davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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)

Upon reviewing my credit reports from XXXX, XXXX, and TransUnion, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX has reported as a collections account. However, when researching XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found that they do not hold the required Third Party Debt Collector license from the Texas Office of Consumer Credit Commissioner as mandated by Texas Finance Code Chapter XXXX for debt collectors operating in the state of Texas XXXX 

As I am a rXXXX XXXX XXXX, any debt collection activity conducted in my state of residence must be done by properly state-licensed collectors according to the Texas Debt Collection Act. Since XXXX XXXX XXXX XXXX XXXX XXXX lacks the required state debt collections licensure in Texas XXXX I formally dispute this tradeline on my credit report and request that it immediately be removed. Reporting of illegitimate, disputed or inaccurate information to credit reporting agencies violates federal law, specifically the Fair Credit Reporting Act. 

Please investigate this disputed account from XXXX XXXX XXXX XXXX XXXX XXXX and remove it from my credit files immediately due to the lack of proper state licensure.
Consumer complaint received 2024-01-22
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. (GA)

Unauthorized hard inquiries! 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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)

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 2023-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-05-09
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting incorrect information on my report and I have repeatedly requested that they remove it. They are reporting the following incorrect addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-05-06
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. (NV)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure that my nonpublic personal information isn't shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  the financial institution and the Consumer reporting agencies TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.
Consumer complaint received 2023-09-01
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)

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nu 1 ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,
Consumer complaint received 2024-05-06
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. (GA)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/, I submitted a dispute to your agency regarding the accuracy of the information reported on my credit file for the account mentioned above. Under FCRA 611 ( a ) ( 1 ) ( A ), I understand that you are required to conduct a reasonable re-investigation and correct any inaccuracies within 30 days of receiving my dispute. 

It has come to my attention that more than 30 days have passed since my initial dispute was received by your agency, and I have not received any communication regarding the status or resolution of my dispute. This prolonged delay is in direct violation of the FCRA 's requirements, specifically FCRA 611 ( a ) ( 1 ) ( B ), which states that : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the dispute is directly conveyed to the agency by the consumer, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ... '' due to this reinvestigation proceeding 30 days and violating my consumer rights delete this account immediately and send me a written update of my consumer report by mail which is required by law. I understand the importance of maintaining accurate credit reports, and I believe that this matter should be resolved promptly and in accordance with the FCRA. Failure to do so may result in legal action being pursued to protect my rights under the FCRA. 

Please treat this dispute with the utmost urgency and provide a written response within 15 days of receiving this response, as required by the FCRA. Your immediate attention to this matter is appreciated.
Consumer complaint received 2022-11-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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. (MD)

I disputed XXXX being in my report file and Experian on XX/XX/2022 and they reported that it was verified on XX/XX/2022. I was never given an explanation as to how it was verified. It continues to tarnish my credit report. XXXX nor XXXX is reporting this item on my report. I feel as though this is DEFAMATION of CHARACTER. If Experian can not show proof of this account, i am demanding that it be removed. 

Also, they updated information that was not part of my dispute. 

Report # XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I have spent the last six months trying to get my legal name reported on my credit file and these credit bureaus aren't doing anything. There are so many AKA 's listed. I have requested them to remove and after four disputes I got nowhere. Please help
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX there was a letter sent to Transunion asking them to verify what I believe to be incorrect information reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022 i received a call fro Bank Of America ( it said bank of america on my caller ID and was associated with the phone reflected the same number as bank of america. The person who called me said they were with Bank Of America fraud protection services and gave his badge and ID # an stated that there had been fraud on my account. I was out of town at the time, so I thought that this could have happened being that I was out the previous night. He said whoever committed the fraud had tried to take money from my XXXX account that was connected to my B of A account. They told me that the only way to reverse this and for it to be documented as fraud was to accept the payment requests ( yes multiple ) from the person who requested the money in my XXXX account and then it would immediately be marked as fraud and be returned to me. I asked who the person was that was requesting the money and i was told that it was his manager at Bank of America. I was a bit skeptical so I looked the so called manager up on XXXX and they had a ( what I now know was fake ) linkedin profile that said she was a Bank of America manager. I did what I was told and as I was doing this my friend, who i was with at the time and is a lawyer asked me what he heck i was doing. I explained the situation to him and he said YOU ARE GETTING SCAMMED! he immediately hung up on the person and told me to call XXXX and bank of america to report it as fraud. I immediately called both bank of america and paypal. Since then, I have called bank of america oer XXXX times, XXXX over 100 times, filed a police report, visited 4 bank of america in person locations, and spent over 43 hours on the phone with both bank of america and paypal. Bank of america said that this was extremely important to them, and they would resolve it immediately and that was over a month ago. XXXX is now coming after me for XXXX and the scammer got XXXX from me and I have not gotten a XXXX back from bank of america.
Consumer complaint received 2024-05-06
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, and XXXX XXXX Account # 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 instruction. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX I bought a pair of shoes from XXXX for XXXX on my XXXXcomenity bank credit card which i get a bill the next month XXXX and i paid that out of my XXXX XXXX account. I get a bill in XXXX that states that XXXX/comenity owes me XXXX and i thought that was odd but did nothing then i get another bill in XXXX stating i owe XXXX so i called XXXX and they told me to call comenity bank and i did which told me they gave me back in my XXXX XXXX account XXXX so i looked at my XXXX XXXX account and see comenity has never put any money in my XXXX  account. I call comenity again and they keep saying I owe them so i started a dispute with comenity bank which seems it's going nowhere I've called them many time in the last couple months and I've sent them copies of my bank statements .I 've even had my XXXX XXXX bank manager call them which he helped me start a dispute with them against comenity on XX/XX/XXXX that goes for 10 days .And now it's affecting my credit score and i'm very upset about that. please help me