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

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-09-26
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. (NC)

I would like to inform you that there are instances of identity theft on my consumer report, consisting of accounts that are not mine. I have made several efforts to resolve this problem by reaching out to Transunion, but unfortunately, no resolution has been provided. As a victim of identity theft, I have sought legal help to eliminate the fraudulent accounts from my consumer file. While XXXX and XXXX have successfully taken action to remove these fraudulent accounts, I have encountered difficulties with Transunion, as they have been uncooperative and slow in addressing the matter.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 items was submitted on XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern : I recently received a copy of my ( XXXX XXXX XXXX XXXX ) consumer reports, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is categorized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

CAPITAL ONE XXXX # XXXX Pursuant to 15 USC Section 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( CAPITAL ONE ) Making the report is NOT INCLUDED on my report!
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2022-10-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account # 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 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-26
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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-09-19
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. (CT)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (NC)

I HAVE PLEADED WITH SECU TO PROVIDE ME WITH A 1099C FORM AND/OR CANCELLATION OF DEBT FORM.THIS CREDITOR HAS WRITTEN OFF THE ACCOUNT AND HAS NOT PROVIDED THE MANDATORY 1099C FORM, PER IRS XXXX NOT ONLY IS THIS COMPANY REPORTING INCOME AS DEBT, BUT ADDING LATE PAYMENTS ON A CHARGED-OFF ACCOUNT AS OF XX/XX/24. 

REPORTING TAXABLE INCOME AS DEBT AND LATE PAYMENTS IS IN VIOLATION OF 15 USC 1681E ( B ). THIS COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CREDIT REPORT. 
FURTHER REPORTING THIS INACCURATE INFORMATION AFTER WRITING THIS ACCOUNT OFF WITHOUT MY WRITTEN PERMISSION IS IN VIOLATION OF 15 USC 1681B. I AM LEGALLY SEEKING MONETARY IF NOT RESOLVED WITHIN THE NEXT 30 DAYS
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. (NJ)

PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
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)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
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. (CA)

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After receiving each dispute/investigation results, for the accounts listed, the corresponding updated and verified report is carefully examined. 

It has been noticed, that the date last reported and the date last active concurrently reflect the same dates after each completed investigation, which means that you are ILLEGALLY re-aging these accounts. The date last reported should reflect when you " verified '' these accounts, but the date last active should NOT have changed because no payment was made to these accounts.

IMMEDIATE deletion of the two listed accounts for violation of my federally protected rights. 
I have listed each change in these dates, as well as attached supporting images, that reflect the submission date of dispute and the date that the report was pulled for review. 

XXXX XXXX XXXXXXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported XXXX the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX My dispute letters have been ignored by the listed collectors. The request to furnish a SIGNED contract to verify these accounts has never been fulfilled. Receiving no response makes these unverifiable accounts.

DELETE THESE ACCOUNTS IMMEDIATELY FOR VIOLATION. Both accounts have been ILLEGALLY re-aged.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 the 15 USC 1681. XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : 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 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 if the person knows or has reasonable cause to believe
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (MS)

A longstanding personal credit card account was closed with no notification or call to action from PNC. 

The account was opened on XX/XX/XXXX, XXXX of my oldest credit accounts ( XXXX yrs XXXX months ). The account was current, in good standing, had no remarks ( according to my credit report ), and the entire balance was available. 100 % of my payments were on time. 

The only communication from PNC was a letter dated XX/XX/XXXX stating " Your inactive credit card account has been closed. '' with no call to action or communication prior to this notice. 

When contacting the company ( PNC ), they claimed to have sent a letter 90 days prior to account closure, which I never received, and PNC agents could not give specifics related to my account ( ie. date of letter, dates of attempts to contact, or any notice of account closure ) The PNC 'Retail Escalations Group ' agent who followed up ( XXXX XXXX was also unable to send simple verification text messages, demonstrating further evidence of inability to communicate with customers in an efficient and timely manner. 

This account closure has impacted my personal creditworthiness as ( a ) it was my longest standing credit account ( b ) changed my total credit utilization to be above 30 % as the entirety of the credit was available. 

PNC 's suggestion was to contact a 'sales representative ' to apply for another line of credit, an action which would further impact my credit score while losing the benefit of a longstanding account in great status. 

It is unfathomable that PNC, a financial institution in which I personally have an outstanding relationship, would not take steps to ensure accurate and timely communication to ensure customer/account retention and remedy a mistake that falls entirely on the shoulders of PNC. 

I can get a new credit card. I can more than likely get a new credit card with PNC, most likely with a much higher credit limit ; however this does nothing to correct the damage to my credit, undo the negative impact on my borrowing power, or rectify the distrust sown through negligent actions of PNC.
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX date opened XXXX XXXX / XXXX XXXX {$1100.00} account number XXXX had violated my rights 15 u.s.c 1681 section 1602A states I have the rights to privacy 15 u.s.c 1681 section 604 a section2 it also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (PR)

MY HUSBAND AND I PAID THE AMOUNT OF {$38000.00} FOR OUR MORTGAGE PAY OFF WITH FIRST BANK OF PUERTO RICO ON XXXX XXXX. ACCORDING TO THE BYLAW THAT APPLY TO PUERTO RICAN BANKS, FIRST BANK IS SUPPOSED TO GIVE ME THE MORTGAGE NOTE SO I CAN CANCEL THE SAME. I HAVE CONTACT THIS BANK ON NUMEROUS OCCASIONS VIA EMAIL WITH NO RESULTS.
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. (MI)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to dispute an error in my credit report. According to my credit report, I have a late payments on some of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. According to the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information reported on my credit file. I have maintained a good credit history, making all of my payments on time, and it is crucial that the information reflected on my credit file accurately reflects this. Please investigate the following accounts for reporting misleading information on my Credit File : XXXX XXXX XXXXXXXX Balance Owed : {$220000.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX Balance Owed : {$0.00}. As we are all aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act.
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. (MI)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
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. (MO)

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as XXXX days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX XXXX XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
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. (TN)

PLEASE BLOCKED AND REMOVED I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.
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. (TN)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 2 capital 1 cards, as usual I pay them a couple days early, I go to the site every month to make the payments. Then they tell me I did make the whole payment {$20.00} short. 
Now they want {$140.00} Late fee
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. (TX)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
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. (NJ)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.