davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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. (WI)

I sent over a dispute letter asking for accounts to be removed from my credit report under 15 US 1681b, I never gave consent for any accounts to be reported. It has been well over 30 DAYS and I still haven't gotten any results. The code is posted below.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to law, 15 USC 1681i ( 5 ), inaccurate or incomplete information can not be provided on my credit report, and I have found the XXXX XXXX XXXX account ( account number ) : XXXX has incomplete and inaccurate information in all three bureaus. of credit,,,, According to law 15USC 1681e ( b ) there can not be inaccurate or incomplete information reported in the 3 credit bureaus
Consumer complaint received 2023-12-05
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)

I am writing to bring your attention to the following accounts that should not be on my credit report but were furnished by the credit consulting bureaus. These entries have significantly impacted my credit scores, and I am now escalating this matter to request the immediate removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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: AMERICAN EXPRESS COMPANY (CA)

This companies listed accessed my credit information. 
I have never applied anything from this companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2023-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

I have disputed this debt for years. It has now been over 7 years, and has been removed from my credit record. I never owed this debt, and they NEVER sent the legally required debt validation with my signature on any contracts, nor id verification. Nor could they, as I never had business with them. Now, over seven years later, with no legal claim to any debt, they illegally robocall my phone, often 5-6 times in rapid succession, and often more than 30 times per week. It will stop, or i will be suing them. Any continued communication from XXXX or any of its affiliates constitutes harassment. They have no reason to call me, and it WILL stop.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In loan agreement page 1 states, If all or any portion of a payment is not paid within 10 days of due date, there is a late charge of 5 % of the monthly payment or {$25.00} and this finance company has failed to abide by its own terms and has made a fraudulent report to the credit bureaus and has made harrassing texts and threats to take my vehicle without it being late or in repossession status.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In loan agreement page 1 states, If all or any portion of a payment is not paid within 10 days of due date, there is a late charge of 5 % of the monthly payment or {$25.00} and this finance company has failed to abide by its own terms and has made a fraudulent report to the credit bureaus and has made harrassing texts and threats to take my vehicle without it being late or in repossession status.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (NY)

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 2023-12-05
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 am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX XXXX XXXX the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in XXXX are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe XXXX result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This complaint is my follow-up request in line with my previous complaint last XX/XX/2023, the items I am disputing must be removed or blocked in my file to prevent further more damage to my credit report. Here are the items mentioned : 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 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 XXXXXXXX Balance Owed : {$17000.00} The addresses listed above are not my current address, These accounts are inaccurate and fraudulent. Im seeking Litigation.

Please delete them at once.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to XXXX to buy a car today XX/XX/19 and when I got my credit checked to see if I qualified for the auto loan, I was told that I did not get approved because there were accounts and inquiries in negative standing on my credit history. I looked into these accounts because I know they don't belong to me and I found out that these accounts were opened by someone named XXXX XXXX XXXX. I have no idea who that person is but I have never allowed that person to open an account or make any inquiries on my behalf. I did not benefit anything from these accounts that were opened in my name without my permission nor did I ever make any transactions or payments towards any of these accounts. I have already filed a police report regarding this matter.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-05
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. (TN)

In accordance with the FCRA, I am not liable for these debts. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX ) ( TN CHILD SUP # XXXX ) ( TN CHILD SUP # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has all violated my rights.

15 USC 1681 section 602 A. states I have

the rights to privacy. 15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 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 item of information, other than records of crimes which antedates the report by more than seven years.

15 USC 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. 
Also, I have not supplied proof under the doctrines of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists or is verifiable.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (AZ)

received repeated phone calls and voice messages from multiple numbers claiming I took out a payday loan for {$400.00} in 2016. I never took out a payday loan in 2016
Consumer complaint received 2023-12-05
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On my fourth endeavor i would like to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. These are the items i am complaining : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (GA)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : # 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.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 2023-12-05
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)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX  | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-05
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 am trying to purchase a house and notice I damaging information on my credit report preventing my credit from improving to purchase my kids a home.According to the provisions of the Fair Credit Reporting Act 611 ( a ) U.S.C. 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. According to the to the provisions of 612 [ 15 U.S.C 1681j ], there should no charge for this reporting.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

Husband and I Started a fraud claim with US Bank about a fraudulent XXXX transaction on XX/XX/XXXX, I called every day until XX/XX/XXXX and only then did they tell me the claim was denied om XX/XX/XXXX because it apparently was made from my husband 's login ( Hence why we both sat there and gave out information needed, we didn't know where it came from ) We told them that was false and we both made the claim and closed all our logins and account, so they said they reopened the claim. I call a week later on XX/XX/XXXX only to find out they can't do that and someone has been lying to me. I just want my money back that was FRAUDULENT TAKEN, so I can pay my bills.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Company is refusing to honor my dispute and i feel like they are not complying with the FCRA 15 usc 1681a, 1681b, 1681i and 1681s
Consumer complaint received 2023-12-05
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.