davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-12-04
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: EQUIFAX, INC. (PA)

The Credit Bureaus have failed to fully verify the negative accounts they entered on my credit report. Additionally, their communication among each other has been inaccurate, leading to records that show incorrect information.
Consumer complaint received 2024-04-12
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)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (VA)

A Synchrony Bank Pay Pal Credit Account was opened on XX/XX/2020 and was immediately used for cash advances in the amount of {$3600.00}. In investigating how such account can be opened the only requirements are date of birth, your income after taxes, the last 4 digits of your social security number, and agree to Terms and Conditions. ( https : /XXXX  ) I learned about this account when my credit report was run in XX/XX/2020 showing delinquent payments. I have contacted Synchrony Bank and during my first call they could not tell me what purchases were made or any details for why I owed them money. They did not have my current address ( an address I have been in for 2.5 years ) so I had to give that to them in order for them to send me the notification of a Fraud Investigation, which I did receive within the 10 days they told me it would arrive. However, when it arrived it became apparent that they did not even have my correct name on file. Therefore, Synchrony Bank did not do any due diligence to protect my rights as a consumer since they allow someone to open lines of credit with a bare minimum of information. At this point in time, Synchrony Bank has done more to protect the people that have stolen my credit than they have done to protect me. They could not even give me the address that was used to open the line of credit.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

On XXXX i was called from a Wells Fargo identified number on my phone and was told that the male was from the Wells Fargo Fruad detection, and I had a Suspious wire on my account, I told them that XXXX didnt wire anyone anything, and they give me a name that is I did not recongize. They then said that it was attemped and they need to shut down my online banking to prevent it from continuing and for them ot investigate. They sent me a verification code trhough the Wells Fargo SMS number ( 5 Digits ) that Wells Fargo uses to send me information regularly. So with all the seemingly legitimate verifications i provided the caller with the required info. They said my online banking access was suspended. they where to call back the next day with investgation information. They did again from the same numbers as before. they told me that my access to onine banking was reatored and I needed to log back in and change passwords. when i logged in i found that it was not changed or blocked. I then became worried and called Wells Fargo Fruad Dept and found out that noone had called, after explaing to situation they told me to go a brach to be ID verified which I did as soon as possible. The Branch called fruad back and verified me and the told me that there was a second wire being prossed. I told them the that was not authorized and they sai they could stop that one as it had not left the bank yet. But the XXXX one that was sent the day before was gone and they would open a investigation into it. We cleaned Phones changed acounts as requested by the Banker. On XXXX recived the attached letter stating that there investigation was completed. I called the WF Bank and was told the the money was wired to a account at XXXX Bank and when they checked to account was empty. So I would not be getting any funds back
Consumer complaint received 2023-08-30
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. (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 : XXXX XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX : {$3000.00} DEPT OF ED/XXXX XXXX Balance : {$8300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2023-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (GA)

I sent the CFO of Maximus Education LLC a 1099-C on XX/XX/2023 for the discharge of {$19000.00} in student loan debt serviced by Aidvantage. The CFO hasn't updated the account to reflect the discharge. The amount of {$19.00}, XXXX is currently displayed on Aidvantage 's website and the account should be zeroed out. Maximus hasn't notified me upon receiving my debt discharge paperwork.
Consumer complaint received 2024-04-12
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 several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this ITEMS ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, DELETE, or TERMINATE the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-12
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 to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XXXX, I have reached out to Transunion and the collection company, XXXX regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Transunion on XXXX  stating that they are not required to reinvestigate this debt yet they never investigated it to begin with. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on 2 separate occasions and no further action has been taken. I've been getting the complete run around. On XX/XX/year>, the 30 day time period had passed from the date I mailed my correspondence to them. And, I still didn't have any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Transunion has done me a complete disservice in not properly investigating this debt on my behalf. In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. I request a written confirmation of the receipt of this letter within five business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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. (TX)

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. 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 have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES : Creditor Name : XXXX XXXX Type of Business : Bank Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXXXXXX Type of Business : Bank Date of Inquiry : XX/XX/2023
Consumer complaint received 2024-04-12
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 to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XXXX, I have reached out to Transunion and the collection company, XXXX regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Transunion on XXXX  stating that they are not required to reinvestigate this debt yet they never investigated it to begin with. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on XXXX separate occasions and no further action has been taken. I've been getting the complete run around. On XXXX, the 30 day time period had passed from the date I mailed my correspondence to them. And, I still didn't have any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Transunion has done me a complete disservice in not properly investigating this debt on my behalf. In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. I request a written confirmation of the receipt of this letter within XXXX business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (KY)

This account is still reporting on my credit profile, they have bad information on my report. ACCOUNT NUMBER : XXXX Past Due : XXXX XXXX Inaccurate is showing on XXXX separate reports it's a past due showing a collection, Last Reported : XX/XX/XXXX Inaccurate XX/XX/XXXX Inaccurate are also following on my reports from this lender and on my reports.
Consumer complaint received 2023-02-21
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$4300.00}
Consumer complaint received 2023-06-19
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. (FL)

Credit bureaus keep putting info on y credit and its past the 30 day period of debt on my credit. I sent proof That i lived in Florida. I submitted several report to credit bureau. I need this removed its hurting my degree. pleaseSubject : Request for Removal of Debt from Credit Report I am writing to bring to your attention a matter concerning an outstanding debt listed on my credit report, which I believe requires immediate resolution in accordance with consumer protection laws. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection legislation, it is my understanding that debt collectors are required to provide proof of a debt within a reasonable period upon request. If a debt collector fails to provide this proof within the designated timeframe, it may result in the obligation to remove the debt from my credit report. 

As per my records and the information available to me, the debt in question has been on my credit report for a period exceeding 30 days. Despite multiple attempts to obtain proper validation of this debt, no satisfactory evidence has been provided to support its accuracy and legitimacy. 

I hereby formally request that you promptly provide me with complete and comprehensive documentation validating the existence and validity of this debt. This documentation should include details such as the original creditor 's name, the account number, the amount owed, and any other pertinent information necessary to verify the legitimacy of the debt. 

Please be advised that failure to provide the requested proof within [ a reasonable period, e.g., 30 days ] will result in the expectation that you remove this debt from my credit report as per the provisions of applicable consumer protection laws. I also reserve the right to pursue any legal remedies available to me should you fail to comply with this request. 

I kindly request that all future communication regarding this matter be in writing to ensure accurate documentation and a clear record of our interactions. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution in compliance with the applicable laws and regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX deceptively never made me aware of the option to opt out of them reporting to my XXXX credit report. A charge-off is a certificate of indebtedness which means it's income and must be removed, since it's illegal to report transaction history. I am now opting out as a federally protected consumer per 15 usc 6802 and 16 CFR 313.4 and 313.7 in which I was never given a notice.ALL OTHER BUREAUS HAVE REMOVED THIS ACCOUNT
Consumer complaint received 2024-04-12
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. (MI)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX has violated my rights. 


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.

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

15 U.S.C 1681 Section 604 A Section 2 : Il 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. 16813-2 ( 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.