davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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. (FL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX 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 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 an 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 space 15 U.S.C.1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.
Consumer complaint received 2023-11-26
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. (CO)

I reported a dispute to XXXX concerning. The reporting of XXXX credit card that the past due amounts are due to medical and a disaster event. I have contacted XXXX numerous times, offering a payment plan, which they have declined. This should not be showing on my credit report ; this is my only outstanding balance ; all other bills are current. One credit card can not adversely impact my credit ; my XXXX score is in the XXXX. XXXX is fraudulent ; they offer a boost, which I have signed up for four times, but I have had no increase in my score. I contacted them to let them know that my bank is connected, but their system continues to give me an error message and no change in my credit score. They never responded. I believe my credit score to be incorrect. I have never seen one card drop a person 's credit score this low when everything else is paid on time. They adversely impact XXXX people with low scores to keep us from getting credit. 

Trans Union has an XXXX card as a late payment, but I have never paid them late. They also have XXXX listed on my credit report, which should be removed. My credit score should not be in the XXXX 's for one card when everything else is being paid on time.
Consumer complaint received 2023-11-26
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-05-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiples disputes regarding information Transunion has wrongfully reported on my consumer report. It has been more than 30 days and have yet to receive any response or update. Please find the documents attached as I have taken the necessary steps advised to fix this urgent issue.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I received a notice from Comenity Capital Bank on XXXXXXXX  responding to a notice I wrote to the company on XXXXXXXX  in regard to an account number ending XXXX being reported inaccurately on my consumer report, Your company responded back saying you investigated, and the account was accurate, I never asked for you to do an investigation on this account, I explained that the company was reporting inaccurate /incorrect information on my credit report. Since XX/XX/XXXX you have been reporting XXXX as a charge off, a charge off is considered a certificate of indebtedness and according to the IRS a charge off is considered income and income does not get reported to the consumer report and must be filed on your taxes even if it's under XXXX dollars, according to the IRS. Pursuant to 15 USC 15 1681s-2 it is Comenity Capital Bank responsibility to provide accurate information. To continue to report this inaccurate information on my consumer report is a FCRA violation. You have been put on notice that the information you are reporting is inaccurate. Your company is also in violation of 15 USC 6802, you were not supposed to share or sell my nonpublic personal information to a nonaffiliated third party for profit without my consent, XXXX, XXXX, and XXXX are all also third party nonaffiliates, you were not supposed to share my information without giving disclosure in writing or electronic form that such information may be disclose and giving me the opportunity, before the time that such information is initially disclosed, to direct me on how I can opt out of my information not be disclosed. Pursuant FCRA 15 USC 6803 you violated my privacy rights, you were to maintain and protect the confidentiality and security of my nonpublic information. even if I ceased to be a customer of your financial institution, I never gave you consent to share or sell my identifiable information you violated the Privacy Act of 1974. You are now put on notice that you are reporting inaccurate information, and you are in violation of my Federally Protected rights, as a natural person.
Consumer complaint received 2023-11-26
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)

I have been disputing these accounts for over a year now. Each one of these accounts do not belong to me. Someone took my information and opened up these accounts without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the accounts listed are not my accounts. I have been disputing these accounts for over a year and never got verification.
Consumer complaint received 2024-04-13
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 understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a complaint with New York State Consumer Protection Department for your biased and illogical methodology in scoring my credit rating. I have no debt, I pay my credit card bills in full every month on time. Your tracking system is incorrectly assessing my credit card purchases that do not reflect that they are mostly used in my businesses. 

I have a " Good '' credit card rating. In two years I've had FOUR inquiries and yet you give me a XXXX score. I have no mortgages, no lawsuits, no outstanding debt. I have no college loans, I have no uncollected bills. I have a high six-figure annual income. High worth stock portfolios and a manufacturing business started in XXXX I have an annual revenue stream from real estate investments of over {$1.00} XXXX. There is something wrong with your rating system and it needs to be fixed. 

No debt, no outstanding loans, high net worth, high annual income and you somehow classify me with a XXXX score. 

My complaint to New York State is that your system is dramatically faulty and inaccurate. I want this to be addressed and expedited to your executive management staff. 

If I have to turn this into a lawsuit I can assure you it will prove my point.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NV)

Payment are {$170.00} for the first year and {$420.00} beginning XXXX year. This can not be right. 
After several emails to Aidvantage without response. I can't even get Aidvantage to respond to questions about what pay plan my account is tied to. It is supposed be the XXXX plan.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I learned of this account upon checking my credit reports. I have attempted to dispute the debt. However, it continues to be noted as verified. Experian in particular seems to be using internal practices to prevent my disputes from being processed completely. This occurrance is a recent as today. My most recent dispute read as follows : Your firm has violated provisions of the FDCPA by implying the legal status of the debt is collectible ; by reporting the alleged debt to the credit bureaus. [ 15 USC 1692e ] Please remove this account immediately.

