davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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)

This is my first endeavor 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 Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$320.00}
Consumer complaint received 2024-05-08
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. (IN)

I'm incredibly disappointed by how this appears on my credit report. I've never missed a payment, and I work tirelessly day and night. It's deeply unfair to me as you're tarnishing my reputation as a consumer.
Consumer complaint received 2024-05-08
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (TX)

After careful consideration of my records, I have serious concerns about the validity of this debt and the manner in which it's being collected. 

First and foremost, I don't recall ever agreeing to or signing any contract related to this alleged debt. As you're surely aware, a legally binding agreement typically requires the consent of both parties, which I don't believe occurred in this case. 

Furthermore, I'm troubled by the lack of proper validation for this debt. The Fair Debt Collection Practices Act ( FDCPA ) outlines specific steps for debt validation, and from my perspective, these steps haven't been followed. This oversight raises questions about the fairness and legality of your collection practices. 

I'm also concerned that information about this disputed debt may have been furnished to credit reporting agencies without my agreement or proper verification. This action could potentially harm my credit standing unfairly. 

Given these issues, I'm formally requesting that you provide comprehensive validation of this debt, including : 1. A detailed breakdown of the alleged debt amount 2. Documentation proving your legal right to collect this debt 3. Confirmation that the statute of limitations hasn't expired Until you can provide this information, I respectfully ask that you cease all collection activities related to this alleged debt. This includes pausing any reporting to credit bureaus while this matter is under dispute. 

I want to emphasize that I take my financial responsibilities seriously. However, I'm equally committed to protecting my rights as a consumer. The FDCPA provides important protections against unfair debt collection practices, including potential compensation for violations. While I'm not making any specific claims at this time, I do want to ensure that my rights under the FDCPA and other relevant consumer protection laws are fully respected.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have always ensured that payments on this account are made promptly, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OR)

My loans are currently serviced by EdFinancial. They are ten year standard loans, and I have not changed my repayment plan from what was defaulted. When interest accrual resumed on student loans in XXXX of 2023, they quoted my monthly payment to be ~ {$1300.00}, a roughly {$300.00} overcharge based on calculations by both EdFinancial and Studentaid.gov. I reached out in XXXX via email regarding this discrepancy, which they acknowledged but did not explain. I was told to wait 7-10 business days for resolution, then 30 business days ; during this time I paid off one of four loans in its entirety. My monthly balance shifted slightly in XXXX, but was still an ~ {$130.00} overcharge. I reached out again ( first by phone, then again by email ) about the continued discrepancy in XXXX, having already made one overcharged payment. They again acknowledge the discrepancy and change my loan balance, but this time it is much lower than my estimated monthly payment. On the statement provided to me regarding this change, they quote my monthly payment as " {$800.00} '' ( this is correct ) and yet in the schedule of payments section have me billed at {$750.00} for the next ten years. 

I submitted a complaint to studentaid.gov and have not received any response after two months.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-01-28
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: SYNCHRONY FINANCIAL (IL)

This is my second time doing this. I am a victim of a XXXX data breach. I hope ftc investigate this to the fullest term. XXXX XXXX XXXX XXXX, care credit, XXXX credit card.
Consumer complaint received 2024-05-08
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. (AL)

Contacted fraud rep stated that no matter if they were not mine they dont remove even if fraud 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-07
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. (PA)

I no longer have an outstanding balance with credit acceptance and the company is still reporting that theirs a balance with them i would like for this to be investigated properly after the company investigation I would like for that item to be removed immediately Sincerely XXXX XXXX thanks
Consumer complaint received 2024-05-07
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. (TN)

XXXX XXXX XXXX XXXX  {$4200.00} XXXX XXXX XXXX. 
{$1000.00} I have no knowledge of these accounts please me them immediately
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-07
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)

Last year XXXX I checked my credit report and realized that there was an inquiry from a XXXXXXXX XXXX so I contacted XXXX and they told me to contact the XXXX XXXX which I did but the bank had no information of mine in their system but I am still seeing them on my credit report now of XX/XX/XXXX.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
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. (AL)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2024-05-07
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 2024-05-06
Product: Credit card — General-purpose credit card or charge card
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)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2024-05-07
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. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After speaking to CFPB, I am asking for resolution on the following issues : 1. It is too hard, nothing like with XXXX and XXXX, to see your FICO score and detailed information that impacts it. I actually was forced to pay for a FICO score but then it did not give me details on what was impacting it. Only general comments such as, " Not having too many or not having any delinquent payments, could be helping your score ''. So, is this saying there is a delinquent or? 
2. Why do you seem to have the same information as XXXX, never late and balance on credit is within {$1500.00}, yet your sore for me is XXXX vs XXXX with XXXX. I want all three bureaus to be on the same page and I should not be penalized by one when info is the same. 
3. Please confirm that there is no late payment, I am unable to find that information on the report that I could see, which is nothing like the other two bureaus who show it all.

4. It says that not having a mortgage, or more than the revolving accounts I have, is hurting my credit. So, because I pay cash for my car, I rent my house and I do not want 20 credit cards, you are punishing me with a lower score. I have no late pays on any account ever, I have two open credit cards that I pay down often but never max out and I have other credit cards that because balance was XXXX they closed them. I should not be penalized for not wanting to get more or pay interest on a mortgage when I can afford not to. 

My score should be very high based on actual credit history, all three bureaus should be nearly the same score when info is the same.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2023 my vehicle was stolen with all my pertinent information in it. There was also the amount of {$1700.00} that was stolen out of my Wells Fargo account. XXXX realizing that it had happened the morning of XX/XX/2023 when the XXXX XXXX XXXX XXXX police department showed up at my door. I proceeded to immediately call the bank let them know about the fraudulent transaction to get some type of rectification for it. At that time I Did, give the representative the ticket number. And was told that they will investigate as they should and it would take 7 to 10 business days. I was notified that my claim had been denied, and there was no further action that I needed to do
Consumer complaint received 2024-05-07
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. (PA)

FCRA 605B, I think, necessitates the removal of any erroneous accounts from my credit report. Can you check the documents? Some of the accounts listed inaccurately report amounts and dates.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-14
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: BARCLAYS BANK DELAWARE (FL)

I was traveling in XXXX last month and towards the end of my trip I realized some unauthorized transactions posted on my XXXX credit card. I immediately called Barclays to inform of some kind of fraud happening. I informed them about the irregularity and explained that I was traveling with a large group of people where credit cards were handed back and forth to pay for food and stuff. I didn't know most of this people, I don't know if maybe XXXX person used my card without my knowledge and authorization. Barclays collected information about the unauthorized transactions, started an investigation, entered temporary credits for the unauthorized transactions, blocked the credit card and sent a new one. Just today I found out the credit card company decided all the transactions were valid for them and I have to pay that money.
Consumer complaint received 2024-05-07
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. (GA)

I received a notice from TransUnion that my dispute with XXXX came back verified.I asked TransUnion for a Method of Verification that I'm entitled to under USC 1681i ( 7 ) because it is impossible that TransUnion conducted an investigation at allXXXX XXXX sold their rights to report this account when they sold it to a collection agency ( please see attached XXXX XXXX XXXX ) XXXXXXXX XXXX has negligently and willfully continued to keep reporting this charged off account which is causing it to re-age and affect my credit score tremendously.A charge off should have NO payment history as it has ceased to collect by charging off the debt.This is a clear violation of FCRA 605 ( C ) and TransUnion should DELETE this account immediately for violating my rights.
Consumer complaint received 2024-05-07
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. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-07
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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