davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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. (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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX XXXX account # XXXX, dept of education/ XXXX Account # XXXX, 3.XXXX XXXX XXXX Account # 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c- ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
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. (FL)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi. my name is XXXX XXXX and I recently check my credit report and personal information with TransUnion. I noticed that there are address 's that are attach to my personal information that I have no idea were they come from. XXXX XXXX XXXX XXXX, Tx XXXX & XXXX XXXX XXXX XXXX, Tx XXXX. I also noticed that my place of employment is not correct as well. I currently work for a company by the name of XXXX XXXX.
Consumer complaint received 2023-08-25
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I received a notification from XXXX and XXXX XXXX company that my Synchrony XXXX XXXX account was closed immediately on XX/XX/XXXX by the creditor. I was not notified by the creditor of this action. I contacted the creditor as well as XXXX for information. Per XXXX, no information was shared to the creditor. However, Synchrony reported that they closed the account based on information from XXXX. This account was opened on XX/XX/XXXX and remained in good standing. I made XXXX separate purchases on this account within the last year. Currently, I have a remaining balance of ~ {$800.00}. ( Last transactional purchase was in XX/XX/XXXX ).
Consumer complaint received 2024-06-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

I opened a credit account with Wells Fargo for XXXX XXXX. I have mailed 2 payments on-time, however, both payment were processed 1 day after the payment was due and I was charged a {$40.00} late fee. I called Wells Fargo about the first {$40.00} late fee and was told the fee would be removed from the account balance. The {$40.00} late fee was removed and a {$29.00} fee was applied without explanation and it was not included in the account detail on the next statement. The charge can only be found in the balance and " Total fees charged in 2024 '' The second payment was also sent on-time and again the payment was processed 1 day after the payment was due. I called again and was told they posted the payment after the due date and I owed the {$40.00} late fee. I was also told they only issue one credit per year on credit accounts. Finally, they said the {$29.00} fee was charged after the {$40.00} late fee was credited and I had to pay that also.

I don't owe any fees on this account! I made the payments on time and my bank records show the payments was processed before the Wells Fargo payments were due.

Please help me get these invalid charges removed from my Wells Fargo credit account.
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

To Whom It May Concern My name is XXXX XXXX, and I am a XXXX  at the XXXX XXXX XXXX with a federal student loan serviced by MOHELA ( account number : XXXX ). I am writing to file a formal complaint regarding a persistent issue with my loan payments and unprofessional treatment from MOHELA customer service representatives. 
Since XX/XX/2024, a portion of my student loan payment has not been reflected accurately on my account. Despite multiple attempts to contact MOHELA by phone, the issue remains unresolved. 
Here 's a timeline of events : XX/XX/2024 : I made a payment of {$120.00}, but only {$64.00} was reflected on my account. 
XX/XX/2024 : I made an additional payment of {$40.00}. 
XX/XX/2024 : After no resolution, I made another payment of {$120.00} while requesting assistance. 
XXXX ( multiple calls ) : I contacted MOHELA repeatedly, receiving conflicting information and experiencing unprofessional behavior from customer service representatives, including : o Dismissive statements about my early payments ( despite wanting to avoid interest accrual ). 
o Long wait times ( XXXX hours per call ). 
o Refusal to connect me with a supervisor. 
o Inaccurate explanations, including claims that the new platform would take 90 days to reflect all payments ( contradicted by previous on-time postings ). 
o A comment about the government being " slow '' which felt dismissive and disrespectful. 
I am deeply concerned about the missing funds and the lack of professionalism I have encountered from MOHELA. My proactive approach to managing my loan shouldn't be penalized. This situation is causing me significant stress and financial uncertainty. 
I urge you to investigate this matter thoroughly and ensure the following : A complete and accurate reflection of all my payments on my account. 
A clear explanation for the discrepancy. 
Appropriate action taken to address the unprofessional conduct of MOHELA representatives. 
I kindly request a prompt resolution and a response outlining the steps being taken. I am available to provide any additional documentation needed. 
Thank you for your time and attention to this urgent matter. 
Sincerely,
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute the reporting of a late payment on my XXXX credit card account, ending in XXXX which has been inaccurately recorded on my credit report on XX/XX/2023. Upon review of my account statements and payment history, XXXX Credit Card Agreement, and Consumer Law 15 U.S. Code 1666 I have identified an error that needs to be corrected promptly. 

