davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (MN)

XXXX, XXXX, Transunion are reporting that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is incorrect. On XX/XX/XXXX, {$1200.00} payment was made. XX/XX/XXXX there was {$1200.00} payment that was made and in XXXX there were payment of {$1300.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, and {$630.00} on XX/XX/XXXX. The due date is the XXXX of every month, so these payments were not 30 days as it is being reported. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, Transunion, and XXXX. The following documentation is provided from the original creditor of the payment and therefore XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-28
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-03-21
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)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (HI)

I applied and was approved for {$2000.00} with no annual fee. I needed to change my mailing address so I emailed them my request and they told me they could not process my request without certain documents indicating proof. This is unusual considering my other cards do not require this. I emailed them proof and someone named XXXX replied and said " the photo didn't show all four ( 4 ) corners of the document - resend I sent it again with the four corners showing. It was rejected AGAIN. This time, they said it would be better to go to their website and upload ( what???? ). Why didnt they tell me this THE FIRST TIME?! 

So, I tried to do that but there was nothing on their website that allowed me to upload ( a very basic website that looks like it was created by a 3rd grader ). I emailed back to re-send my documents again and they rejected it AGAIN saying I had to call. WHY DIDNT THEY SAY THIS BEFORE??????? ALL OF THIS RUN AROUND JUST TO CHANGE MY MAILING ADDRESS. I then learned ( from my credit report ) that the {$0.00} annual fee was a lie they actually charge {$75.00}, which I would have NEVER signed up for if I knew this. I always look for cards with {$0.00} annual fee. They lied to me about this. They are fraudulent. 

Due to their lack of professionalism and misleading me with false information, I called them up and told them to cancel the card. I only had them for about a month and I never used the card. They sent me an email confirming it was canceled. I opened up a dispute with XXXX to get this off my credit report, but XXXX contacted today ( XX/XX/23 ) informing me that AVANT was contacted and they ( AVANT ) said my account was, indeed, open. This is a lie. I specifically asked AVANT TO CLOSE THIS ACCOUNT due to my unhappiness with their service. I called them and asked them to send me another email confirming cancellation and they refused. I, then, asked them to please send me something in writing and they said they cant because since I signed up for paperless they can not send me any paper. This is absolutely ridiculous and deceptive. I DO NOT WANT THIS CARD and the fact they are making it hard to leave them is even more disconcerting and shows a dishonest company. I want this card cancelled!!! The account ends in XXXX.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. These accounts inaccurately reflect the reporting. I'm entitled to {$1000.00} for each mistaken report in my credit file.
Consumer complaint received 2023-08-25
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)

FCRA VIOLATIONS : PLEASE REMOVE ALL NAMES AND ADDRESSES THAT ARE NOT MINE, AS THEY ARE IN VIOLATION OF FCRA. Wrong Names : XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA VIOLATIONS PLEASE REMOVE XXXX, XXXX REPORTED : XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (CA)

I requested to be removed from SAVE repayment plan. They said it would take 5-7 business days. This was XX/XX/XXXX. It is now XX/XX/XXXX. I called last week and they said they dont know whats going on.
Consumer complaint received 2023-11-07
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 do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX
Consumer complaint received 2024-06-16
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. (TX)

I am the author of this complaint. I have attached my dispute letter and forms of ID to this complaint for the purpose of verifying myself. 

I checked my credit report and noticed some inaccurate and fraudulent accounts reporting. 

1. XXXX 2. DEPT OF EDXX/XX/XXXXXXXX XXXX These accounts are in violation of 15 USC 1681s-2b. I demand that a reasonable investigation is made and that these accounts be removed immediately
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NV)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My rights has been violated, for my transactions are reported as late on my consumer report without my permission, XXXX XXXX account number XXXX account XXXX XXXXXXXX XXXX  XXXX XXXX Consumer reportCredit action not initiated by consumerExclusion by consumer. 
( 1 ) A consumer reporting agency may provide a consumer report relating to a consumer under RCW 19.182.020 ( 1 ) ( c ) ( i ) in connection with a credit transaction that is not initiated by the consumer only if : ( a ) The consumer authorized the consumer reporting agency to provide the report to such a person; or ( b ) The consumer has not elected in accordance with subsection ( 3 ) of this section to have the consumer 's name and address excluded from such transactions.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

" I am writing to delete the following information from my file. the items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete these items as soon as possible. ''
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (HI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (NJ)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. I am expecting you to update and correct the status of my account : XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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 submitted Police reports, then FTC reports, I have shown proof of State issued ID with address. Have requested fraudulent addresses and finance accounts to be blocked and removed from the credit reporting agencies on multiple occasions. The information either remains or reappears later back to my personal credit reports.. I have called the credit unions reporting the information and the credit bureaus. I have followed all requested procedures of relief and to no avail, I am frustrated with this process over the past couple years. They know that I have been a victim of identity theft from XXXX breeches and others compromised companies from my person information to my IRS tax returns, they stole my stimulus in XXXX XXXX years and the credit bureaus continue to report inaccurate false derogatory accounts to my personal credit reports. I was told to contact this agency for relief, since they seem to dismiss the Police & FTC complaints. They just keep reporting the same derogatory comments month after month with a couple of inaccurate addresses that I have disputed over and over.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 USC 1681 Section 602 A states I have a right to privacy. 
15 USC 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding a collection account labeled XXXX  XXXX account number XXXX | XXXX. that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

A fraudulent charge was made to My TD credit card on XXXX XXXX and XX/XX/2023, for four airline tickets for the total amount of {$3.00}. 
I been disputing these charges since XXXX XXXX. T.D. respond is that they have reviewed the credit card dispute claim, and according to their investigation. They have determined that fraud did not occur. 
I paid the total amount regardless that I did not made this transaction, to prevent late charges. TD credit card has not provide me with any documentation of their investigation they said they did. I have disputed a few more times and T.D. respond has been the same. That they have determined that fraud did not occur. 
I appreciate if you can help with situation. 

Thank you.
Consumer complaint received 2024-05-28
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. (SC)

I am writing to file a formal complaint regarding a collection account labeled XXXX  XXXX account number XXXX | XXXX. that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-05-28
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

15 uSc 168|6 Clearly States " Any consumer reparting agency may furnish a consumer report under the fallowing circumstances and no other ( 2 ) In accordance with the written instructions of the consumer Thats Aggravated Identity Theft 18 uSc 1028A because they have possession of your information any they are also us it without consent from the consumer 15 USc 6802 A Financial Institution may not 2,232 disclose nonpublic personal information to a nonaffiliated third party unless 25 They give you the consumer the opportunity to exercise your right to opt -out According to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My rights has been violated, for my transactions are reported as late on my consumer report without my permission, XXXX XXXX account number XXXX account XXXX XXXX XXXX  XXXX XXXX Consumer reportCredit action not initiated by consumerExclusion by consumer. 
( XXXX ) A consumer reporting agency may provide a consumer report relating to a consumer under RCW 19.182.020 ( 1 ) ( c ) ( i ) in connection with a credit transaction that is not initiated by the consumer only if : ( a ) The consumer authorized the consumer reporting agency to provide the report to such a person; or ( b ) The consumer has not elected in accordance with subsection ( XXXX ) of this section to have the consumer 's name and address excluded from such transactions.