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

Agreed to cosign on a car loan for my sister through XXXX universal acceptance. We made a payment on XX/XX/2023 and another payment on XX/XX/2023, which is a 14 day difference, however, XXXX is reporting that XXXX payment was more than 30 days late. 

XXXX is reporting that from XX/XX/2023 to XX/XX/2023 is a 39 day difference. My issue is that I have disputed this with all three credit bureaus, XXXX, XXXX, and Trans Union, but because XXXX is verifying that the payment is more than 30 days late, the credit bureaus will not remove the derogatory remark. I have provided XXXX, XXXX and TransUnion proof that the payment was not more than 30 days late by providing bank statements and screenshots of payment history from XXXX. 

I have provided clear evidence that XXXX is not providing or verifying accurate information yet XXXX, XXXX and TransUnion are still honoring the inaccuracy as I have disputed the derogatory remarks multiple times and provided proof. 

The proof that I have provided should Trump whatever XXXX is verifying via word of mouth. If I have the evidence and I can prove that there is a discrepancy, that should be enough for XXXX, XXXX and Trans Union to remove the derogatory remark for my credit report but because XXXX, XXXX and TransUnion will not remove the inaccuracy even after I have disputed the inaccuracy and provided proof, I have decided to file this complaint with the consumer, financial protection agency.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus ( TransUnion, XXXX XXXX XXXX ) there was a new inaccurate XXXX late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new XXXX late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.
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. (MA)

in accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

Account # XXXX. XXXX accounts as the same beginning numbers. 
Account # 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
Consumer complaint received 2022-11-29
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. (NY)

On XX/XX/2022, I submitted to the Transunion my XXXX words statement to be included in its report and to send the included statement report to all those entities during the past XXXX XXXX 
On XX/XX/2022, I received Transunion letter dated XX/XX/2022 bearing its file number XXXX. Transunion failed to include my XXXX words statement. I waited until XX/XX/2022 to see if it included my XXXX words statement. It did not. 
Transunion had more than adequate time to include my XXXX words statement. Despite the proof I submitted, it continued to ignore the proof.
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. (FL)

I checked again 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 these accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I signed a contract for a used car loan on XX/XX/XXXX, before leaving the dealership I asked if the deal was closed, both the managers and financial manager said yes. I left thinking everything was great. I get a call XX/XX/XXXX that the loan was not approved and I need to return the car. I contacted the bank and theyre telling me that the dealer is not accepting their terms. I asked the dealer and theyre said that the bank did not accept their terms. I have reason to believe that the dealer is pulling a yo-yo scam on me. Please help. That car is my only means of transportation for school and work and I can not just return it, especially since I signed a previous contact.
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. (CA)

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

XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$35.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 

these account were never late. Please provide statements and records of all payments made and missed since I opened this account.
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. (NM)

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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I attended XXXX XXXX of XXXX. This was a for-profit school that offered technical training and ongoing professional support for graduates. I was enrolled in the XXXX XXXX program. After XXXX, the school changed names several times. They went out of business in XXXX and stopped accepting my loan payments. I discovered that the school had gone into bankruptcy and was part of a national lawsuit. 
I did not know my loan was transferred to XXXX XXXX until a year or so after because I was never notified, and then the repayments were paused because of XXXX. However, If I WAS notified, I would have requested my loans be put into forbearance. I have been below the poverty line for many years and the school I paid to train me and launch me into the professional world failed me and stole my money without providing the ongoing job placement and continuing education as promised. 
This loan was forgiven in XXXX as a result of the XXXX XXXX decision to forgive these fraudulent loans. 
I have requested that XXXX XXXX remove these lates, but they are no longer in business suddenly, they merged with XXXX, and XXXX says they don't show my loans in the system even though they were the ones who sent me the notice that my loans were forgiven just 2 months ago. 
I am requesting that the XXXX XXXX account not be allowed to be reported on my credit report since they do not have any record of me at all nor do they have any record of lates payment or forgiveness or anything. 

I am in the process of obtaining a mortgage and these lates are hurting my hard-earned credit. 

The arbitrary lates listed on my credit report for XXXX XXXX are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and are being reported to XXXX and Transunion.
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. (IA)

Improper use of my private credit report. I did not give permission for this company to access them and provide false and misleading information on them. This was a checking account and NOT A LOAN as stated on my reports.
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)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-11-14
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. (FL)

This information is totally bad for my credit. It is wrong information. It has to be deleted now. 


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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

So I was approved for a lease ( Loan ) with XXXX XXXX in XXXX Massachusetts for a XXXX XXXX XXXX XXXX I signed a agreement for 4 years {$350.00} dollars a month and I have been contacting the finance company for the past 3 years email and by telephone from time to time about reporting the information so it reflects on my credit score I have never missed a payment or been late or even had my car reposed I think it's only fair that as a first time car buyer that you at least do the right thing update my credit file with the information you have so it shows that I am a worthy buyer for when I need another car but the last time I spoke with XXXX was through email and this was 2 years ago and they told me the computers and system are upgrading and the IT guy is working on transferring everyone 's accounts over to the credit agencies and it should take a couple months well another year went by and its now been 3 years and still nothing and I spoke to XXXX earlier this month about it and she stated the lady who was suppose to do it is in a meeting so I emailed XXXX later that day and asked how come they didn't upload the documents and see if they could redo it again if that wasn't a hassle and nobody has yet to respond back yet. 

Please inform the credit bureaus of my ontime payment history with you guys please!
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. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-07-17
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. (GA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion po box XXXX XXXX, PA XXXX. 

Re : The inaccurate and certifiably noncompliant information TransUnion is reporting that is keeping me from purchasing a home. 

Beginning XX/XX/XXXX to XX/XX/XXXX, on numerous occasions, I wrote to TransUnion with a formal objection of information published and provided by TransUnion to any and all who has accessed or reviewed my credit profile. I demanded for swift action on their part. Additionally, my notice also served as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

TransUnion is improperly reporting an alleged Public Record and that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, Transunion is in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to TransUnion by the alleged XXXX of XXXX. I have repeatedly formally contested inaccurate information in my credit report as well as the source of the alleged XXXX XXXX. 

Date Filed Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX XXXX format compliance since, per the XXXX, XXXX  XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately, it appears that TransUnion does not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that they prepared concerning me. XXXX prompt attention to this important matter is requested in order to comply with federal law. I have previously disputed this item listed above, XXXX XXXX Bankruptcy. In response, TransUnion verified the item as accurate, stating that they have verified the information with the court. I recently contacted the court and their response is enclosed.TransUnion is the only credit bureau reporting this alleged Bankruptcy as it does not belong to me. I have included proof of no bankruptcy being reported by XXXX or XXXX. 

It is clear that the courts ABSOLUTELY DO NOT REPORT to TransUnion or to any credit bureau for that matter ; therefore TransUnions original response verifying the item with the court was either an error or a LIE. Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED IMMEDIATELY. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
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. (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. 

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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (GA)

This company is damaging my credit in an abusive way, I have called those people to tell them to show me that it is mine and they have no way to prove it, I have never used their services or anything like that, I ask for help to remove this from my credit report please, this is a cause of fraud and identity theft
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

A credit card was fraudulently opened in my name with TD Card Services, specifically for a XXXX card. This was not me, I did not open the card. It was opened without my knowledge. This is identity theft. I can not dispute the card with TD Card services and it is now affecting my credit. I need this fixed please
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-12
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. (MA)

I have debts and credit cards and a light bill from XXXX XXXX a credit card from XXXX and a card from XXXX that arent mine on my report XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I do not want to have this erroneous information in my report
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified 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