davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (TX)

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 : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
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. (LA)

I recently found a memo from TransUnion stating that child support collections are not credit transactions and excluded from Consumer Files. XXXX and TransUnion are willfully neglecting and non compliant to the FCRA laws
Consumer complaint received 2024-04-22
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I need to highlight the outrageous inclusion of accounts falsely labeled as late payments on my credit report. Despite my unwavering track record of making responsible and punctual payments as a devoted customer, these accounts are unjustly depicted as delinquent. This distortion is intolerable and requires swift correction.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be delete : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2017-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I am receiving several calls a day from  Midland Credit. I have not received any correspondence via mail regarding any uncollected debt. I do n ot have any uncollected debt. They are not leaving me any voicemails. I can not reach a person to speak to. Most recently, on  XXXX / XXXX / 17 , they called my father. I am a  XXXX   year old h omeowner who makes a  XXXX  figure salary. I now see that this so-called debit is affecting my credit.
Consumer complaint received 2023-04-12
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: Bridgecrest Acceptance Corporation (NV)

In ordinance With the fair credit act The following creditors have violated my rights Bridgecrest formally XXXX and XXXX XXXX XXXX XXXX A Under 15USC 1681 section 602 States that I have the right to privacy.15USC 1681 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-12-22
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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  Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (TX)

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 : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/year> 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 2024-04-22
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-22
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. (IA)

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 the attached documents and letter for reference.
Consumer complaint received 2024-04-22
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)

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureaus are not reporting this information.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-04-22
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. (IL)

This is the letter i wrote to XXXX XXXX  and their customer service said this was the only way to get response and she promised within 30 days. It has been over 60 days still no response and they have put false information on credit report without informing me. The letter contains all the details below Subject : Urgent Complaint Regarding Unfair Charge-Off on Credit Report Dear XXXX XXXX XXXX XXXX Full name : XXXX XXXX Account number : XXXX Vin number : XXXX Year, Make, Model : XXXX XXXX XXXX XXXX ( XXXX  other other ) Cell : XXXX Email : XXXX My name is XXXX XXXX XXXX I hope this message finds you well. I am writing to express my deep concern and frustration regarding a recent issue with my account that has significantly impacted my credit standing. 
I had a total loss incident with my vehicle covered by your gap services, and I promptly initiated a claim. Throughout the process, I contacted XXXX XXXX XXXX multiple times to inquire about the status of the gap claim. Unfortunately, I was informed that the initial check was lost, and a new one would be reissued. 
Despite my repeated attempts to get updates, the gap claim took an unreasonably long period of 4-5 months to be processed. To my surprise, I later discovered that the gap coverage did not fully address the outstanding balance, leaving me with an unforeseen {$5000.00} owed. 
What adds to my frustration is the lack of communication regarding this outstanding amount. Despite making approximately 10 calls to your customer service, I received assurances that the matter was still processing, with no mention of the outstanding balance. I was promised a call to notify me when the processing was complete, but regrettably, that call never came. 
To my utmost dismay, I recently discovered that XXXX XXXX XXXX has reported this as a charge-off on my credit report without any prior communication or notice. This not only adversely affects my credit score but also puts me in an unjust and challenging situation. 
I am seeking immediate resolution and request a thorough investigation into this matter. I insist on the removal of the wrongful charge-off from my credit report, as it was a result of a lack of communication and mismanagement on XXXX XXXX XXXX XXXX XXXX. I believe in fair and transparent financial practices and trust that this issue can be resolved promptly. 
I appreciate your urgent attention to this matter and look forward to a swift resolution. Please give me a call or email me at earliest convenience so we can resolve this matter. 
Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Consumer complaint received 2023-12-22
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. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting in alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (SC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-12-22
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. (GA)

I enrolled in a payment program offered by XXXX XXXX to bring my XXXX XXXX current after a period of economic hardship. XXXX XXXX informed me that they would be scheduling a total of XXXX payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, XXXX XXXX scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on XXXX XXXX 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from XXXX XXXX. The charge-off remained on my account. I tried to call XXXX XXXX several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. XXXX XXXX responded by saying they'd resolved the issue and that the charge-off was correct.
Consumer complaint received 2023-12-22
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-04-22
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. (MS)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2023-11-08
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. (NY)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX  XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXX  XXXX bankruptcy dismissed # Reference number 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-08
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXX  XXXX bankruptcy dismissed # Reference number 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-12-22
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. (LA)

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 2024-04-22
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)

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureaus are not reporting this information.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (IL)

I have a Destiny Mastercard. My payment date is XXXX of the month. Destiny Mastercard was Genesis FS but now is XXXX. I went to make my payment on the Destiny website & found out that Destiny on accepts Checking Accounts not Debit Cards ( I don't have a Check/Saving Account & don't plan on getting one ). I called Destiny & was informed that payments are only accepted By Mail or XXXX XXXX. XX/XX/23. I mailed in my payment of {$40.00} as of XX/XX/23 Destiny claimed they haven't received it & Destiny charged me a Late Fee of {$35.00} which brought my acct in the Negative. I called Destiny ( Now XXXX ) that I mailed in my payment on XX/XX/23. I was informed that once they received the payment I will get a one time courtesy removal of the late fee. This is RIDICULOUS!. Destiny Mastercard ( Now XXXX ) Doesn't Accept Debit Cards as Payment & when I Mailed in the Payment before the Due Date I still got charged a {$35.00} Late Fee. I can't keep going through this every month, I mail in payment before due date & Destiny ( Now XXXX ) charges me a {$35.00} late fee then I have to call in & Hope they remove the {$35.00} late fee because they don't accept Debit Cards as Payment not mention Destiny reporting this on my Credit. I am enclosing a copy of the Money Order I sent to Destiny. Thank you. 
XXXX XXXX XXXX.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to address the erroneous listing of accounts marked as late payments on my credit report. Despite my long-standing history of consistently making responsible and timely payments as a loyal customer, these accounts are being inaccurately portrayed as delinquent. Why are you reporting me late on XX/XX/2022 when the other bureaus are reporting me as paid? How are you reporting that wrong?