Federal law mandates that late payments can not be reported to the XXXX main credit bureaus until they are at least 30 days past due. My records indicate that the payment in question was not 30 days past the due date. Additionally, I did not incur any late fees or returned payment fees for this billing cycle, further supporting that my payment was within the acceptable timeframe. 

According to the XXXX Credit Card Agreement, specifically under Section XXXX titled " Penalty Fees, '' a late payment fee is only applicable if the Minimum Payment Due is not received by the Payment Due Date. As per my account, the Minimum Payment Due was satisfied within the required period, negating any grounds for late payment reporting. 

Given these facts, I am requesting that XXXX immediately investigate and correct this erroneous late payment record with the credit bureaus. A timely resolution is crucial, as this incorrect reporting adversely affects my credit score, which is critical during my ongoing process of purchasing a home. 

Please confirm receipt of this dispute and provide a written acknowledgment that the error will be corrected. Should you need any additional information or documentation, please contact me at your earliest convenience. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

Please see below the email I sent to the CEO about this matter. I requested my refund and was told it was getting solved and now they are acting like the matter does not exist. 

XXXX XXXX : I contacted you all on XXXX XXXX, 2024, regarding my credit balance from my account. My loans were XXXX, and I had a credit balance of over XXXX dollars. At that time, I spoke to two people who put in the manual request for the refund. I was told if it was a payment to Mohela it would be ACH to my account and if it was to the Department of Education it would be mailed as a check. I was promised that this would be solved in about XXXX business days or XXXX weeks. We are past both and I do not have a refund. I was told it was squared away on that XX/XX/XXXX call. I called tonight and talked to some lady who acted clueless. She said it was coming from the Dept of Treasury and they have no record of a credit balance. It certainly was known when I called in XXXX. She said well it would be XXXX days after discharge of XXXX XXXX. I was well it is XXXX plus days. She was obviously not well informed and was talking in circles acting like my phone call was almost nonexistent and there was very little record of any of these conversations. I am quite frustrated. I paid loyally and had my federal loans XXXX through XXXX XXXX. It was acknowledged and showed on my account a XXXX refund plus. I received a email promising a close monitoring and communication to resolve this matter that I still have. Now, based on your representative tonight, there is very little record and seemingly no answers. It is a mystery of mysteries. I am assured that if I was XXXX plus days in default and over XXXX dollars behind in payments the matter would be very well known. Once again, I am requesting this matter to be solved because I feel misled, lied to, and it seems as if this is heading toward a disappearing of money, I am owed with hopes that it will just go away. I would like this matter solved. Please and thanks. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

XXXXDEPT OF ED : 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 XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
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)

I sent a copy of the FTC report, and it has come to light that 3 credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$400.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3100.00}
Consumer complaint received 2024-05-22
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. (FL)

Why until now I have not received any response from the bureaus. How many times have I sent a letter to them. why is it still not solved? Please remove these accounts and inquiries from my credit report. This is the list of negative accounts I want deleted XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$7600.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new letter that I was the victim of fraudulent activity. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX Owed : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX ) XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section XXXX ( a ) ( XXXX ) ( XXXX ) you are required to remove any information in my file that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an 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
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (CA)

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 the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I intent to Sue Transunion in federal court. This will be Transunions last opportunity to delete each account I have list in my dispute. I asked them to do a Reinvestigation and they did nothing. I demand each account be deleted immediately.