davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I opened a credit card in XXXX at XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX. The banker sold me, saying the card was 0 % on purchases and balance transfers for 12 months, along with 1.67 % cash back on purchases. I received the card, put my vacation cruise on it and was charged interest on my XXXX bill. I spoke with XXXX at the branch and was told the banker had clicked the wrong card, giving me the balance transfer promotion only. After a month of working with XXXX, he called on XXXX and stated he and his Regional Manager had a solution ; opening a new card to do a balance transfer, waiving all fees and interest. I opened the new card on XX/XX/XXXX and began what I thought was the process of the balance transfer. I was then called Thursday XX/XX/XXXX by someone in XXXX XXXX XXXX  and told that since they could not find a " bank error '', they would no longer be making the balance transfer or refunding any interest. I now have 2 credit checks, 2 new account hits on my credit, 1 closed account with a {$3800.00} balance and 1 open credit card.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing a copy of my credit report # XXXX I discovered some inaccurate in my personal information.this information including XXXX XXXX XXXX XXXX XXXX XXXX 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 and I have never lived at the listed address this information from my credit report
Consumer complaint received 2024-10-27
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-27
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. (NC)

I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX  XXXX XXXX XX/XX/XXXX. This account has always been paid on time and has never been late since XX/XX/XXXX. I have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists Company Name : XXXX XXXX XXXX XXXX XXXX Amount : {$100.00} Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company Name : XXXX XXXXXXXX XXXX  Amount : {$1000.00} Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-27
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. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
Fradulent Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX this/these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (GA)

XXXX XXXX SAID SHE CHECKED HER CREDIT AND SHE SEEN SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON HER CREDIT REPORT, SHE SAID HE NEVER GAVE ANYONE PERMISSION TO RUN HER CREDIT.SHE SAID SHE NEVER RECEIVED ANY MONEY GOODS OR SERVICES FROM THESE COMPANIES.SOMEONE USED MY CREDIT PRETENDING TO BE ME.THE FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-27
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. (NV)

Complaint to the CFPB Regarding Inaccurate Credit Reporting by Credit Reporting Agencies Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX in Violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) Complaint Details : I am filing this complaint regarding the Credit Reporting Agencies ( CRAs ) failure to uphold the Fair Credit Reporting Act ( FCRA ) obligations and failure to ensure the accuracy of my credit reports. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review and address these inaccuracies with the CRAs. 

On XX/XX/year> I sent a formal dispute to the CRAs, disputing the inaccurate information being reported on my credit report for the following accounts : 1. Account Name : XXXX 2. Account Name : XXXX XXXX required under 15 U.S.C. 1681e ( b ), all information provided on my credit report must be entirely accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( 5 ), the CRAs are mandated to reinvestigate disputed information and correct or delete any inaccuracies found within a reasonable timeframe. However, despite my formal dispute, the CRAs are still inaccurately reporting these accounts, which continues to damage my creditworthiness. 

Specific Issues with the Reported Accounts : XXXX Account : This debt has never been validated by XXXX, and despite my dispute, the CRAs continue to report inaccurate information. My dispute indicated that, by law, if XXXX fails to validate the debt, the account must be corrected to reflect a paid in full status or removed from my report entirely. 
XXXX Account : Similar inaccuracies persist on this account, despite my dispute and notification to the CRAs. The CRAs have failed to ensure the information is updated accurately or removed. 

By continuing to report inaccurate information despite my dispute, the CRAs are not only violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), but they are also failing in their duty to reinvestigate and resolve disputes fairly and promptly.
Consumer complaint received 2024-10-26
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)

I am filing a formal complaint regarding the inaccurate and inconsistent reporting of my XXXXXXXX XXXX  account, on my credit report. I have identified multiple discrepancies across the credit bureaus that violate XXXX XXXX compliance standards, and I am requesting an immediate correction of this accounts payment status to reflect accurate, positive standing. 1.Inconsistent Payment Status : XXXX reports this account as Pays account as agreed, TransUnion as Paid or paying as agreed, and XXXX as Current account/was 30 days past due date. This variation in payment status is inaccurate and does not align with the standards for uniform reporting under XXXX XXXX compliance. 2.Discrepancy in Worst Delinquency Status : XXXX and XXXX report 30 days past due as the worst delinquency, while TransUnion shows XXXX Reported. This inconsistency in the delinquency record suggests errors in data reporting, especially as the account is now in good standing. 3. Erroneous 2-Year Payment History : The 2-year payment history displays conflicting information, with some bureaus marking a 30-day late payment in XX/XX/year>, despite my current positive payment record. Such discrepancies compromise the integrity of the data and violate XXXX XXXX standards for consistency and accuracy.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-25
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. (MN)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (FL)

I have taken a loan from Sallie Mae during my time in college. After college for a while we were pay to the monthly loan because it was like {$100.00} to sometimes {$200.00} a month. My co-signer at the time was able to pay for me and sometimes I was able to pay for myself. I gotten back into school to do half-time to continue to have low monthly payments from Sallie Mae . The half-time student with XXXX XXXX lowered my monthly loans for about two years give or take. Recently within a half-year the monthly payment went up to over {$1000.00} per month. I was not to pay for it because I do not make enough money to pay {$1000.00} per month with the monthly rent and things I have to pay to live and survive. My co-signer is on a fixed medical income and retired she is not able to pay that much for herself. We have been calling Sallie Mae off and on every other month to this day trying to lower it to the original {$100.00} or {$200.00} a month but they keep saying they can't help me and can't lower it. Now they want over {$2000.00}, and they can only lower it to still {$1000.00} even when I asked them and explain I don't make that much per month with my jobs.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I, XXXX XXXX XXXX declare that I am a XXXX XXXX XXXX XXXX  and, as such, am protected under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a result of the exploitation I endured, certain adverse information has been reported on my credit file, which is directly linked to my XXXX XXXX 

Under Section 605C of the FCRA, I am entitled to have all adverse credit information resulting from my XXXX XXXX from my credit reports with all major credit reporting agencies. I have provided the necessary documentation to verify my status as a XXXX XXXXXXXX, and I formally request that you comply with this legal mandate by removing or blocking any such harmful information on my credit report. 

This request is made under my legal rights as a XXXX, and I expect full compliance with the Fair Credit Reporting Act to prevent any further victimization or harm to my credit standing and the accounts are 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 and I also have 2 inquiries that I did not authorized which is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Can not access my credit report. 

According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I requested to turn off the overdraft service, and I continued to get overdraft fees, I requested a refund and they could only refund a partial amount. They said this was a one time courtesy and they could not refund the total amount because the system does not allow it. Ive had XXXX overdraft fees charged in the last XXXX months, and while theres money available in another account linked to that one, theyve still been charged. Charges are for {$35.00} regardless of how small ( some are {$5.00} ) the purchases were.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Attempted to contact Fair Collection and Outsourcing about multiple accounts. 
These accounts are reporting under a false address when I brought this to their attention, I was given the run around. I sent multiple certified mail and was told I could only dispute the account twice. Phone calls were sent straight to voicemail and never returned. Emails were never answered. Under the Fair Debt Collection Practices Act. I as the consumer are entitled to information that would validate the account. In this case It would be a signed agreement between myself and FCO.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of TRANSUNION to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXXXXXX XXXX account ending in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBIT A & B Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While, XXXX has CORRECTLY reported this account ( SEE EXHIBIT B Attached ) on my consumer report, TRANSUNION has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A & XXXX Attached ). XXXX has clearly verified the accuracy of my credit report while TRANSUNION only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from TRANSUNION.