davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (NC)

ACTION : Experian Reinserted deleted items from my credit report without notification in writing within 5 business days, which is a deliberate violation under Fair Credit Reporting Act Part ( A ) ( 5 ) ( B ) ( ii ) Purpose : I ( XXXX XXXX XXXX ) demand an immediate permanent deletion of all items reinserted. 

See Attachment EXHIBITS 1-4
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The economy is bad and so is my credit report, but after thoroughly looking at my credit report it is clear which is way worse all I see are erroneous information which is causing me overwhelming stress and frustration. Never knew that upholding your rights as a consumer is this XXXX that I have to go through all this suffering, I wouldn't even be able to buy the necessary things to set my life back on track due to my low credit score because of all the incorrect information reported on my credit report.
Consumer complaint received 2024-06-20
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. (MO)

You Trans Union are reporting inaccurate information to my consumer report! 
The account XXXX Account # XXXX is inaccurate and the information is incomplete. This account is being disputed in its entirety. I have attached my credit report showing incomplete and inaccurate payment history. 
XXXX. How was the last payment made in XX/XX/year> when the payment history shows XXXX in XX/XX/year>? 
XXXXThis account was not paid in full. It was paid for less. Why is the account showing late payments? 
XXXXThis account is not a debt anymore. Must be deleted. 

SEE DOCUMENT ATTACHED You have an obligation by law pursuant 15 USC 1681e ( b ) ( b ) Accuracy of report 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. 
Promptly Delete this inaccurate and incomplete account from my consumer report.
Consumer complaint received 2024-06-20
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)

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have taken immediate action by reporting the incident. 

It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-06-20
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. (NM)

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

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 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

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.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

After exposing my case extensively to the BOFA about the fraudulent charges made to my credit card more than two years ago in XXXX, after answering the results of its first investigation refuting all its arguments with proofs and having sent by US post service and Through the CFPB all the attachments and enough information so that they could verify my arguments, they call me from the bank on XX/XX/XXXX of this year to inform me that they were waiting for some information and that having it would give me an answer, seeing that the days and did not receive an answer call the bank and nobody was aware of the case, the fraud department reopens the case at my request but not as a follow-up to the case opened by CFPB. Within weeks the same letter arrives with the same response sent earlier as if they had never received any information from me. On XX/XX/2019, I received a letter to XXXX where the bank informed me that they need to talk with me about the case and that I have 5 days to respond or close it. This letter was sent on XX/XX/XXXX and arrives in XXXX on XX/XX/XXXX, two months later. I have called the bank and they have me walking through the collect department and after hearing the whole case they tell me that I should discuss it with the fraud department, they transfer me again with them and the call always arrives at the department of collect where it repeats the cycle and no one supports me with my problem or they say what information they need from me. It is as if they are protecting someone inside and do not want to do a serious investigation and give me the answer I deserve as a client. Definitely I will not pay for some charges that are not mine. The bank received payment to the fraudulent charges of someone who is not me by telephone for {$5200.00} and after almost two years they revert that payment and now they are trying to charge me. Sincerely the impression I have as a client is that the security of my information is very fragile in this bank or that someone is doing fraud from within and the fraud department does not want to see or accept it.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Account Has been paid in full, XXXX XXXX refuses to update the account with the credit bureaus and the bureaus refuse to update the account info on their own. this is negatively affecting my credit by having inaccurate information reported.
Consumer complaint received 2024-06-20
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX  Balance : {$6000.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$26000.00}
Consumer complaint received 2024-06-20
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. (NY)

I am writing to contest and to dispute the inaccurate reporting of items on my credit report. Upon contacting the companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the items would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the items from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Im a XXXX year old XXXX veteran which happens to check my credit report every so often and has noticed things that doesnt belong to me. I do NOT owe Diversified Consultants.  The account was opened XX/XX/2018. This doesnt belong to me. 

Please remove from all credit bureaus.
Consumer complaint received 2024-06-20
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. (FL)

I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-20
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. (CA)

I have Inquires that I did Not authorize. I have no accounts with none of theses companies. I did not apply for credit with none of theses inquires. Please help me remove from my credit report. I tried on my own with no success. Thank you in advance XXXX Inquires -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-20
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 follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX
Consumer complaint received 2024-06-18
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. (AZ)

I found out that i was a victim of identity theft in XXXX. I been back and forth with the bureaus and finally we are getting somewhere. i just have XXXX more fraud account to remove
Consumer complaint received 2024-06-20
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. (NC)

I am writing in regards on my ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. As we enter this attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of late open accounts not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. The following accounts should be corrected as soon as possible : XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXXXXXX Balance : {$210.00}.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-07-08
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OK)

I have been trying to pay off my student loans, but my loan servicer, EdFinancial Services, has reversed almost all of my payments without notifying me, to the point that I have missed a minimum payment and I am receiving interest on loans that should have already been paid off multiple times over. 

From XX/XX/XXXX to XX/XX/XXXX, and during the grace period of my loans, I have paid {$40000.00} through seven payments of varying amounts in an attempt to pay the original loan amount of {$18000.00} or minimum payments to prevent harm to my XXXX XXXX or accrual of interest. 

From XX/XX/XXXX to XX/XX/XXXX, I have attempted to resolve this problem through seven phone calls with EdFinancial Services ( XXXX ). Their representatives have been unable to resolve this issue but have confirmed that there are notes on my profile regarding this issue from previous calls and that other individuals are having similar issues with payment reversal.
Consumer complaint received 2024-06-20
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 you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2024-06-10
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-06-20
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX