davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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 file a complaint regarding inaccurate late payment entries on my credit report. Upon careful review of my payment records, I discovered these erroneous late payments listed, despite my accounts being current. Over 30 days ago, I submitted correspondence disputing these entries and requesting validation, but regrettably, I have not received any response or satisfactory resolution. I am respectfully seeking your prompt assistance in resolving this issue.
Consumer complaint received 2024-07-16
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)

Under 15 U.S. Code 1681b, I have never given consent to report any OF THE FOLLOWING accounts 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 TRANSUNION, XXXX XXXX XXXX  did not have my consent to report any of the following items above. It constitutes an not having permissible purpose. No consent is identy theft!!! This law states that whoever knowingly transfers, possesses, oruses, without lawful authority, ameans of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term or imprisinmentof 2 years. I request a copy of the SSA 89 or SSA 3288 advising that if they were going to pull my credit they would have to have all these documents signed.
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-17
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. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-10-27
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$470.00} XXXX XXXX  XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$140000.00} XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$950.00} XXXX XXXX XXXX XXXXXXXX {$710.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear sirs : My name is XXXX XXXX with SS XXXX. XXXX XXXX XXXX. More than 1 year ago, almost 2 years I went to a Bank XXXX XXXX in XXXX Fl to asked for a credit card, in order to get credit history the associate personal banker toll me if I put a XXXX USD as deposit I will have a credit card for that amount I accept it and they took the XXXX usd but next day I went back to the same location and I reject the transaction. I spoke with the same associate I told him that I do not want that credit card, the associate made a phone call and cancel the transaction in front of me and he told me that the XXXX usd will be return to me by mail in few days. I never received the credit card, so I do not know the number and I never received the refund of XXXX usd I am still waiting for almost 2 years to get my {$200.00} usd, I been calling every 15 days asking to make the refund to my daughter address in New Jersey ( XXXX XXXX XXXX XXXX NJ XXXX ) and In all my calls a woman or a man promised me that the check will be mail in few days I have been waiting and waiting I believe the time is off. In all my phone calls always waiting for more than XXXX minutes and I received the same answer, the check will be mail but never got it. Is not fair that the bank keep my money I need my money be return with damages for 2 years waiting to have it. Thanks a lot XXXX XXXX
Consumer complaint received 2024-06-17
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)

I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading information on my credit report, despite my numerous efforts to have it corrected. The existence of these erroneous entries has severely impacted my life, causing significant stress and anxiety. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this fraudulent information associated with my name and credit file.
Consumer complaint received 2024-06-14
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. (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 attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2024, I submitted a dispute inquiry to TransUnion LLC to question the legitimacy of two accounts listed as collections from a collecting agency named XXXX XXXX XXXXXXXX. In my inquiry, I requested copies of the documentation or signed agreements with the original creditor. 

I did not receive correspondence from TransUnion LLC until XX/XX/2024, which included an investigation results report dated XX/XX/2024, with file number XXXXover 30 days from the postmark date of my original request. In the investigation results, TransUnion LLC stated that they verified the information on my report to be accurate and updated. However, they did not provide any evidence of legitimacy nor explained the means by which the information was validated. 

Despite their inability to provide evidence of legitimacy within 30 days, this collection item has not been removed from my credit report.
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-17
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. (CA)

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 2024-06-14
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. (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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/XXXX i was notified by Apple Card Services who is issued by Goldman Sachs that my Apple Card was temporarily on hold due to the back office making sure to keep me safe. I was a victim of cc fraud which is why I had to change my virtual number and etc. Apple told me it would take 10 business days to restore my account but never restored it and decided to on XX/XX/2023 they would close my account without letting me know. They never told me why they put my account under review in the first place. This account closure has made my credit score go down tremendously and as a cardholder it is unlawful for them to withhold why they closed my account and do it for no reason. I was a victim of card fraud then they close my account. I was told by XXXX agents and supervisors my account would not be closed that I have record and proof of. Apple Card is using unethical practices and I need my account back ASAP!!!! You can not close an account for no reason and not let your customer know.
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. (LA)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-06-17
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. (MT)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-06-14
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. (GA)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

This is a follow-up to my previous complaint. If you do not remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal action. I prefer to avoid legal proceedings, so I urge you to comply with the law. Please remove the following items as they are fraudulent and were opened without my consent or knowledge. If you assert that these items are completely accurate and verifiable, I request that you provide me with copies of any documentation related to these accounts that include my signature, as I know such documentation does not exist. In the absence of such evidence, I formally request that this information be immediately deleted from the credit file associated with my Social Security number : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX. You have four business days to remove the reporting of any items in my credit file that resulted from the alleged identity theft. I do not consent to E-OSCAR or any automated verification methods.
Consumer complaint received 2021-11-10
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: CAVALRY INVESTMENTS, LLC (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Calvary Portfolio Serv XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Consumer complaint received 2024-06-17
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. (WV)

I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

I had gotten into a major financial setback and was having trouble making payments to Navient for my private student loan due to my husband experiencing XXXX and awaiting a XXXX. On XX/XX/2017, I finally went into a repayment plan with Navient. It was my " last chance '' and the agreement was that as long as I paid {$50.00} to start the program, and got my monthly payment automatically deducted each XXXX of the month, then my private student loan WOULD NOT BE CHARGED off. I paid the {$50.00}, then had my first payment deducted XX/XX/2017. XX/XX/2017, I received a phone call from their charge off department, stating that my loan was charged off and I now needed a charge off plan. I explained my plan, and after a long hold time I was told I was correct and that I was not in charge off. On XX/XX/2017 I pulled my credit reports and it shows that Navient charged off my private loans. XX/XX/2017, today they took out their monthly payment again. I reached out to their consumer advocate group about my issues, and they called me at XXXX today and let me know that I was not in charge off, but that my credit report would not be updated until I had paid this payment plan for 3 months. I let her know this was not our agreement but let it go. I received a call at XXXX and XXXX from an automated system from Navient instructing me to call because I have " options. '' I received another call at XXXX from their charge off department. I tried explaining my situation to the rep-how I was no in charge off, that I had just spoken to someone today about it, etc, but she was very rude and condescending and told that it was incorrect and that I was in charge off! 
I am very frustrated with this company. They had me go into a payment plan that I set up for direct debit each month so I could avoid charge off and they still reported me charged off to the credit bureaus. They also refuse to remove this information despite our agreement. I can understand reporting me past due, because that is accurate, but not as charged off. If this was going to be the case, I would not have entered into the payment agreement since they were going to report me charged off anyway. Not only are they reporting me charged off to all the bureaus, but they also within their own system have me as charged off, resulting in threatening calls more than 3 times a day. I am paying per their terms and this is unacceptable. I am tired of feeling harassed, threatened, and humiliated by their representatives, I am a paying customer and do not deserve this. I also have been working very hard these past months to rebuild my credit and they destroyed it with their negative reporting. Please do something about this company and their terrible practices!
Consumer complaint received 2024-06-14
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (TX)

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 3 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.XX/XX/CBNA603532
Consumer complaint received 2024-06-17
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. (OK)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.