davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After reviewing my credit report, I noticed I have 2 late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and I believe this was an oversight on their part. I have never been late with on this account. I notice the late payment was reported in XX/XX/XXXXXXXX  and XX/XX/XXXX. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Based on the information, I am asking for these payments to be removed as a courtesy. 

These late payments are hurting my credit profile, as a customer with on time history, I will like a courtesy to be given in the event of the late payment being reported changed to paid as agreed or current. I know XXXX  can provide a courtesy the question is are they willing to provide that courtesy to a customer with a great payment history like me.
Consumer complaint received 2024-02-09
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. (CA)

pursuant to12 CFR Subchapter A part 202.4 per the FCRA and also 15 U.S.C 1681a ( 2 ) a-i The term " consumer report '' does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer XXXX XXXX XXXX XXXX has furnished nonpublic personal information such as income and transaction history to credit reporting agencies. Such is considered income per the Internal Revenue Service Publications, Charge-offs/gains are considered taxable income, and my income is non-public personal information that XXXX XXXX XXXX XXXX has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, TransUnion and XXXX. which are third party companies! In doing so they have also violated the Privacy Act of 1974 per 5 U.S.C 552a ( 4 )! XXXX XXXX XXXX XXXX has reported from XXXX XXXX XX/XX/XXXX each month of transaction history furnished within this timeframe is {$1000.00} per violation per month pursuant to 15 U.S.C 1681n! I'm willing to settle for the said account being furnished to be updated to current and as paid as agreed.
Consumer complaint received 2024-02-08
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. (NV)

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! I am filing all the necessary paperwork as I have recently found out about this. The following accounts need to removed from my XXXX, TransUnion, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX  XX/XX/XXXX {$470.00} XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX {$300.00} XXXX
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I paid and closed a collection account.and experian will not update to reflect as they did with the last one I did. 

The collection agency sent the removal and Experian only updates the balance. This is discrimination and unfair treatment as they are now charging for services they have a vested interest in ruining peoples credit so they can have you pay for their updates quicker. 

Agencies like this need to be closely examined.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-08
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. (TX)

I did not authorize nor applied credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-11-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

I was informed by XXXX XXXX regarding 2 accounts in collections. I am not aware of these debts. I thought all my medical bills were paid. This is a huge impact on my credit. Assetcare {$90.00} from XXXX XXXX XXXX and Assetcare {$81.00} from XXXX XXXX XXXX. These are very small amounts that I would have paid. I am not familiar these debts. I do not know what they are for.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-02-08
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)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2024-02-08
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (GA)

Mountain Run solutions is trying to collect on a debt from " XXXX XXXX XXXX '' for {$4000.00} from me. I have never done any business with Mountain Run Solutions or XXXX XXXX XXXX in my life. I've reached out to Mountain Run Solutions and XXXX XXXX XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe Mountain Run solutions or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against Mountain Run solutions and XXXX XXXX XXXX for violating my rights under the FRCA.
Consumer complaint received 2024-02-08
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. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2022-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX account is reported multiple times only one account should be posted. XXXX XXXX is reporting what the creditors pay them to post even if it's inaccurate. XXXX XXXX is reporting more than once and it's the same accounts.
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Platinum Holdings Group, LLC (OK)

I recived a phone call from Collection Consulting from XXXX XXXX California. They Have not given me a written notice of rights or the debt to be collected. Also they had my debit card on file and used it as payment without permission or notice.
Consumer complaint received 2021-11-04
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. (TX)

I have a clear title to the car I owned that have been paid off and sold to XXXX for resale. I have disputed and attach my documents as proof. Please see the same documents that I rendered to all 3 major credit reporting agencies. However, all major credit reporting agencies, never fix the issue at hand.
Consumer complaint received 2024-02-08
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)

Subject : Urgent Clarification Needed : Debt Paid in Full, Removal Request Granted Dear [ Accounts Interchange Group ], I am writing to urgently address a critical matter regarding account [ Approval Code : XXXX ]. I recently learned that the debt associated with this account has been fully paid, and a request for its removal from my credit report was granted, following the tragic loss of a family member. 
Given the sensitive nature of this situation and the urgency it entails, I am reaching out to request confirmation and clarification regarding the status of this account. It is imperative that the necessary steps are taken to ensure its prompt removal from my credit report, as agreed upon. 
Your swift attention to this matter is greatly appreciated, as it will allow me to focus on the grieving process and necessary arrangements for my loved one without the added burden of unresolved financial issues. Also this credit reporting agency isnt listed on my consumer report. I was transferred from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX so I am very confused and do not feel comfortable with my information being sold. This miss understanding has gotten me denied for a loan and I do not know how I will help pay for my grandmothers funeral. 
Thank you for your understanding and cooperation in this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
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. (IL)

I recently received a copy of my credit report from one of the credit agencies. XXXX, XXXX or TransUnion. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( XXXX ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( XXXX ) EXCLUSIONS. With the exception outlined in paragraph ( XXXX ) a " consumer report '' does not encompass Within the provisions of section XXXX XXXX of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. XXXX. Defamation of Character XXXX. Negligent Enablement of XXXX XXXX XXXX. Violations under XXXX XXXX Collections Practices XXXX specified in 15 USC 1692g XXXX. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ XXXX XXXX. XXXX In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. TransUnion : 30 days late XXXX XXXX XXXX XXXX XXXX XXXX days late. 
XXXX : XXXX days late XX/XX/2023 and XXXX XXXX XXXX days late. 
XXXX : XXXX XXXX XXXX days late and XXXX XXXX XXXX days late, XXXX XXXX XXXX days Late and XXXX XXXX XXXX days late.
Consumer complaint received 2023-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

There is an account on my credit report that should not be reporting due to inaccuracies and unverified information. The account is XXXX XXXX  XXXX XXXX XXXX. I sent a letter 4 months ago to the creditor and they have not responded which is a violation of the FDCPA. The credit reporting agencies are also in violation of the FCRA due to the reporting of unverified accounts. Please see the attached letter that was sent to the creditor which is dated and time stamped. I am requesting the removal of the account immediately due to the company ignoring my requests and many FCRA and FDCPA violations. This should be removed from my credit report within 15 days to avoid further negligence. If this is not removed from my credit report I will proceed with legal action.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Representative XXXX XXXX had an office XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX mi, this office was closed in XXXX. XXXX XXXX open a storage unit in this building in XXXX someone added this address to my report in XXXX. I worked on XXXX XXXX campaign and that office had been closed approximately XXXX years prior to someone adding this address to my credit file. Subsequently, this address was never used as my personal address I requested TransUnion to remove that address for it had been fraudulently placed on my credit file TransUnion refused to remove the address I filed another dispute today and within XXXX hour TransUnion had completed the dispute and had not removed the address I am accusing TransUnion of being a criminal reporting organization and I am concluding that just as XXXX had criminal agents working for them so does TransUnion Trans Union has used this address to allow criminals to receive financial instruments. The address should have never been included in a credit file for me. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX  ( XXXX ) XXXX Location closed
Consumer complaint received 2024-02-08
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
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)

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc. (TX)

These XXXX XXXX call all of my phone numbers looking for someone else. I've told them to stop calling, but they continue. They don't care. They are liars and I'm sure their response will be a lie also. XXXX.