davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (CA)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXXXXXX, yet XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXXXXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3100.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WI)

Online chat with US Bank on XX/XX/XXXX claimed that I did not have any direct deposits to my checking account. 

The terms and conditions of the account that I opened stated that I would receive a {$300.00} bonus if I had direct deposits totaling greater that {$5000.00} to my new account within 90 days. 

I pointed out that I had employer direct deposits that totaled greater than {$5000.00} to my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Chat agent then stated that I was not targeted for the bonus, and that the bonus being offered was for existing customers. 

I XXXX 'd and ended the chat. Bonus terms stated none such thing.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (PR)

I received a copy of my consumer report and found the following account ( XXXX ) to be inaccurate and incomplete : I demanded XXXX and XXXX as well as the student loan servicer to Update the duplicate account 's payment history to paid as agreed because of inaccurately reporting late payment on XXXX and XXXX consumer reporting agencies. XXXX does not have any late payments reporting on it yet the other XXXX companies experiencing XXXX are reporting late payments which we disputed with them several times. We also called in and spoke to Representatives who denied us the right to be able to remedy this negative inaccurate reporting so now we're making the complaint to remedy this violation of the XXXX XXXX XXXX  and Privacy Act ( XXXX ) MOHELA XXXX OF XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report to paid as agreed so these damaging marks do not hinder me from moving commercially as I work hard to maintain my student loans over the years and now this invasive practice by Mohela is damaging XXXX name. 
Family Educational Rights and Privacy Act ( XXXX ) The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ) Use this XXXX to remove student loans
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a letter from XXXX on XX/XX/2023 that my student loans have been forgiven. I kept watching the XXXX credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all XXXX credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all XXXX reports as of today XX/XX/2023.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I took out an auto loan in XXXXXXXX XXXX XXXX, The loan is showing up on other reports as 100 % paid and for id verification, which verifies it is part of public record. The lending company has submitted my documents 3 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. XXXX, XXXX, transunion credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records. I will include documents showing the account has been paid in full since last XXXX XX/XX/2022 & still not reporting.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX I received a call from XXXX which is USAAs number. I now have been told that call was a scam. I was scammed out of {$2300.00} which was my balance combined between my checking and savings prior to the call. And some how another nearly {$8000.00} dollars. I have a balance of nearly negative {$8000.00} in my checking account now that all the fraud and scams have stopped. After nearly 2 weeks of going back and forth USAA is refusing to work with me at all.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (PA)

I am unaware of this debt and did not receive proper notification of this debt which violates XXXX XXXX XXXX ( B ) ( XXXX ) but yet this has been placed on my consumer file. Debt XXXX must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to XXXX CFR XXXX ( c ) ( XXXX ) ( i ) if you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I placed XXXX order back in XX/XX/. Phones were purchased and than returned to XXXX immediately in upcoming days. XXXX refunded the whole amount to me. Later after few weeks XXXX bill showed up for {$82.00}. I called and XXXX removed {$82.00} as order was returned and balance was XXXX. Since XXXX XXXXXXXX account XXXX on my credit report show as paid after payment late/collection account. This is absurd. This account should not even be on my report as this account was closed due to me returning the order and XXXX made me sure balance is XXXX. I have attached order detail which show order place confirmation and refund confirmation. I would like to request credit bureau to remove this account from my profile immediately. This does not belong on my credit profile by any means. Credit bureau should contact and they will says no balance is due and no balance was ever paid because this order was returned to them. So please remove this XXXX wireless account ending in XXXX effectively immediately. Look up for attached order /account details for more info. There is only XXXX XXXX account on credit report. So remove it. Thanks.
Consumer complaint received 2023-12-14
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. (IL)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-12-14
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. (CA)

inquiries that was reported to my credit report that i dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card that was open by somebody else. They couldnt make it any charges. card got closed.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (MD)

