davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My complaint is against the credit agencies, XXXX, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 
6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account. 
8. Proof that you are licensed to collect in my state. 

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the Bank of America website, specifically related to their Cash Back Rewards program, they have misleading information, stating an illustrative example of calculating annual cash back which is not actually possible through the program 's stipulations. They show an example of getting {$24.00} a month in cash back by spending {$1400.00} in a month in various categories. They go on to say that you would be able to get {$290.00} annually ( $ XXXX times 12 months ) in cash back in their example. However, their program only allows {$2500.00} of qualifying purchases per quarter, so their example would have you spending {$4300.00} quarterly ( {$1400.00} x3 ) to achieve the results, but the program only allows {$2500.00} quarterly so a large share of your spend would be disallowed for the rewards. This is very deceptive. It is actually possible to get {$300.00} cash back annually but only by using their card strictly on gas alone. This is not made clear in the outline of their advertisement.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FULTON FINANCIAL CORPORATION (VA)

I attempted to take advantage of an offer by XXXX XXXX, XXXX. at XXXX XXXX on XXXX XXXX, 2018. The offer was to open a checking account online and receive a {$150.00} bonus after using the associated debit card a certain number of times. 
In looking at the accounts there are hyperlinks under each account. I clicked on each hyperlink and none of them worked - I wanted to know the rates of each account. I was able to call and obtain the rates. 
I then filled out all of my personal information on the " Step 1 : Getting started '' page of their site after I clicked on " Apply now ''. Once done ( SSN, Name, Address, DOB, and DL information ) another page " Step 2 : Personal information '' came up and stated in red letters " We 're sorry. Thank you for your interest in opening an account with XXXX XXXX, XXXX. Unfortunately, you ( not your ) response do not match our records. Please feel free to contact us at XXXX. 
I contacted them and spoke with representative named " XXXX ''. He said " oh, you must have entered something that our computer did n't like ''. What does that mean!? He could not help me further and I said " is that your final answer as I am going to contact the CFPB. He could not help me any more to open an account. I want to know why my account could not be opened.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-07
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)

In accordance with the fair Credit reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

Please block this information from my credit report within four business dats pursuant to section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-06
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)

Seeing unauthorized inquiries on my credit report today was alarming, and I dont understand why theyre there. I regularly check my report, and everything seemed fine until now. I even refreshed my browser to see if it was a mistake, but the inquiries wouldnt disappear. Im frustrated and request that you examine my documents thoroughly to resolve this once and for all.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Fraudulent accounts are not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-07
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)

Im reaching out for assistance with the false account shown on my credit report. This issue has harmed my reputation as a customer, and I require your help. I want these accounts removed as they are incorrectly and negatively reported.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a formal complaint regarding FCRA violations on my credit report. After disputing XXXX XXXX - XXXX last month, the account was removed but has since been re-added without prior written notification, which is required by law. 

Additionally, XXXX  XXXX - XXXX is still reporting a balance, despite having been sold to the same collection agency now reinserted on my report, leading to duplicate reporting. Both accounts must be removed due to inaccurate and misleading information. 

XXXX also failed to validate this information as accurate within the 30-day FCRA dispute period. Please correct this promptly to avoid further action. I have attached proof that the account was deleted and re-inserted. 

Please reference XXXX v. XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXX v. XXXX, XXXX, and Trans Union XXXX XXXX. XXXX XXXX ) where courts have upheld consumer protections under the FCRA related to re-insertion without notification and double reporting.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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. This is XXXX 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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

Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX, XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXF - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

During my time at the University of XXXX at XXXX XXXX, I was a low income student who qualified and participated in work study programming and I was also a pell grant recipient. My loans recently went up {$15000.00} within a months time totaling over {$130000.00}. I am disputing the amount of loans owed to XXXX XXXX because the information which they are reporting is not accurate. The loans that they are claiming which were disbursed to me are not accurate as I utilized pell grants and scholarships which I was a XXXX XXXX XXXX recipient. I graduated owing the university XXXX in student loans. I know this to be true and I feel that some fraudulently activity has taken place with the both the University and Fedloan servicing as they have continue to handle me as a number by way of my social security number
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was shocked to see wrong accounts listed on my credit report tonight, with no idea how they ended up there. I check my report regularly, yet this time I encountered discrepancies that caught me completely off guard. Even after refreshing my browser, hoping it was a temporary glitch, the inaccuracies stayed. Given this issue, Im requesting a close review of my documents to prevent this from happening again.
Consumer complaint received 2024-11-06
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. (MA)

Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding the continued reporting of outdated late payments on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The entries for XXXX, XXXX, and XX/XX/year> are beyond the legally permissible reporting period and are inaccurately listed as recent, which is re-aging the account unlawfully on my credit report. 

These dates are invalid and do not reflect my payment history accurately, creating a misrepresentation that has negatively impacted my credit profile. The continued presence of these entries conflicts with the Fair Credit Reporting Act, which limits how long negative information can be reported. 

I kindly request an immediate review and removal of these inaccurate late payments to ensure my credit report accurately reflects my standing. I appreciate your attention to this matter and thank you for your assistance in promptly resolving this issue.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am submitting a formal complaint regarding inaccurate, false, and unverifiable accounts on my credit report that must be removed immediately. These entries are not only misleading but also violate my rights as a consumer. Despite my efforts to resolve these discrepancies, they remain on my report, causing ongoing harm to my credit standing. This situation has created undue stress and impacts my financial well-being, and I trust you will handle it with urgency and attention to consumer rights.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Requested from Credit Karma to place a fraud alert and to removed this card. Contacted the credit card company and informed them this is not my credit card and it's not my name. Because it's not my name they refused to remove the credit card or post a fraud alert. Also posted a fraud alert with Transunion and they said I needed to report this to this organization. This is the credit card information. XXXX XXXX XXXX XXXX {$1400.00} {$35.00} - Name on card XXXX XXXX The credit card company and Credit Karma said they would not help because I do not have the credit card number, my name is not on the credit card.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

XXXX XXXX a debt collection agency. Sent me a payoff notice for a bill for XXXX XXXX XXXX XXXX for {$340.00} and they wanted a pay off amount of {$260.00}. as per their agreement on the paper statement they sent me. I sent them a certified bank check for {$260.00} and they now claim I still owe them {$86.00} even after I called them several times, they said they would close the account as paid in full. They have refused to close my account. I still have a derogatory collection amount of {$86.00} on my credit report. They are committing fraud against me.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I enrolled both of my Capital One accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XX/XX/XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( proof attached ). The amount paid to XXXX did not cover the full Capital Once payment, and this resulted in a late status being posted to my credit reports for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was informed by Capital One and by XXXX that the accounts would " re-age '' in XX/XX/XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for both accounts.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, 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. (WI)

I 'm a victim of the breech and also been a victim of identity theft before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have fraud alerts on all my reports due to this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX is on my report twice XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete these items immediately XXXX XXXX