davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All of these hard inquiries were not authorized and I am a victim of identity theft I would like them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf. Upon reviewing my credit record, I found instances of late payments. Despite sending letters more than 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this issue.
Consumer complaint received 2024-08-23
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: AMERICAN EXPRESS COMPANY (NC)

I have been disputing this particular card because it was fraudulently opened using my information. I was XXXX XXXX XXXX XXXX in a XXXX XXXX XXXXXXXX XXXX, during my time there this account was opened using my information. I did not authorized my information to be used, nor did i used this card for any purchases. They have not provided me with any of the information i have requested on multiple occasions. I have filed a police report and and FTC Report in regards to this identity theft matter, and sent copies of my documents to them on multiple ocassions
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (GA)

Recently, I did a investigation on my credit report and found several items on there to be inaccurate. 

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 maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 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 shall ( i ) promptly delete that item of information from the file of the consumer, or ify 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.
Consumer complaint received 2024-07-24
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. I have reported this identity theft and taken immediate action. It is crucial to address this promptly, as it has severely impacted 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. I am prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/year>, I was scammed into purchasing {$500.00} worth of XXXX XXXX XXXX. 
The scam artists posed as XXXX XXXX representative and had looked around my account 's with an app. 

The very next day I noticed my XXXXXXXX XXXX  account was at a - {$500.00} balance. 
I called XXXXXXXX XXXX and I informed an agent that it was fraud. 
The pending charges were canceled before it could post. 
My XXXXXXXX XXXX account is attached to PayPal and the - {$500.00}, went towards my PayPal balance. 
However, PayPal had done a poor job of investigating. 
I personally called XXXX XXXX and had given the information listed over the receipts. 
The XXXX XXXX XXXX representative had informed me that the transactions were fraudulent. 
I was told that the numbers on the receipts, were not used by XXXX. 
I was also told that gift cards could only be purchased with either a credit card or debit card. 
All what PayPal had done was to place the blame on me and attempting to make me pay for something that I didn't know if receive money or services for. 
The official police report has not been received because of their system being down.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXXXX/XX/XXXXSSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXXXX/XX/XXXXXXXX, GA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name XX/XX/XXXXXX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-24
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. (AZ)

My account with XXXX XXXX XXXX, XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingUSA (FL)

I recently reviewed my credit file and unfortunately found that some of my balance information was incorrect. You are reporting Information that incorrect because my balance is paid in full and has been. You also sent myself proof that you received my balance total. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete any balance that is not XXXX because it is inaccurate information from my credit file within the next 30 days. I know that you have up to XXXX days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-22
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: Nelnet, Inc. (CA)

I checked my credit score on mXXXX XXXX XXXX app. in late XXXX and noticed that my credit score had fallen about 140 points. After looking at my report I found 6 late payments reported to my credit. These XXXX late payments were all from the student loan servicer Nelnet. These late payments were posted on XX/XX/2024. I called Nelnet and they had no record of me having a current student loan with them. After they investigated further, Nelnet found that my student loans were serviced by them in the past ( XXXX ), then transferred to another servicer ( XXXX ). My Nelnet account shows that the loan was paid in full and closed once it transferred. I asked Nelnet if I had any late payments during the time they serviced my loan. My account did not show any late payments. Further, I asked if they had reported late payments to the credit bureaus and they said no. 

I submitted disputes to XXXX and XXXX. XXXX did not have record of this late payment reporting. After XXXX and XXXX 's investigation they reported back that they contacted Nelnet and Nelnet disagreed with my dispute and that there was not an error in their reporting the late payments. XXXX and XXXX said I needed to contact Nelnet. 

I called Nelnet again and explained the credit reporting dispute results. I asked if they had been contacted by the bureaus. They said they had not and that they had not sent any statement to the credit bureaus about disagreeing with the dispute. I'm not sure how the investigation yielded a statement of disagreement from Nelnet if Nelnet wasn't even contacted. I asked to speak with a manager and she confirmed that there was no record of being contacted, or contacting any credit bureaus. I asked Nelnet if I could get a letter stating that I did not have late payments and that they did not make any report to XXXX and XXXX. They were not able to provide me with anything. Nelnet suggested that I call the credit bureaus. 

Again, I called XXXX and XXXX. They were not able to help resolved the issue and directed me BACK TO NELNET. 

I have been going back and forth between credit bureaus and Nelnet and neither can give me an answer about the late payments reported on my credit. No one can provide evidence of the late payments. Nelnet said all my accounts were paid in full and closed and there was no evidence of late payments. If Nelnet is saying they never reported late payments to the credit bureaus and the credit bureaus are reporting that they spoke to Nelnet how is this issue going to be resolved? 

I have impeccable credit. This is evident in my credit report history. No late payments until this student loan with Nelnet. It is concerning that no one can seem to figure out who or how it was reported. I need help figuring out how to clear these false reports from my credit.
Consumer complaint received 2024-07-24
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)

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. On XX/XX/2024 I told XXXX, Transunion, and XXXX to reinvestigate these 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 XXXXXXXX, XXXX XXXX, XXXX However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-07-24
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. (OK)

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have significantly impacted my credit score and overall financial well-being, and despite my persistent efforts, they continue to remain on my credit report. The following fraudulent items have been adversely affecting my credit report : I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud items in my credit report : 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
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a business account with Bank of America, as well as personal savings checking, mortgage etc. 
In addition, I opened a business credit card account tied to my business checking account. In XXXX, BOA CLOSED all my accounts giving me30 days to move all the money from 7 different account. This was done with NO explanation.

One of the accounts that was closed but remained with a balance was the credit card. In XXXX of XXXX I set up automatic payments with the collections department. I have paid between {$1000.00} and {$500.00} per month. I just realized that despite paying on the schedule that BOA set up every month, I was being charged a late payment fee based on the payment and due dates being a day off in certain months. 

I have tried both with customer service and collections to get these fees removed and despite it being their error in setting the payment date, they claim because the account is closed there is nothing they can do. I am so XXXX at BOA. 

XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally lodge a complaint regarding the ongoing issue of fraudulent items on my credit report, which has persisted despite multiple attempts to resolve it. This is my fifth attempt to address this matter, and I am seeking immediate action to correct the inaccuracies. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and your agency is obligated to investigate and correct any inaccuracies within 30 days. I am requesting that you : Immediately remove the fraudulent items from my credit report, Provide me with written confirmation of the removal, Refrain from reinserting these items without notifying me in advance as required by law. Please acknowledge receipt of this complaint and provide a detailed response outlining the steps you will take to resolve this issue promptly. Kindly help me remove the following items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX