davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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. (NY)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 13 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : Personal information : XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX This personal information is incorrect- please remove this from my credit report immediately. My current address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please see the attached ID in this letter. 

Inquiries : XXXX XXXX XXXXXX/XX/XXXX - this inquiry was not authorized, please remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX, XX/XX/XXXX - this inquiry was not authorized, please remove it from my credit report immediately. 
XXXX, XX/XX/XXXX - this inquiry was not authorized, please remove it from my credit report immediately.
Consumer complaint received 2023-12-14
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. (GA)

TransUnion, XXXX and XXXX is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting TransUnion to provide the documentation used to determine inquiry was indeed authorized by the consumer TransUnion has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a XXXX report. If TransUnion, XXXX and XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules.

" See Attachment '' for All Accounts and inquiries 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent TransUnion whether it be non-verbal, verbal, written, implied or otherwise revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. TransUnion are consumer reporting agencies and I am the consumer.
Consumer complaint received 2023-06-14
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: HEARTLAND PAYMENT SYSTEMS INC (FL)

I was never late on the paid off account listed above please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-12-14
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 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 2023-12-14
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. (ME)

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Consumer complaint received 2024-04-17
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. (MN)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-12-14
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. (OK)

I am writing to demand removal of a series of inaccuracies and Rights Violations Transunion, XXXX, XXXX and any other 3rd party agency, i am writing to demand removal of a series of inaccuracies and Rights Violations from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy, will be forced to notify the CFPB and FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. require 1000 per day if this reporting continues. 15 USC 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with Transunion, XXXX nor XXXX and ANY sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Consumer complaint received 2023-12-14
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. (ME)

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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Consumer complaint received 2018-11-28
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. (IL)

I have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how XXXX verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On the day of XX/XX/2023 I was robbed of my belongings such as my wallet and cellphone most importantly, this occurred as I was in my local gym like any other. 
For a week or so I did not have any way of communicating since I didnt have my phone, when I acquired one I logged into my chase bank application realizing my bank account had been charged with some transactions not authorized by me thru XXXX XXXX XXXX XX/XX/2023 {$2900.00}, XX/XX/2023 {$2900.00}, XX/XX/2023 {$2600.00} in all {$8600.00}. I immediately called my bank to inform them, they cancelled my card and gave me a new one and they did return the money at first. 
Some time went by and in the month of XXXX it happened again but this time it was the bank whom had retaken the Money assuring that they had information against me saying that i had committed these transactions, they sent me this so called proof which all I saw where receipts of transactions from a different country under my name to some people that I have no knowledge of and have never seen them. 
I have gone to the bank and tried to prove my innocence by showing my police report of the incident and various other paperwork, till this day I dont get my calls answered and havent had any money claim case reopened.
Consumer complaint received 2024-04-18
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. (NJ)

FCRA 605B requires us, I think, to delete any wrong accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-04-18
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. (NY)

''I 'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICE SOME INACCURATE ACCOUNTS REPORTING. WHICH INCLUDES WRONG EMPLOYER, LATE PAYMENTS AND COLLECTION/CHARGE OFF ACCOUNTS.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern, To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any mandated OTHER SSNs and I do NOT cover any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm writing to express my appreciation to you for your efforts to have some of the false accounts on my credit report removed. But my gratitude is eclipsed by my intense anguish and despair over my identity theft dispute 's unresolved status. 

It is discouraging that not all of the accounts I am challenging have received attention, even though I appreciate the actions that have been performed. I'm left feeling unsettled and upset by this unfinished business, since it puts my mental and financial security at risk. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am aware of the complexity of these kinds of disagreements, but from my point of view, it is imperative to appreciate the seriousness of the circumstance. My credit report is being tarnished by these bogus accounts, which causes me more XXXX and worry with each passing day. 
I beg you to hurry up and see to it that every one of the aforementioned accounts is looked into in great detail and resolved as soon as possible. Your undivided attention and diligence are needed to see this situation through to a satisfying finish. 

I anticipate receiving a written response to this disagreement letter and a promise that my identity theft accusations will be swiftly resolved. I demand that your agency respond in a timely manner as required by law, and I won't stand for it I look forward to a swift and comprehensive resolution that finally puts an end to this ordeal.
Consumer complaint received 2023-12-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-12-14
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. (CT)

I send out my dispute letters, it's been over 30 days and there are things on my credit report that are not accurate. I have not received anything back from the credit bureaus.
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I am disputing a collection attempt for a debt that is not my debt. I never signed for this debt and there is no verification that it is mine. I need all collection efforts to be stopped and for my consumer report to be protected from this inaccurate information.