davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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. (DC)

I mailed in several letters requesting verifiable proof of accounts, and to have information deleted from my credit report, the company did not respond. Also that under FCRA Section 609 ( a ) ( 1 ) ( A ) ,15 US CODE 1681E ( b ) & 15 US CODE 1681i ( 5 ) that they are required by law to verify through physical verification of the original signed consumer contract any and all accounts that they post on a credit report, to removal all non-account holdings inquires over 30 days old, and to add promotional suppression to my credit file.
Consumer complaint received 2023-06-18
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. (PA)

I submitted disputes for 3 Creditors : Original creditor : XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Not only was I not provided the status of this dispute but I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I am requesting for these items to be removed from my report immediately! 
Thank you
Consumer complaint received 2023-05-01
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. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion is required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$53000.00}
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
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. (MS)

It is illegal and a violation of my privacy in ordinance with the Privacy Act of 1974 and Consumer Credit Protection Act to report transactional history. This is also reporting as a charge off a charge off is considered a certificate of indebtedness which is INCOME and this needs to be updated.
Consumer complaint received 2023-11-16
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. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-04-30
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 am writing to dispute certain accounts listed on my credit report, which were reported by your credit bureau. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. I also submitted the required FTC complaint to support my claim that these accounts are not mine. Consequently, I did not receive any correspondence regarding these debts and was deprived of the opportunity to dispute them. Reporting these accounts to your credit bureau without my knowledge or consent constitutes a violation of the law. 

Your lack of cooperation in resolving this matter is unacceptable. I demand that these accounts be promptly removed from my credit report. I anticipate a swift resolution to this issue.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I opened a checking account in XX/XX/2023. I set up semi monthly direct deposit totaling a {$1000.00} per month. It was deposited every pay period through the end of XX/XX/2023. I later found out the bank closed my account between pay periods. They then used this as a rationale to deny a {$300.00} bonus I had earned. The bank closed my account in between pay periods and then open it again with the next direct deposit. I found this policy to be unfair to consumers. Most consumers use their funds in between paychecks. I was not overspending or over drafting the account, I simply used my funds to pay my bills in between pay cycles. I feel penalized for this. I entered into an agreement to open an account with a promotion in good faith and Citizens policies are in a bad faith.
Consumer complaint received 2024-04-30
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. (IL)

I recently pulled my reports and noticed a company by the name XXXX is reporting incorrect information on my credit profile. The alleged debt is being reported by Transunion as " Charged Off '' but XXXX and XXXX not reporting that can not be true, Because the account on Transunion and XXXX and XXXX are different its not even on them so this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

i reviewed a copy of my credit report and noticed that i have XXXX late payments that should be in good standing. according to the creditor they have no access to these specific dates XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (PA)

About 4 months ago I opened a Citi Bank bank account. A few weeks later on XX/XX/XXXX I got an email saying that my accounts would be closed and that they would send me my money within 60 days. 
This was 3 months ago which is more than XXXX ( business ) days. Every attempt to figure out where my money is and how I can get it back failed. Actually, employees in the branches can not help and say I need to call the hotline and when calling the hotline you just get connected from XXXX person to another until someone says they can not help me and they don't know what to do next.
Consumer complaint received 2024-04-30
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. (CA)

I am writing to address a discrepancy found on my credit report. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payment that was not accurate. Taking proactive steps, I promptly contacted XXXX XXXX XXXX to rectify the issue, and they have acknowledged the error and committed to correcting the information. 

XXXX XXXX XXXX XXXX. 
I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. 

Your swift attention to this matter is greatly appreciated, and I anticipate the updated information to be reflected on my credit report accordingly.
Consumer complaint received 2024-04-30
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)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX MAIL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-30
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. (MA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
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 understand that FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute inaccurate information on my credit report that is adversely affecting my creditworthiness. According to my recent credit report, there is a late payment entry on my account, which is inaccurate and misrepresents my credit history. 
I have carefully reviewed my credit report and have identified the following inaccurate information : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am a responsible and diligent consumer, and I have consistently made timely payments on all my accounts. The reported late payment is not only erroneous but also severely impacts my credit score. As a result, it hinders my ability to qualify for favorable loan terms and opportunities, which is particularly concerning as I am currently seeking to open a new loan account.
Consumer complaint received 2024-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WA)

edfinancial services started sending me automated emails me about some account balance after student loan repayments started up. I do not have student loans as verified by the financial aid website nor is it on my credit report. I've tried to explain this to them, more than once, and they just keep asking for an account number, which I keep telling them I don't have, as I have no student loans.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I always pay on time. I am sure of this. what I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b any billing error should be corrected otherwise they will be paying me {$1000.00} for each accounts reporting inaccurately.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am sbmitting this CFPB Comlplaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have reviewed my updated credit file and found that the items in question continue to be reported, despite my previous dispute. I have previously disputed these items, but they continue to be reported on my credit file. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As we are all are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Consumer complaint received 2023-05-23
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: TRUIST FINANCIAL CORPORATION (FL)

I received a Truist fraud alert text on XX/XX/23 with case number XXXX. I had a lengthy one hour conversation with XXXX in fraud management to confirm that a charge for {$130.00} dated XX/XX/23 was not me ( it is showing as a declined charge ). He blocked the card and for the reissued card, I asked that it be sent to me via express mail. The same individual ( XXXX ) called me back on XX/XX/23 at XXXX XXXX  and informed me to call back to XXXX. I called back and they advised me that instead of a replacement card being ordered, in error the account was closed. 

This is for card : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-12-22
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: Experian Information Solutions Inc. (IN)

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XXXX XXXX XXXX letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XXXX XXXX XXXX  letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.