davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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. (OH)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am writing to bring to your attention that a fraudulent unauthorized account has appeared on my credit report. This account was made by entities I am unfamiliar with, and I have no record of initiating any business or financial transactions with them. This isnt my account I have no knowledge of it as it is fraudulent. Below are the details of the fraudulent collection account : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent and I have no knowledge of this account I take my credit very serious would never go into debt over {$200.00} remove this account as soon as possible as it is messing with my livelihood. 

XXXX : XXXX This is I, XXXX XXXX XXXX disputing no one is representing me this is me. 

15 U.S.C. 16815-2 ( a ) ( 1 ) A person shall not furnish any information relating so 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit XXXX continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is continuously reporting FRAUDELENT AND INACCURATE information after being notified orally, via mail and electronically that Consumer 's Credit file has these discrepancies. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors ; A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Equifax is reporting an inaccurate name, an inaccurate address and several inquires including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Consumer has suspicion their information has been compromised by EQUIFAX, therefore therefore Consumer has filed an Identity Theft Report with the FTC. Section 605b focuses on blocking information on a consumers credit report that is the result of their identity being stolen. Once the consumer has provided the needed documentation to the credit bureau, the bureau first must block the information within four business days of the consumers initial report and submission of proof of identity theft. Then, the credit bureau must notify the furnisher of the information that it has been blocked due to identity theft. Once the information has been blocked and the furnisher has been made aware of the situation, the credit bureau must follow up with the consumer and provide final confirmation.
Consumer complaint received 2024-08-19
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Consumer complaint received 2024-08-14
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 did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to opt-out of my info being shared. I have not benefited from any of these transaction. Please block, delete and remove them immediately from my consumer report. The following account is incorrect : XXXX XXXXL Account Number XXXX
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I sent the company ( Capital One ) a check from my bank for the payoff amount on the account. With it I sent a note saying that the check was to pay off the current balance. The note did not say that the account was to be closed. Capital One then closed the account. I called the company to ask them to reopen the account, but they said they could not reopen it. 

I have had the account for 27 years and have always made my payments on time. This account is very important for helping me to maintain my credit score, which is fairly high at the moment.

Whether the company closed my account by accident or because they thought I was paying it off to close it, I did not direct them to close the account. Their closing the account has the potential to have a negative impact on my credit score. Given that I have maintained this credit card for 27 years with a good payment history, that kind of impact to my credit score is unfairly negative and is impossible for me to restore.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/year> Todays date - Friday, XX/XX/XXXX, XXXX No response. Please remove from XXXX, XXXX, and Equifax. The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. This information will help you recognize whether the debt is yours and, if not, how to dispute it. This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt.
Consumer complaint received 2024-08-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I requested validation of debt from XXXX XXXX XXXX XXXXXXXX for account XXXX and they provided a copy of Note with account number XXXX that was fully satisfied on XX/XX/XXXX. 

Bank of America issued me a 1099-A form dated XX/XX/XXXX, indicating that the date title was transferred was XX/XX/XXXX. The form lists the unpaid principal balance as {$160000.00} and the fair market value as {$180000.00}, reflecting that the debt was fully satisfied.
Consumer complaint received 2021-08-19
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: SYNCHRONY FINANCIAL (FL)

I was told by 4 different companies that the inquiry they were pulling would be a soft inquiry which were all done in this the last month yet each Company did a hard inquiry without my consent. There websites said that the inquiry would not affect my credit yet they are all on my credit report and have impacted my score substantially. I am furious and need this resolved.
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: SLM CORPORATION (VA)

I am cosigner on daughter 's student loan. While enrolled as a full-time student, she did an outstanding job making interest payments to save her cost long term and show her as a responsible borrower. This year she made some academic decisions after much derision. She incurred some income changes and communicated this to Sallie-Mae . When I started to get calls, I knew she was struggling so, made payments over phone. She took it upon herself to call and apply for program to restructure payments. In spite of, they called me and I paid to keep from impacting my credit score & hers. It seemed the calls were coming non-stop. She was telling me XXXX thing and they were telling me something different. We made conference call on XX/XX/year>. They set up payment program and used my bankcard for that day 's payment. This was intended to be handled for her to pay. XXXX hour phone call! Calling back is such a nightmare as each agent tells you " account is passed due '' before acknowledging you set up payment program. My credit score nosedive in XX/XX/year> points due to Sallie Mae. I had a draft on XX/XX/year> from my account, yet today when I log in immediate flag on screen says account past due and payment will be needed by XX/XX/year>. The overlap of payments, calls, letters, web account messages is conflicting, inconsistent & harassing. Daughter lives in XXXX, I live in XXXX Each interaction with then results in differing responses. Staff in inept at assisting. Today was transferred XXXX times before I could get assistance and when I asked to speak to XXXX  who was agent who told me she was the account manager, I was told by XXXX XXXX # XXXX that I didn't have the same account manager every month, and that would change. I do not know where to turn. My daughter & I deserve better since we have not tried to run from the obligation but just want consistent customer service that will honor the terms of payment we agree to.
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (LA)

Affirm has not refunded my money for item that was returned. On XX/XX/year> I received an email saying Im due a refund. I have called 20 times. Spoken to a supervisor 5 times and was assured someone from annother department would return my call. : customer service rep - " a refund check is processing, allow 16 days to receive. We attempted to refund your master card but it was declined. '' I then asked to speak with a supervisor. XXXX : supervisor - " your final payment was received more than 180 days ago so we can only issue refund via check. It is being processed, allow 16 days to receive. '' XXXX : received email " your refund is processing. please allow 16 days for it to arrive. '' XXXX : customer service rep - '' a refund was processed on XX/XX/XXXX allow 16 days to receive. Can't provide check number nor date sent ''. XXXX received email confirming refund processed on XX/XX/XXXX allow 16 days to receive. XX/XX/XXXX : customer service rep- " we tried to refund your master card on XXXX but it was declined. we have processed your refund but I do not know the check number nor the date sent. '' I then asked to speak with a manager. Stayed on hold for XXXX minutes, no XXXX available. XXXX spoke with a supervisor. " refund was processed on XXXX. please allow 30 days to receive. '' Can not provide check number or actual date sent. Affirm never denies that they owe me the refund. They never say the check was sent, instead they use the word processed. As of today, it has been over 3 months days since they have emailed me saying I would get a refund.. I would like a refund sent via bank transfer or by check with tracking information provided. Thank you in advance for your assistance.
Consumer complaint received 2024-08-28
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)

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : 1. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

2. XXXXXXXX XXXX XXXX  - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

3. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

4. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

5. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

6. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2024-08-27
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank is reporting inaccurate accounts on my consumer reports which has affected the ability to maintain credit. This account does not belong to me. Anyone can open a fradulent account online. Where is the orginal contract with my signature. How did they verify an account is accurate that was opened online.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was trying to get auto insurance and I received a very expensive quote which was because of the consumer report from TransUnion not saying i havent been late missed a payment or defaulted paying for anything which should make my credit rating higher, but that I fully use my credit and always pay it as a reason to give me a lower credit rating. I have filed numerous complaints against TransUnion union but they know nothing will be done so they dont try to do anything. I would also like CFPB to tell me why they are able to set their own standards, discriminate against me all these years and CFPB doesnt even investigate my complaints
Consumer complaint received 2024-08-19
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. (FL)

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 Bureaus, 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 2024-08-19
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. (GA)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within XXXX  days.
Consumer complaint received 2024-08-19
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. (RI)

This is one of my multiple attempts to notify credit bureaus that I am a victim of XXXX XXXX and that I want to query certain records in my documents that resulted from the XXXX. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-08-27
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. (FL)

XXXX, XXXX failed to provide debt validation and verification letter within the allocated time frame. This complaint is related to complaint ID XXXX. I have requested written evidence of debt and they have failed to comply. Under the FDCPA this is a violation and must be investigated. Remove and delete any reporting to any credit reporting agencies immediately.