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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX is reporting inaccurate balances & payments please remove from my credit report because the furnisher is reporting a charge-off repeatedly in the payment history on a closed account and this is reaging the debt.How are you allowing this to happen?
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: Nelnet, Inc. (CA)

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of Ed/NelNet I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (MD)

This is my second complaint regarding Global Lending, I have not received a fair closure from the first complaint of not being credited for payments and being overcharged with excessive fees. Now Global Lending is claiming that I owe for the month of XX/XX/2022, I clearly have receipts for payments in XXXX and XXXX. Global Lending stated a bank gave me a chargeback, which is clearly an outright lie, they refuse to give me the name of the institution. I explained to Global Lending it was my right to know the institution however they refused to give me the information yet continued to bill me for XX/XX/2022 and I have receipts from monies deducted as proof of that payment. I have a letter from the institution of the disputed charge, proof that funds were never deducted from global lending.
Consumer complaint received 2018-04-06
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: EQUIFAX, INC. (CA)

My issue stems every time XXXX is challenged my score suddenly drops often by 38 points. I review my report I find no justification for score drop. XXXX has in past few months been unable to complete or correct loan matter 's. Since the issue with XXXX became open to the public about hacking issue I've has difficulty keeping my account up to date.
Consumer complaint received 2024-04-30
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. (VA)

TransUnion has an account on my credit report that is not mine account # XXXX. I asked TransUnion to provide me any documents sure as service agreement documents stating I own this debt or delete the debt and they did not respond or provide me with anything I asked for. I was a victim of XXXX breach, and my information was compromise. I feel this fraud account is a result of the breach. 
TransUnion is the only credit reporting agency reporting this Fraud account.
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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
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: EQUIFAX, INC. (CA)

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of EdXXXX I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (WA)

I have been a attempting to close my Destiny Card ending in XXXX. I can not get a hold of a human at this company. There is no email address. No one answers the phone. They have a XXXX XXXX  for correspondence. It's ridiculous.
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. (CA)

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of EdXXXX I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$670.00}.
Consumer complaint received 2023-11-12
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. (MD)

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 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: Experian Information Solutions Inc. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}
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. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I'm deeply troubled by the addition of this late payment to my account, given my consistent history of punctual payments. This issue is causing me significant distress, and I urge you to rectify it promptly by removing the late payment from my account.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First credit union is rolling out a forced {$72.00} a year premium checking account for all its members and they are doing so in a sneaky way. First, rather than have it stated very clearly when you log into online banking that this is happening with an opt-out option they are only sending little emails that don't include out to opt-out of it. When I signed on to America first part of the terms and conditions were that they had free checking and no underhanded fees. In order to opt-out of this premium checking, you have to call and wait on hold for 35+ minutes. This is something a bank would do rather than a member 's first credit union. The best part about going with a credit union is no monthly fees. I wish they offered this as an option, instead of as something they automatically set up and we need to call to cancel. It goes against everything Ive always thought America First stood for. Even if the benefits are great the way this is being rolled out feels sneaky. It should be an option rather than a forced situation.
Consumer complaint received 2023-04-30
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: AMERICAN EXPRESS COMPANY (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act AMEX : ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX XXXX XXXX : ( XXXXXXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 

Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting XXXX
Consumer complaint received 2023-08-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (IL)

I opened a savings account, Savings - XXXX, with Marcus by Goldman Sachs. My account was closed by the institution without notice with a balance of {$1100.00}. The funds still haven't been returned. Please instruct the institution to return the {$1100.00} balance.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Hello my name is XXXX XXXX XXXX XX/XX/1983 phone number XXXX home address XXXX XXXX XXXX XXXX Unit A XXXX XXXX CA XXXX email address XXXX or XXXX or XXXX last of my SSN XXXX so I have been having this issue for years now I have called before to the credit bureau to try to get all of the inquiries off my report because it wasn't me I have dispute over and over and it's still showing in my credit report I still live with my parents home I have lived at the same location for years I don't play rent I don't have a car never had one I don't have any credit cards or a bank account only a prepaid account I would like to be able to move out of my parents home and be able to get my own place but it has been different because I have no credit or should I say bed credit low credit score this has been a problem for me not be able to get any loans or anything I have report id theft because someone has been using my information this why I have filled a police report online I have every proof I do believe I know the person who has been using my information with out authorization
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (MS)

Upon reviewing my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.