davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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: I.C. System, Inc. (TX)

I have a few things on my credit report that are hurting my credit profile. These two accounts are both reporting on my credit profile that were bought out by third party collection agencies, who I did not authorize or consent my personal information to. Because of this error, it is lowering my credit score, and increase derogatory marks on my credit report. I am unable to get any loans at this time and my interest rates are through the roof. I.C. Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Upon checking my Experian and Fico scores ( XXXX XXXX ), i discovered that my crediXXXX score went down drastically -- -- XXXX and XXXX points. I have always paid everything on time. I found out it was XXXX XXXX XXXX. I immediately called them and they had the wrong address for me and that is why I didn't receive the bill. They have since corrected the address, have taken off all the late charges and I paid the {$20.00} plus charge immediately. 
I would greatly appreciate if you could look into this and reinstate my previous credit score. I am super upset about this. You help and cooperation is very much appreciated.
Consumer complaint received 2024-11-20
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. (NY)

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 2024-11-20
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. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-11-20
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 lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-11-20
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. (MI)

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.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened a Truist account online about 6 months ago with a required deposit of a minimum of XXXX XXXX To this day I have not received the XXXX dollars back. 

I tried signing in but it said my account is not active. I called and they told me I have to go into a branch office to verify my account. So I went to the location in XXXX XXXX XXXX  area after work already tired because they arent open on weekends or any convenient hours. Waited for the manager finally and she told me to call.. so after explaining I already called she said there is nothing she can do and I have to call.. 

Now I called and they are telling me the same thing. To go to a branch and verify my ID. I have waited over 3 months for a check to come in the mail but havent seen anything..
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AR)

The customer service department can not give me a reason my balance is not updating and lie to get you off the phone. I showed a payment due not until XX/XX/XXXX of XXXX but I went ahead and made a payment of XXXX on XX/XX/XXXX. On XX/XX/XXXX I saw a payment due of XXXX on XX/XX/XXXX so I made a payment of XXXX. Then I went on the website 2 days later and it said I now owe a payment of XXXX due on XX/XX/XXXX. I called customer service after waiting almost 2 hours on hold and they had no explanation but I said so if I make a payment of XXXX will I not owe until XX/XX/XXXX the rep said yes I believe just to get me off the phone so I made another payment of XXXX of XX/XX/XXXX. I am now checking the website and it still says I owe XXXX on XX/XX/XXXX. The balance is going up. I have made 3 payment totalling XXXX and something is very wrong with this and it needs to be fixed. You cant talk to the chat because it is AI and gives XXXX answers. I feel like NELNET is a hot mess and not applying or calculating payments correctly. When you call their number all it talks about is how to pay them but not wanting to give you correct information all they want is money no matter if its screwing the customer.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC (FL)

To whom it may concern, I had an account car loan with Westlake financial. I paid off the vehicle in full and made my last payment but apparently there were fees attached that I was unaware of. Years went by without them contacting me. When I tried to sell the vehicle, I was informed that there was a lien on the title. I paid the fees but now its showing that I have a repo on my credit report which is not true at all. I am having a hard time purchasing a vehicle because of this false negativity on my credit report, and I need it removed. Please help.
Consumer complaint received 2024-11-20
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 writing to dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report. After a thorough review, I have identified several discrepancies that violate Metro 2 compliance guidelines and my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. These inaccuracies must be addressed immediately to ensure full compliance and accuracy in my credit report.

Violations Identified : 1. Late Payment Reporting : o The account reflects 90-day late payments in XX/XX/XXXX across all three bureaus. However, the " Date Closed '' is listed as XXXX, making the late payment reporting contradictory and invalid. 
2. Inconsistent High Balance Reporting : o Metro 2 guidelines require uniform reporting of the high balance across all bureaus. The high balance is reported as {$3000.00} by XXXX and XXXX but differs in supporting information. These discrepancies fail Metro 2 accuracy standards.

3. Past Due Amount Mismatch : o The " Past Due '' amount fields reflect inconsistent amounts across the bureaus, with TransUnion showing {$570.00}, which contradicts XXXX and XXXX. This inconsistency violates FCRA 1681e ( b ), which mandates maximum possible accuracy.

4. Date of Last Payment/Activity Errors : o The " Date of Last Payment '' is inconsistent, with TransUnion showing XX/XX/XXXX, while other bureaus list different dates. Similarly, the " Last Activity Date '' is misaligned. These discrepancies interfere with accurate credit reporting and fail Metro 2 guidelines. 
5. Account Status Inconsistency : o The account is listed as " Closed '' across all three bureaus, but the comments field shows conflicting reasons for closure, including inactivity and cancellation by the grantor. Metro 2 requires clear and consistent reporting of account closure reasons.

6. Payment History Inaccuracies : o The payment history field for XX/XX/XXXX shows inconsistencies, with XXXX bureau marking payments as on time and another showing delinquencies. Accurate and consistent payment history is a critical component of compliance.
Consumer complaint received 2024-11-20
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. (DC)

I am writing to inform you that I am a victim of a data breach and several fraudulent accounts have appeared on my credit report. As a result, I am requesting that these accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$28000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}
Consumer complaint received 2024-11-20
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. (IN)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XXXX XXXX AND XXXX  XXXX BANK HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT. 

THERE ARE XXXX DATES OF ACCOUNT CLOSING. XXXX AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. XXXX DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... XXXX TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY IVE DONE XXXX OR MORE LOOK AT THEM ... XXXX TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM. 

WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY XXXX RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. XXXX STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... .THEY REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... XXXX HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF XXXX  FROM EACH BUREAU TELLING ME THIS. 

XXXX  IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. XXXX XXXX. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT XXXX THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED XXXX  FROM XXXX  " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH XXXX BUREAU ... XXXX PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND XXXX CREDITOR REPORTED IT OPEN STILL ... XXXX ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELLY REMOVE ... .TOOOOO MUCH TO TYPE ... .TOO MUCH MORE ....
Consumer complaint received 2022-10-04
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-18
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. (FL)

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2024-11-20
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 am writing to formally request the blocking and deletion of fraudulent accounts on my credit report. I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit history. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (CA)

In XX/XX/2023 I received a Cash App Visa Debit card I did not apply for, nor did I want. After calling them, back and forth emails, document uploads, etc., the card/account was closed ( after about two hours of my time ). I expected never to hear from them again ( I have a credit freeze and fraud alert on my SSN ). 

In XX/XX/2023 I received a second Cash App Visa Debit card I did not apply for, nor did I want. After calling them again, explaining this is the second time they have sent me a card I did not apply for, their response was : No problem, just spend two more hours jumping through all the hoops again, and keep your fingers crossed we don't send another card next month. 

These business practices are highly questionable if not illegal. 

I told them they created this problem twice, they have all my information, close the account. They refuse to do so.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX 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 2022-09-23
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. (MD)

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

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 that the information is inaccurate.
Consumer complaint received 2024-11-20
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. (VA)

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX Original creditor XXXX XXXX Balance {$1600.00} Balance update XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Removal date XXXXXXXX XXXX
Consumer complaint received 2024-11-20
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)

I am writing to notify you that I am a victim of a data breach and to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report, as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5100.00}
Consumer complaint received 2022-06-16
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. (MO)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ Account # XXXX, XXXX XXXX XXXX  /ACCOUNT # XXXX, XXXX XXXX XXXX/ ACCOUNT # XXXX , XXXX XXXX XXXX /ACCOUNT # XXXX., XXXX XXXX/ACCOUNT # XXXX, XXXX XXXX/ACOUNT # XXXX, XXXX XXXX/ACCOUNT # UNKNOWN, 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
Consumer complaint received 2022-06-16
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. (MO)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ 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 # UNKNOWN, 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