davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. ()

Upon examining my credit report, I found inaccuracies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these items. Failing to validate this reported items within the legal timeframe without providing evidence is not permitted. The following items listed on my credit report require investigation and correction due to inaccurate reporting : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$41000.00} XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX Balance XXXX {$920.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$810000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$41000.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The banks sent the statements to the wrong address. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian continues to report wrong information from a collection agency. Ive submitted true copy from the courts showing the attempted debt amount is almost 3 times the amount the company requested from the courts. I also submitted proof the court did not grant a money judgement. Ive been asking for this issue to resolve for over a year. Experian also reported that this debt occurred in one month in 2023 and that incorrect.
Consumer complaint received 2024-04-26
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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 formally dispute and request the immediate removal of fraudulent accounts from my credit report. Upon reviewing my credit report, I have identified several accounts that are not valid and are the result of fraudulent activity. I am not liable for these accounts and insist that they be removed from my credit report immediately. I have already filed a report with the Federal Trade Commission ( FTC ) regarding these fraudulent accounts and have included a copy of the report for your reference. These fraudulent accounts reported on my credit report are damaging my credit score and financial reputation. 

XXXX 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 2024-04-26
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. (GA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-26
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items.

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 2024-01-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I am currently trying to make my payment Ive tried about 3-4 times I log in to make my payment. It continues to tell me the page does not exist. Im fed up with this company I would also like to know when and why did it change to Bread Financial I never once got a notice about it.

But this is what I mean about never being able to make my payments because their site is down each time.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the immediate removal of an account from my credit report that is reporting inaccurately. The account in question is with XXXX XXXX. The account has my incorrect name on their records, indicating that they have merged my information with someone else 's. Upon reviewing my credit report, I discovered that XXXX XXXX has reported an account that does not belong to me. This is a case of mistaken identity, as the account is associated with someone else who shares a similar name. This error has resulted in the inaccurate reporting of information on my credit report, which is damaging my credit standing. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (NC)

I called multiple times XX/XX/24 and was transferred to XXXX XXXX every time. I was seeking information regarding my account, I was told that until I make a payment I will not receive any information and the lowest I can put down is {$100.00}. She was very rude & while updating my information told me you dont have any real bills why cant you make higher payments. When I asked whats wrong and where the attitude was coming from she said your questions. I asked if she could help me with logging into my account on their website and was told no, I have to make a payment. A payment plan was set for the XXXX of every month. I called back to complain about my experience and was told by a senior representative that they would advise the employee and there was no one else I could talk to. I called back XX/XX/24 to make my first payment. Once it was completed I asked if she could email or send a copy of our agreement, she said I will not send anything until the complete balance is paid. I asked if I could get into my account online and she said If I need to pay I can call. I asked how would I keep track & she told me look at your bank statements. I ended the conversation.
Consumer complaint received 2024-04-26
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an 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
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. (NY)

In accordance with the fair credit Reporting act convergent Account # XXXX has violated My rights 15 u.s. c 1681 section 602 A states I have the right to privacy. 15 u.sc 1681 section 604A section 2 : it also states a consumer reporting angency can not furnish a account without My written instructions
Consumer complaint received 2024-04-26
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)

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 : {$550.00}, XXXX XXXX  XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX  Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX  XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, Portfolio Recovery A XXXX Balance : {$1500.00}, and XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I received a student loan for the school : XXXX XXXX and XXXX XXXX XXXX. In XXXXXXXX XXXX. From The US department of education through FASFA. I believe it was XXXX or maybe XXXX. I recently found out that the credit companies and the US. Dept. of Education have added three student loans. for various amounts. I can verify I was in XXXX  from XXXX and XXXX XXXX. I have only applied for the one and received the one student loan. and for those years I was in XXXX  I received a letter upon my request saying they would stay the interest. I don't even know how to go about setting up payments. Also, I only have one student loan that is legit and mine.

So the issue is there are 3 student loans that I'm indebted for but only one is legit and mine. I have only applied and received 1 student loan in my life.
Consumer complaint received 2023-09-25
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)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Opened : XXXX XXXXXXXX XXXX  Open XXXX days late Identity theft of my personal emails, phone number, bank information.
Consumer complaint received 2024-04-26
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. (AZ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-26
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. (MA)

Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX MA, XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX WAY XXXX MA, XXXX Address ID # XXXX Single family ( XXXX XXXX XXXX Residential Spouse or Co-Applicant XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Account Info Account Name XXXX Account Number XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.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 advance 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 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I just got another hard inquiry that I didn't recognize. Same company XXXX on XX/XX/XXXX. This is identity theft and someone is using my information again.
Consumer complaint received 2023-10-27
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. (AR)

Several months ago I noticed errors found on my credit report due to incorrect reporting and compliance. I reached out to Equifax and XXXX numerous of times but it seems that nobody was able to help me. When I notified it Equifax and XXXX, they refused to report accurate information and information that is in compliance with the federal law. 

In accordance with the Fair Credit Reporting Act Account # 1 XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Account # 2 XXXX XXXX XXXX XXXX  has violated my rights. XXXX5 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 3 XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 4 XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 5 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.