davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a dispute regarding accounts on my credit report. I reached out to the credit card companies for validation of debt and they have refused to do so.

Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. Now the accounts are being reported as charge off.

I have been researching and looking up my consumer rights under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1692g,1681A1A and 1681s-2 have been violated. The accounts listed below do not follow FCRA. 

XXXX XXXX  Account number XXXX Account type Credit card 2.Account name XXXX  XXXX Account number XXXX Account type Credit card For the months of XXXX and XXXX the account is being reported 30 days late. How could this be when there is only 30 days between the month? 
3.Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
4.XXXX Account XXXX XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
5.XXXX Account number XXXX Account type Charge Card This account reported 30 days late XX/XX/XXXX then XXXX was ND ( No data period ) then XXXX is 60 days late which is confusing to me was there a payment reported by the data furnisher if so how would you determine the accuracy? 
6. 
XXXX XXXX  XXXX Account number XXXX Account type Credit card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
7.XXXX  XXXX  Account number XXXX Account type Credit card Responsibility This account its reporting two 30 day late payments back to back during XXXX and XX/XX/XXXX then 60 days late back to back XXXX and XX/XX/XXXX then 90 days back to back for XXXX and XX/XX/XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IL)

I was a victim of identity theft, and somehow they are leaving the debt on me. My daughters social security was also stolen, and some one also opened a credit card under her name. XXXX XXXX. The individual who opened the account ( s ) must have stolen my identity or got my information via dark web.
Consumer complaint received 2023-12-06
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-12-06
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (NV)

15. U.S Code 1666b section A says verbatim, '' A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. So is XXXX above the Rules, Regulations, Codes set herin from the United States Commercial Code? If XXXX agrees to abide by the 1974 Privacy Act why does XXXX continuously violate the terms and obligations they say they will uphold? XXXX has been known to violate its users privacy rights on many occasions. Around XXXX of XXXX XXXX decided to create a XXXX XXXX XXXX settlement fund to address XXXX 's data breach. I was not part of that lawsuit but once again I believe XXXX to reiterate XXXX has been selling my data to a third party knowingly then misrepresenting that information by reporting false and misleading information which has put a financial burden on me and my future purchases.
Consumer complaint received 2023-12-06
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. (OH)

I have sent 3 letters to Transunion since XXXX all requesting validation of the debts that are being reported by third party. They are sending me letters stating I am not the one sending them letters although I send them a copy of my photo ID and current utility bill which verifies my address.
Consumer complaint received 2018-11-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thaddeus Bechtle Attorney at Law, LPC (VA)

Attorney Thaddeus Bechtle, finally returned my call and immediately told me he did not have time for this XXXX, he told me, " I would not let you send a check to my office, I am going to file a law suit/judgement before the statue of limitations, you don't want to talk to my staff. I am going to sue you, and I will not take your money, I don't care if you pay or not. He also said " you can mail the money in but I a not going to take it. I asked Atty Bechtle to please stop cussing and being rude as I was trying to be professional and I needed information about how much I can pay and where to send the money. He just keep saying " goodbye Miss, goodbye and I don't care. Later that day I found out that he contact XXXX XXXX XXXX, whom he works for and told XXXX in collections that he will go to court. ***I contact Atty Bechtle 's office over a month ago when I found out about this debt, I first spoke to Ms. XXXX who was awful and I exercise my right not to speak with her which Atty Bechtle ageed to it was that point he agreed I would pay {$100.00} a month. I am terrified of what he will do to my credit, my personal information, my life. 
How do I pay this debt, if he will not take my money? I filed a compliant with OAG and XXXX. Help me please.
Consumer complaint received 2023-12-06
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-15
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-04-16
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. (TN)

delete hard inquiries 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.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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. 

