davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a credit card which has 0 % APR until XX/XX/2023. I have made all monthly payments, but there was an interest charge that was not correct because my credit card still has a promotion of 0 % APR. I want that bank of America take out that interest charge from my credit statement.
Consumer complaint received 2023-11-26
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 was in the process of a loan modification and required to make 3 trial payments, which I made as directed.

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit.

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.
Consumer complaint received 2023-04-24
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. (NC)

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 XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX  XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has 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 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. (PA)

XXXX XXXX XXXX opened a collection that was fraudulently account on my credit file and i would like for it to be removed from my file as soon as possible because its affecting my credit file he hindering me from pursuing my business.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX, XXXX and TransUnion To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely XXXX XXXX
Consumer complaint received 2024-04-13
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did NOT authorize any of the listed accounts to be furnished on my credit report.
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX USA These companies are Violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my written consent for these accounts to be reported on my credit. These are not my accounts! I demand they get removed immediately!
Consumer complaint received 2017-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AL)

I can not understand why I have to pay American Education Services {$17000.00} for  XXXX  {$3100.00} private student loans. I pay {$81.00} a month, and the balance keeps increasing. I am on  XXXX  and just received a notice from AES that the interest rate has changed, therefore the payment willl increase from {$81.00} per month to {$83.00} and that when the lo an ( s ) is  paid in full, I would have paid almost {$17000.00}. Is this a payday loan?
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE XXXX all credit bureaus for data purposes ( and legal ) for the following regarding the handling of my credit files. 

XXXX ) XXXX, XXXX and Transunion accepted information from unreliable furnishers : they all accepted information from furnishers that are not providing reliable, verifiable information about me Transunion - XXXX XXXX auto - should be deleted. 
XXXX XXXX XXXX not late in XXXX of XXXX. 
XXXX should be deleted. 
XXXX XXXX XXXX XXXXXXXX was not late CSI - delete ( do not have a loan or financial obligation ) XXXX XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXX XXXX XXXX XXXX  was not late CSI - delete ( do not have a loan or financial obligation ) And XX/XX/XXXX knocked my credit down XXXX points for a late payment that does not exist. 

XXXX XXXX XXXX XXXX not late in XXXX of XXXX. 
XXXX XXXX XXXX XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX ) TransUnion XXXX to include information from XXXX XXXX XXXX XXXX failed to respond to all or nearly all disputes that issued the same responses to all disputes.DUPLICATE CLOSED. 

XXXX ) XXXX, TransUnion and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : XXXX XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( capital XXXX files ). Preventing an accurate financial picture. 

XXXX ) TransUnion allowed XXXX XXXX auto loan furnishers to continued to share incomplete or inaccurate information for several years after learning the information was false, incomplete, or inaccurate. XXXX XXXX XXXX provided information even after they determined the information was listing incorrectly. This was verifiable with the original dealership that this trade should be deleted. 
XXXX ) XXXX, TransUnion and XXXX did not follow requirements for the disputed investigations and continued to furnish information listed above that I have repeatedly disputed by failing to conduct investigations into the accuracy of information. Instead all Bureaus have put blocks in place preventing me online report access to continue to dispute enabling delay and access from supporting agencies. The XXXX Credit report website has also been blocked for all bureaus. 
XXXX XXXX department continues to ignore the requested access and their department continues to send documents denying access electronically since XX/XX/XXXX despite providing documents, court orders, drivers license and birth certificates authentication as XXXX XXXX.
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)

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
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. (LA)

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNT LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY.

PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Consumer complaint received 2023-09-02
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: Kikoff Inc. (NY)

previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month
Consumer complaint received 2023-11-27
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 have been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
XXXX XXXX {$24000.00} XXXX XXXX Bank {$760.00} XXXX XXXX XXXX  {$9400.00} XXXX XXXX XXXX XXXX {$380.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX  {$0.00} XXXX XXXX {$9200.00} All the accounts that's listed are not my accounts.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a collection item on my credit report that is not mine. I have disputed this item several times with the collection agency as well as with Trans union but this issue does not seem to be getting resolved., which has been impacting my credit report significantly. The company XXXX XXXX XXXX has put this mark on my report but the item wasnt validated. I have contacted them via phone, email and letters and they will still not remove this from my report.
Consumer complaint received 2023-05-23
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have sent the information to experian to remove the l late fee off my credit report and called them and was told that it will be removed off my credit report which XXXX computers I have two late fees and was told it will be removed the late fees and its still on my credit report. I have sent a certified mail to them about my issue with the late fees. 15 usc 1666b that code is to let experian know that I didnt get the bill in a timely fashion, but I pay my bill on time and still got reported late.
Consumer complaint received 2023-09-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (PA)

I made 2 payments for Westlake financial services .so the report on my report is wrong they sold my car to auction with my 3 items of mine would like to dispute this out of my account. XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  this account is still open and not close. {$360.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  dispute this account paid then account got closed. {$94.00}
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TN)

On XX/XX/2023 I purchased three items on Wayfair.com and I used the Wayfair MasterCard to pay for the merchandise. I received {$120.00} reward dollars for the vanity which cost {$2400.00}. The vanity was delivered on XX/XX/XXXX. I have not received {$100.00} reward dollars for the purchase of two faucets for {$2100.00}. The two faucets were delivered on XX/XX/XXXX. 

Here is the exact verbiage from the Wayfair Credit Card and Wayfair Mastercard Rewards Program Terms : a. Wayfair Credit Card Reward Dollars for Net Eligible Purchases. You will earn Wayfair Credit Card Reward Dollars for Net Eligible Purchases so long as your Credit Card is in Good Standing. 
i. For the Wayfair Credit Card : 5 % on Net Eligible Purchases made with the Wayfair Credit Card at the Sites. 
ii. For the Wayfair Mastercard : 5 % on Net Eligible Purchases made with the Wayfair Mastercard at the Sites d. Posting of Wayfair Credit Card Reward Dollars Earned ; Forfeiture. Wayfair Credit Card Reward Dollars earned on purchases made at our Sites will be posted to your Account balance under My Account on the Sites within 48 hours of when the items purchased are shipped to you. 

I have contacted both Wayfair and Citibank, but both organizations tell me the other is responsible. I believe the responsible party is Citibank, but every time I call they give me the runaround.
Consumer complaint received 2023-05-23
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.