I never authorize these inquiries to be on my credit report. Delete asap.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Palmar, Inc. (GA)

In XXXX my information was exposed & I was receiving alerts for credit I didnt apply for. In XXXX, XXXX, XXXX & XXXX Ive reached out to all XXXX credit bureaus as well as creditors to get information deleted. They have not properly assisted me with this matter.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that was paid on time and never late. The consumer reporting agencies have need to report all information with true and complete accuratecy. This account has not been late on payments, I have attached a copy of my experian report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verifed I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-10
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : {$35000.00} XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-08
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. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XX/XX/XXXX
Consumer complaint received 2024-06-10
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)

Despite my prior seven attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. 
The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-06-09
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 below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX TransUnion : XXXX XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and 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 2024-06-09
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)

I am writing to bring to your attention a matter of significant concern regarding the handling of my credit report by the credit bureaus. Despite their assertions of conducting a thorough investigation into reported inaccuracies, it has come to my attention that such investigation was not carried out effectively. 

Upon thorough review and investigation of the supporting documents provided, including an identity theft report and attached police report, it has become evident that certain accounts have been inaccurately attributed to me. As per my rights under the law, specifically XXXX XXXX XXXX XXXX A, I request immediate action to rectify this situation. This law also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts, which I believe to be the result of identity theft, must be promptly removed from my credit report : XXXX. XXXX XXXX - Account ending in XXXX XXXX. XXXX XXXX XXXX. XXXX - Accounts ending in XXXX and XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. Possible Financial I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus conduct a thorough and proper investigation in line with the law. Your prompt attention to this issue and assistance in resolving it would be greatly appreciated. 

Thank you for your time and assistance in this matter.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ATTN : EXPERIAN TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS TRUST UNAUTHORIZED ACCOUNT READS : ALLEGED ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT AND IVE FILED An FTC REPORT XXXX UNDER OATH I HAVE NO CONTRACTS WITH THIS COMPANY AND THIS ALLEGED DEBT ALSO IF THIS WAS MY DEBT THIS COMPANY ISNT EVEN LICENSED TO COLLECT IN THE STATE OF TEXAS. ALSO I HAVE NO DEBT REPORTED WITH THE SECRETARY OF STATE WHICH IVE SUBMITTED A CERTIFIED NOTARIZED COPY .IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE ALLEGED ACCOUNTTTTTTTT IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 
SINCERELY, XXXX XXXX XXXX UCC 1-308
Consumer complaint received 2024-06-10
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 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 this account ( A ). It is not permitted to report this account 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 XXXX XXXX