DELETE THE ACCOUNST BELOW
Consumer complaint received 2023-12-06
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 am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Consumer complaint received 2019-11-11
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 — Problem with personal statement of dispute
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

The amount owed is not valid, the unit that we were renting had serious issues with Mold and we had to move because of your young child and the health risks associated with this. We were let out of our lease, they must have made a mistake in calculating that any monies are owed to them as this is false. We are prepared to hire an attorney and file a lawsuit against them if it comes to that. For now, we would request that they put in a request to remove this account from our credit reports.
Consumer complaint received 2020-04-27
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: General Motors Financial Company, Inc. (FL)

This is in regards to the credit report I pulled on XX/XX/2020, I see at least 2 credit inquiries on my credit report from you. section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit reports Instruct the credit bureaus to remove these inquiries immediately!
Consumer complaint received 2024-04-16
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)

I got a report on my XXXX XXXX XXXX account that my score decreased because there was an inquiry and account was tried to be obtained and opened. When I tried to contact the company, the phone is disconnected. They sent me an email with an address I had about 10 years ago. The email had no way of responding to them, and only asked for me to provide my personal information to them via fax. This has messed up and lowered my credit score and I want this immediately removed from my credit report. I never made this inquiry and feel this company is a scam, or someone is trying to do something with my information. The inquiry hit my credit report yesterday on XX/XX/2024 and I got an email from the company today, XX/XX/2024 requesting my personal information. I spoke to a TransUnion representative and was told how to go about this. The phone number they gave me for the company is disconnected.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-11
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: BARCLAYS BANK DELAWARE (GA)

Hello. This is a follow-up to ( two ) prior complaints with Barclay 's. The complaint number is XXXX. 

Recap : Barclay 's is reporting an XXXX XXXX XXXX  MasterCard that was opened fraudulently. I asked for validation of the debt. They did not provide anything to me and then after close to two months provided me with fraudulent statements ( they asked for my current mailing address and SSN which I provided in my letter to them. They in turn took my current address - a PO Box - and placed it on old statements ). 

I few months back I went to the police department in XXXX XXXX for file a fraud affidavit. The intake office said he could not sign off on the affidavit because the account/crime was too old. He did provide his business card, which I'm submitting in my documents. So, I had the document notarized. 

I recently received a letter from Barclay 's now saying that the original creditor is XXXX XXXX XXXX and that I would have to contact them for the documents I am requesting. 

First, XXXX XXXX XXXX is not reporting on my credit bureau report - Barclay 's is the one reporting. 

Two, Barclay 's provided me with fraudulent statements. They have no legitimate documents to validate the debt.

Three, why is it my responsibility to now go to XXXX XXXX XXXX for validation documents when they - XXXX - sold the debt to Barclay 's. It's Barclay 's responsibility to validate the debt not mine.
Consumer complaint received 2023-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  ACCOUNT WAS OPENED DUE TO FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
ACCOUNT BALANCE OF {$2600.00} IN INACCURATE AND I REQUEST THE WET SIGNATURE TO SEE HOW THIS FRAUD ACCOUNT WAS ABLE TO OPEN WITHOUT MY KNOWLEDGE. 
DELETE THIS FRAUDACCOUNT.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction with the ongoing presence of late, closed, and charged-off accounts on my credit report, despite making repeated attempts to have them removed. This letter serves as a formal complaint regarding the handling of my credit file. 

Despite providing evidence of inaccuracies and engaging in due process according to the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful resolution to this issue. 

The inclusion of these erroneous accounts has hindered my ability to secure favorable credit terms, obtain loans, and pursue other financial endeavors. Furthermore, it has caused undue stress and frustration as I continue to navigate through this ordeal without any tangible progress. 

I demand immediate action to rectify this situation. Specifically, I request that the aforementioned late, closed, and charged-off accounts be thoroughly investigated and promptly removed from my credit report. Additionally, I expect a formal explanation for the repeated failure to address my concerns in a timely and satisfactory manner. With this, I am asking for your assistance to remove these accounts in my credit file XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$200.00} XXXX
Consumer complaint received 2023-05-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have sent numerous of letters to XXXX, Transunion, and XXXX regarding the accounts in question with no results of an accurate investigation.
Consumer complaint received 2023-12-28
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. (WI)

For the account of XXXX XXXX : I have sent many letters starting XXXX of XXXX through XXXX of XXXX explaining that this account has never been late and requesting that it be updated to show there was never a late payment. After never hearing back from Experian and seeing that the account has never been updated to show that it's never been paid late - I requested the method of verification. I still never heard back. 

XX/XX/XXXX - Sent a final letter advising that if this was not corrected or if they couldn't provide me with their verification process, including WHO verified this .... I would be filing a formal complaint with CFPB. I also showed proof that the data furnisher is reporting different information between the different bureaus- so there is no way that the information can be 100 % accurate. 

I still have received no communication, other than logging into my Experian account and seeing that the " account has been verified ''. This is not acceptable.