immediate deletion of the account and {$1000.00} per violation of the FCRA as I am writing to address a matter of great significance concerning the inaccurate information presented on consumer credit report this incorrect data has resulted significant hardships for my family leading to deny of credit, and challenges essential resources for our well being. Im deeply concerned and disappointed in regards to the inaccurate information made available to public through my consumer credit report. These inaccuracies has directly resulted in deny of credit which has had domino effect on our ability to obtain vital resources such as a car for employment, and a stable residence. Consequently this has caused my family and I to move from place to place causing substantial stress and instability in our lives. Denial of credit directly stems from the innacurate information from credit report as had profound impact on our financial stability. Without reliable transportation my employment oppurtunities have been severly limited impeding ability to provide for my family. More of the ability to secure a permanent residence has compounded difficulty in finding civil housing options has become increasingly challenging. Giving gravity of the situation in a midst hardship I am compelled to demand fair compensation and resolution for the damages suffering. I kindly request that you promptly rectify the inaccuracies on credit report and provide written confirmation of the corrections made. Considering the stress caused by the denial of credit im seeking compensation of the amount of $ XXXX to address the financial losses and emotional distress experienced by my family. The amount is reflected of the hardships endure the resulting expenses occurred and detrimental impact overall quality of life. I firmly believe in the principals of fairness and accountability, and I trust that you would treat this matter with seriousness it deserves. I urge you to initiate the necessary investigation and corrective actions without delay to rectify the innaccuracies on credit report. Failure to address matter within a reasonable timeframe may neccessiate legal recourse through arbitration or other available means as per the applicable law. I respectfully request a written response within 30 days from this date of letter acknowledged and received of my complaint. And outlying the actions being took for the innacurracies on credit report. Additionally please provide details regarding the compensation being offered to remedy the damages caused by innaccuracies thank you for this immediate attention. under 15usc1681, 16 CFR 1016.1
Consumer complaint received 2023-12-14
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)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

My account is in frozen status since XX/XX/2023 I spoked with to bank ( XXXX ) to unfreeze my account they ask for my green card ssn card and passport and I provided with all the information that they requested for serval occasions but still my account is frozen and they refused to close my card and give me the available money in my account
Consumer complaint received 2023-08-07
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. (PA)

This is my 8th 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX  XXXX Inquired on XXXX XXXX, 2023
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX i sent XXXX XXXX a notice to opt of out any and ALL authorizations i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On multiple recorded phone calls, latest being XXXX they verified my credit protection end XXXX but in my attachment it shows their last payment was in XXXX. In asking they pay all late fees and payments back dated to XXXX until now IMMEDIATELY. AND reported to beaurus immeditatey
Consumer complaint received 2023-12-14
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)

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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for eny purpose XXXX XXXX Acct XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX i sent this company a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Consumer complaint received 2023-12-14
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)

So a few months back, I was looking at my credit on a credit monitoring app. When I noticed account that I never open or gave anyone the authorization to open this account in my name. The account was XXXX XXXX. I then reached out to the company that was reporting on my credit. They never responded back to me, After trying XXXX XXXX numerous time and no response. I then reach out to the credit bureau that was reporting the error on my credit report, which was XXXX, TransUnion and XXXX. At first all three bureaus removed the XXXX XXXX account from my credit report, But then without any notice XXXX and TransUnion Decided to add back the XXXX XXXX account without giving me a 30 day notice.
Consumer complaint received 2024-02-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

The original debt was with XXXX XXXX. The debt was then sold to Fidelity Creditor Services. I have been trying to remove this fraudulent debt from my credit report for years now and they have not been helpful whatsoever. My identity was compromised in 2014 which resulted to a lot of fraud under my name. Because if the trauma that has happened with my name and my credit, I decided to make XXXX videos talking about credit. Because I have made these videos public, Fidelity Creditor Services will NOT remove the debt because they feel that I am pretending. They are so unprofessional and have been of no help! There are several complaints online about how unprofessional and cruel they are. There are hundreds of complaints on how Fidelity Creditor Services has made people feel terrible and they have scammed so many others. I am asking for a proof of the original contact along with a copy of the ID because there is NO WAY POSSIBLE that it is my ID that was used to open the account. If they actually pay attention to my dispute they will see that my real ID was never used.
Consumer complaint received 2023-12-14
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. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-14
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. (DC)

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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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