davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-14
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (VA)

I have been in the dispute process with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for months. Initially I began my disputes with detailed letters explaining several FCRA violations that XXXX is in violation of and how the most important one according to " XXXX XXXX XXXX ( REGULATION V ) ''. In addition to several other FCRA law violations that XXXX XXXX XXXX is in violation of the one I am bringing up is the consumer right to " opt-out ''. I was never provided any opportunity to opt out of public information sharing or third party information sharing by the creditor XXXX XXXX XXXX. I sent them several letters explaining this law and they refused to acknowledge their violations and the breach of consumer privacy. Furthermore they sent me a copy of a contract of which I reviewed and yet there still was not any opt out form or any form bearing my wet ink signature, XXXX XXXX XXXX wet ink signature, or any third party non-affiliate signature allowing my personal private information to be shared. After recognizing letters were not working I began disputes with XXXX directly. Since XXXX of 2024 until current all my disputes have been verified as accurate. I even filed a FTC identity theft report and the account still got verified as accurate. On XX/XX/year> I called XXXX directly specifically the fraud department and asked how is this account being verified as accurate and what paperwork or documents are being provided to you all to verify the account. To my dismay the representative responded and said they do not conduct an investigation, that they send the request to the creditor and the creditor has XXXX days to respond. I asked how can you all report an account that impacts my personal life when you all do not review any documentation or contracts and verify that it coincides with federal law. I was told that everything is through the creditor. I requested to speak with an XXXX XXXX XXXX with whom they connected me to a woman by the name of " XXXX ''. I asked the same information, she very dismissively stated the same as the representative had before and claimed XXXX does not conduct any investigations nor reviews documents or contracts for validity in accordance to FCRA law but pretty much they just take the creditors word for it and reports anything. This has caused me emotional and financial strain as it has impacted my credit score, opportunities to obtain credit, jobs and more. XXXX XXXX XXXX is creating deceptive contracts and violating FCRA and consumer privacy laws as is XXXX XXXX XXXX.
Consumer complaint received 2023-11-14
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. (MI)

I am writing to formally request the immediate removal of inaccurate late payment entries appearing on my credit report. As a consumer, I have rights protected under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ), which I believe have been violated in this case.

Under 15 USC 1681, Section 604 ( 2 ), my right to privacy appears to have been contravened, given that these late payment entries have been reported without my express written permission. Additionally, 15 USC 1666b states that all, requisite conditions must be met for a payment to be deemed late. I hold that these requirements have not been adhered to in my situation.

Consequently, I am formally requesting the immediate removal of all cited late payment entries from my credit report. Failure to rectify this situation may result in legal action on my part. Furthermore, I reserve the right to increase the demand I anticipate a response within 30 days of this letter 's receipt, confirming the removal of these late payment entries from my credit report. Further non-compliance will leave me with no option but to pursue legal redress. 

Thank you for your prompt attention to this issue. I trust that you will take the necessary steps to correct these inaccuracies. These matters will also be reported to the State legislature, the Attorney General 's office, and the office of the Ombudsman. 




Each and every late payment that has been reported should be removed from my credit report upon receipt of this letter. 
I have previously issued notices regarding this matter and the illegal credit transactions appearing on my report. Non-compliance with this request will push me to take legal action against all the parties involved. 
XXXX XXXX 2 illegal late payments, XXXX Balance {$13000.00} XXXX 2 late payments, account : XXXX Balance {$13000.00} XXXX  1 late payment account XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments of {$9800.00} XXXX XXXX illegal 1 late payment of {$3300.00} XXXX XXXX illegal 1 late payment paid off closed XXXX 1 illegal late payment paid off closed XXXX XXXX XXXX 1 late illegal payment account XXXX {$5400.00} I have attached my letters for your review
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

This is my fourth attempt to inform you that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 an account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX as I do not have a contract with XXXX XXXX XXXX. They did not provide the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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 an account without my written instructions. 

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Removal of Fraud alert and Removal of personal statement. 

Please accept this as a former request to remove both my Fraud alert and Personal statement from my credit report as I have had the opportunity to get a better handle on my credit affairs.
Consumer complaint received 2023-03-19
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. (MD)

XXXX XXXX XXXX has illegally reported a total count of nine late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2024-04-12
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. 
Account name : XXXXXXXX XXXX XXXX  Account Ending : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 2023-08-04
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (NY)

On XXXX XXXX Account NamXXXX XXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-07-10
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. (CT)

I reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( XXXX yrs autopay ) Thank you
Consumer complaint received 2023-11-14
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 sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to request a free copy of my TransUnion credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). I was recently denied credit on XX/XX/2024 by XXXX. 

According to the FCRA, I am entitled to one free copy of my credit report from each of the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ) within 60 days of receiving an adverse action notice, such as a credit denial.
Consumer complaint received 2024-04-12
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'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-11-14
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

Ive ask many times the creditors to provide me with proof and documentation that my account that they report on my credit report is XXXX accurate, according to my knowledge its not even 80 % accurate, Ive ask them many time to proof me and send me documentation and they did never, according to the counsumer law in credit reporting, they need to remove this account from my report since they didnt provide me documentation and its not accurate, pls take this seriously and remove it from my report!!!!!!!!
Consumer complaint received 2024-04-12
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. (AZ)

Remove all ID THEFT FRAUD inquires related to these accounts per FCRA : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ID fraud accounts to be removed : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, FTC ID THEFT REPORT and validation attached.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint against XXXX, TransUnion, and XXXX regarding their continuous failure to protect my privacy and their alleged failure to maintain reasonable procedures to ensure the highest level of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to address concerns and rectify inaccuracies in my credit reports, I have encountered ongoing issues with these consumer reporting agencies. The repeated instances of privacy breaches and inaccurate reporting have had a severe impact on my financial well-being, causing undue stress and frustration. Furthermore, their alleged failure to validate their method of verification raises significant concerns about the integrity and reliability of the information they provide. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action to address the failure of XXXX, TransUnion, and XXXX to protect consumer privacy and maintain accurate credit reporting practices.
Consumer complaint received 2023-11-13
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. (OK)

From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my Transunion, XXXX and XXXX credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed immediately.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Was given a loan Deferment by XXXXXXXX XXXX XXXXXXXX on XX/XX/23. 
They told me that this would not affect my credit and since they were only moving payments to the end of the loan and not writing anything off, that those payments that were moved to the end of the loan would show current. 
They have reported those payments that they Deferred as late and have not responded to my request for them to be removed as late as per the CARES Act and as they indicated that they would.