davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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)

Despite my previous attempts and your assurances, the fraudulent items have not yet been removed from my credit report. This continued presence of unauthorized charges is deeply concerning and detrimental to my financial well-being. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my credit file. These inaccuracies not only damage my credit history but also pose a significant risk to my financial stability and reputation. 

Furthermore, I request transparency regarding the progress of your investigation into these fraudulent entries and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-05-03
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. (AZ)

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 2024-05-03
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. (NJ)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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'm feeling troubled, unhappy, and stressed regarding the developments in my credit eport. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted XXXX, and transunion regarding fraudulent inquiries on my credit report I sent XXXX and transunion copies of my identity theft report But still the fraudulent information remains on my credit report.
Consumer complaint received 2024-01-22
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)

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  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 XXXX.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2023-07-12
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. (FL)

The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( XXXX, Equifax, XXXX ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

See attached
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing a complaint regarding inconsistent reporting and incomplete documentation procedures at XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX  that led to an incorrect credit reporting regarding my mortgage payment history. On XX/XX/XXXX, I requested relief under a Disaster Forbearance Plan due to the direct effects of Hurricane Ida. At the time of the call, I was offered the option of deferring the 3 months of forbearance to the end of my mortgage. I immediately resumed payments after the 3 months of forbearance ( Attachment 1 ). In XX/XX/XXXX, I was notified that I had been placed in a Loan Modification Program and was requested to complete an online application. I was offered no other option ( ie the deferral I was originally told about ). Although I disagreed, I followed the process as instructed. XXXX maintains that the Loan Modification was approved on XX/XX/XXXX. I did not receive a paper copy of the agreement, did not receive a call regarding the approved modification and the modification was not reflected in documents or balance due on the XXXX online portal. On XX/XX/XXXX, I called to make a payment and was not notified of the modification. On XX/XX/XXXX, I contacted XXXX regarding calls I had received to contact them ; the representative did not inform me of the loan modification. On XXXX XXXX, XXXX, I was advised that a load modification was in effect and immediately paid what the representative stated was the balance due. At this point, without notifying me in writing, sending an email, or explaining over the phone, I was withdrawn from the modification. My balance due on the XXXX portal during this entire period was {$0.00}. XXXX relied on mail communication only to pass very pertinent information regarding my mortgage and its terms of the modification. Due to military transfer, we sold our home in XX/XX/XXXX and purchased a new home. During the process, documents were issued by XXXX stating that I was not delinquent in payments ( Attachments 2, 3 ). During a phone verification conducted by my new mortgage company, XXXX stated that I had not been delinquent in payments. Upon closing my loan with XXXX, delinquencies were reported to the credit bureaus stating that I was 60 days late on payments, dramatically affecting my credit rating. As I am an XXXX XXXX military member, we frequently transfer. My credit rating is the primary means by which we secure affordable housing.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Spoke with a person at equifax about a fraud case and the person denied me the ability to dispute my case they just told be to contact the credited company that she could not help..
Consumer complaint received 2024-05-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Consumer complaint received 2024-05-03
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. (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 Number : XXXX  XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : 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 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NC)

Requested from AidVantage to be on the XXXX plan on XXXX XXXX XXXX after a phone call with the company, submitting paystubs and other details. 

Received information from AidVantage on XXXX XXXX XXXX giving me a " new '' payment plan that was the same as my old plan, with no details as to why. 

Tried multiple phone calls to the company on Monday, XXXX XXXX XXXX without getting through to a real person. 

-first tried the original person I spoke with, using her extension. Got voice mail. 
-then tried three times to get through the main AidVantage phone line to speak to any representative, continually was put on hold, then sent to " voice mailbox XXXX '', which was reported full, and then was cut off from the phone call.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2024-05-03
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, obligates us to remove any incorrect accounts from my credit report. Could you check the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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. 

Dept of EducationXXXX has all violated my rights.

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 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have an excellent credit for the least XXXX years of my life paying my cards in full before the due date. My cards are in auto pay for years without having any issues. I went on vacation in XXXX XXXX  confident that my cards were in auto pay. Upon my return in XXXX I noticed that my card of bank of America was 2 months past due. Per conversation with XXXX at Bank of America, she informed me that the bank did a reboot of their system disconnecting all the auto pays. Meanwhile, I did not get any notification that this was happening. Of course I immediately paid my due balance of {$450.00} in full. she apologizes for the inconvenience but meanwhile my credit is not restored as they promised. They should never report past due payment when they know that this happened because of them. Now my credit is low and that upset me because I never had such a low credit score. that affecting me in purchasing other things that I need. I need you to help restore my credit score. they should remove this late payment of my record. 

Thank you much for your attention. if you would like to discuss further, please feel free to call me at XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation (MT)

I have contacted One Main Financial multiple times to resolve the debt owed. They are running me around between them and their hired attorney because I have found multiple inaccuracies with the debt and want it deleted instead of paying them after they wrote the debt off ( which is recorded in my credit report ).
Consumer complaint received 2024-05-03
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. (ID)

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed it. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TN)

Unauthorized XXXX payments from personal XXXX XXXX XXXX  checking account on XX/XX/XXXX and XXXX XXXXXXXX  as follows : - XXXX {$500.00} paid to XXXX  XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX  I XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$1000.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$500.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX Later on XX/XX/XXXX  there was unauthorized transaction from my XXXX XXXX Savings Account to XXXX XXXX for {$210.00}
Consumer complaint received 2023-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (ID)

I borrowed {$700.00} from Fine Day Funds at the beginning of 2023. I have paid 4 payments totaling {$1100.00}, plus {$25.00} payment for XXXX with the hope of paying this month 's balance before the end of XXXX. When I borrowed the money from Fine Day, I thought it would help lower my debt by paying off two other bills, but this company has caused a higher debt to income ratio. 

Fine Day Funds is charging me {$2700.00} interest plus the original {$700.00} I borrowed, which will total {$3400.00}. This business charges extremely high interest rate at XXXX percent. Fine Day Funds customer service representative recently told me there is also a daily interest charge included in the amount. When I first applied for the loan, the customer service representative DID NOT mention the exorbitant interest rate and fees. 

There should be laws against predatory loan providers price gouging interest rate and fees. I recently found out that Fine Day Funds  is not XXXX  accredited. The XXXX has a long list of complaints file against Fine Day Funds with very lower review ratings.