My position is one, I was completely unaware of this account. Two, I am unaware whether or not this account belongs to me, and furthermore, according to the information provided on my credit report the original creditor account of the alleged debt is out of the statute of limitations, and this appears to be an attempt to collect on zombie debt. Absent of adequate documentation to prove in court that this entity has a legal right to report this negative information on my credit report, they are in violation of the Fair Credit Reporting Act as well as the FDCPA. Non-compliance may render this entity into serious litigation with the FTC and other governmental agencies. Under the FCRA and the FCRA, each violation is subject to a {$1000.00} fine payable to me.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity Theft. I have accounts opened under my name fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please review and remove these fradulent accounts. 

Thank You!
Consumer complaint received 2023-11-13
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. (CA)

aidvantage 's response was nonsensical. aidvantage is to update my address to the same address I have used for the last XXXX years. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-11-26
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. (SC)

XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-26
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. (NY)

I sent letters over 30 days ago asking how do you verify bankruptcy and how did you get this personal information on my credit report. 
I also ask them to verify this bankruptcy on my credit report and send me a letter explaining the procedure they used to verify this Bankruptcy listed on my credit report. 
They have also blocked me from filing disputes online.
Consumer complaint received 2023-11-26
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. (GA)

August 29-30th XXXX  it was I reached out to XXXX XXXX  to purchase a new vehicle my husband and I drove out of our way to make this purchase. We walked away with a new vehicle then a few days later Im getting notifications back to back from my XXXX app that someone was trying to gain access to my credit profile only it was locked but they were able to obtain both transunion and XXXX profiles. I look and see that XXXX XXXX  XXXX, Ga had used my ssn for over 10 different banks to get access to a loan none of which I gave permission for or did XXXX  mention this. This is unfair and disrespectful I would like all inquiries removed. The dates for the inquiries are from XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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: Experian Information Solutions Inc. (NV)

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit reports provided by Experian, XXXX, and XXXX. It has come to my attention that a collection account associated with my personal credit history is being reported mistakenly. I kindly request the Consumer Financial Protection Bureau 's intervention in rectifying this issue by ensuring the immediate removal of the said collection account from all three credit reporting agencies. 

Account Details : Creditor : XXXX - XXXX Service Date Opened : XX/XX/2020 Balance : {$0.00} Account Number : XXXX To provide some context, the account in question is a business credit card that is directly associated with a common business of which I am one of the owners. This account, however, should not be reported on my personal credit history as it is solely related to our business operations. According to the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, it is crucial that credit reporting agencies accurately reflect an individual 's creditworthiness and financial history. 

Under the FCRA, consumers have the right to dispute inaccurate or erroneous information contained in their credit reports. Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must promptly investigate and modify or delete any information found to be inaccurate, incomplete, or unverifiable. In light of this provision, I kindly request your assistance in ensuring the correction of this misreported collection account, as it is unjustly affecting my personal credit history and potentially impeding my ability to secure future credit or loans. 

I have already taken the necessary steps to dispute this error directly with Experian, XXXX, and XXXX. However, despite my efforts, the collection account remains on my credit reports. This situation has prompted me to seek the intervention of the Consumer Financial Protection Bureau to help resolve this matter promptly and ensure that my personal credit history accurately represents my creditworthiness and financial standing. 

I trust in the expertise and dedication of the Consumer Financial Protection Bureau to uphold consumer rights and ensure fair and accurate credit reporting. Your intervention and assistance in this matter would be greatly appreciated, as it will enable me to rectify this unjust reporting error and preserve the integrity of my personal credit history. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the removal of the mistakenly reported collection account from Experian, XXXX, and XXXX credit reports. Please do not hesitate to contact me if you require any additional information or documentation to expedite the investigation process. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

My personal checking account was closed in XXXX XXXX  at Citibank. No reason given. Have tried with branch and customer service to receive funds. No returned funds as of XXXX XXXX XXXX
Consumer complaint received 2024-04-13
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$22000.00}
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-26
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)

I am a Victim of the Equifax Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you XXXX XXXX
Consumer complaint received 2023-11-26
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. (KY)

This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded in your file at the time of this request. Please don't respond to my request by saying that these accounts have been verified. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted if you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
Accounts listed below : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has not complied with a debt validation ( for XXXX XXXX XXXX XXXX  XXXX XXXX ) request and continues to report this account on my credit report with a {$1800.00} balance. Not only has the debt not been validated, but the statute of limitations has passed this account which is more than 7 years old. I would like to the debt removed from my credit report and for my validation request to be completed.