davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently checked my credit report and saw a account reporting that I do not recognize. 

XXXX XXXX XXXX  opened XXXX XXXX with no data available. Account # XXXX.
Consumer complaint received 2024-08-20
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. (NY)

In late XXXX, I noticed late payments from a XXXX XXXX account on my credit report. I found, I was an authorized user on a relatives account, so I requested to be removed and for the late payments to be removed as well. XXXX XXXX advised me to contact the credit bureaus pertaining to the late payments. 

On XX/XX/XXXX, I reached out to TransUnion, explained the situation, and was assured it would be handled. However, a month later, I found that the account was no longer listed when I tried to pay my XXXX balance on My Mobile App. I immediately contacted XXXX XXXX and learned that TransUnion had reported the account as fraud. 

I spoke with a supervisor at XXXX XXXX, who instructed me to send a notarized letter with my name, address, Social Security number, and confirmation of ownership of the account. XXXX  XXXX Supervisor assured me the account will be Reopened. 

I followed the XXXX XXXX supervisors instructions to send a notarized letter taking ownership of the account. However, when I called back in late XXXX I was told it was being investigated, I then called back the end of XXXX and was told the account would not be reopened and the debt was owed. The representative was rude and unhelpful very solution focus and unprofessional. This has been such a uneasy experience. I do not think this is fair treatment what so ever I simply begged for a further investigation into this matter. 

I contacted TransUnion again and spoke with agent named XXXX. He confirmed that a previous agent disputed the XXXX account and other XXXX  XXXX accounts. XXXX confirm the time and date I spoke to agent, although he would not provide a first name he gave me a file number XXXX. XXXX advised no further action could be taken. He mentioned that the dispute was filed as an account not associated with my name, effectively treating it as fraud with the creditor. 

I expressed my frustration and then requested that this issue be reviewed for training purposes to prevent similar problems for other consumers. The XXXX  account is crucial for my daily needs, and this situation has been extremely stressful for me. 
This situation has caused significant emotional distress, and the agents Ive spoken with have been unresponsive and unsympathetic. I am caught between XXXX XXXX and TransUnion, with neither taking responsibility for their agents mistakes or providing clear guidance. 


I requested the Original Dispute Submitted On XX/XX/XXXX They denied me access to it. 

I requested a copy of the letter I sent to XXXX XXXX accepting ownership, to submit a copy with complaint and they denied sending me a copy. - I did not copy document as I was confident this would be easily rectified.
Consumer complaint received 2024-05-09
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 2024-05-13
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. (NE)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2024-09-04
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: SYNCHRONY FINANCIAL (FL)

Synchrony bank states my account is past due and this account has been paid for years.

I have not used care credit in a very long time and this is showing up as a negative on my credit report. 
The company could not provide help because this account is so old.
Consumer complaint received 2024-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX  ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX  ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (VA)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Venmo regarding the deactivation of my account without valid justification. On XX/XX/year>, Venmo deactivated my account, citing a violation of their User Agreement. However, I can confidently state that I have not violated any terms of the agreement. Despite multiple attempts to resolve this matter with XXXX customer support, including escalation to an Account Specialist, I have not received any clear or detailed explanation as to what specific violation they allege I committed. 

Instead of providing transparency or engaging in a meaningful review of the situation, Venmo has proceeded to permanently deactivate my account. I have consistently complied with all of XXXX terms and conditions, and this abrupt action has caused significant inconvenience. 

I am seeking your assistance in having my Venmo account reinstated and to ensure that Venmo provides a clear and valid explanation for their actions. The lack of transparency and arbitrary nature of their decision is both frustrating and unfair. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address an issue concerning late payments on my credit record. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and there has been no satisfactory validation provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-09
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 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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-09
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 follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2024-05-09
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)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XX/XX/2022XX/XX/XXXX
Consumer complaint received 2023-06-22
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. (SC)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 2024-04-15
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. (GA)

I am unaware of this debt. I didnt have an opportunity to dispute this information. I did not receive proper notification. If and fact you believe you gave me proper notification, then please send me the certified mail receipt with my signature stating I received it. Experian and XXXX XXXX keeps reporting this account to my credit profile. They are in violation of my rights according to the FCRA all credit bureaus must report accurate information. XXXX or XXXX isnt reporting this account. DELETE IMMEDIATELY!!!
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

I am writing to address a critical matter concerning my credit file. After contacting the following respected banks about accounts on my credit report, it's clear they can not provide records for the mentioned accounts. Representatives from these banks have acknowledged the situation and agreed to update my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the XXXX XXXX account that I believe is a direct result of the Equifax data breach that occurred in 2017. The breach exposed sensitive personal information, including Social Security numbers and financial details, which has led to unauthorized and potentially fraudulent activity on my credit file. 

In light of the breach, I request that the CFPB assist in investigating and rectifying this issue to ensure that my credit report accurately reflects my financial history. The items in question appear to be discrepancies or errors linked to the compromised data and are adversely affecting my credit standing. 

Please find enclosed copies of my credit report highlighting the disputed items, as well as relevant documentation supporting my claim, including evidence of the Equifax breach and any correspondence related to my credit dispute. I appreciate your prompt attention to this matter and request that the necessary corrections be made to restore the integrity of my credit report.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (SC)

I am not aware of this debt and have not received any notification. Please provide the Certified Mail Receipt bearing my signature if appropriate notification has been sent. I am formally requesting verification of the alleged debt dated XX/XX/2024. Despite previous requests for verification and a cease-and-desist order, I have not received any correspondence or confirmation. 

The NCA account XXXX, with a balance of {$460.00}, contains several inaccuracies and incomplete pieces of information that require attention, along with clarification on the steps taken to ensure the accuracy of the reported account. Specifically, these inaccuracies include the absence of recorded information in the two-year payment history across the three bureaus. Additionally, there are inconsistencies and incompleteness in the information provided by XXXX regarding monthly payments, number of months, credit limit, past due amount, and date of last payment. There is no reported detail to compare to determine accuracy under XXXX and XXXX. 

Given these inaccuracies, I request a thorough investigation into these discrepancies and a prompt resolution of this matter.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a Truist credit card that had a balance of XXXX which I paid in full before the due date. On my statement the next month I was charged XXXX an interest even though my balance included only a {$2.00} purchase after I paid off the the balance. I contacted them and they put in a request to do an adjustment to my account. I'm concerned that they have done this to many others and that other people may not realize that they are being charged interest that they should not be charged. I also feel that since it took almost an hour to resolve being on hold and waiting that I should be compensated for my time. XXXX to {$50.00} would be fair.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-08
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)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not made by me. 

2 ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX This inquiry was not made by me. 

3 ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not made by me. 

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.